It's Sunday afternoon. The listing went live Friday, the agent has three offers, and best and final is due at five.
Your numbers work. Your contractor walked the house yesterday. Now the agent asks the one question that decides it: can you prove you'll close?
If the answer is a letter you generate on your phone in the next two minutes, you're in the conversation. If the answer is "I'll call my lender Monday," the house goes to whoever had proof in hand.
With Upright Pre-Approval, the letter is yours to make. Any property, any price, any hour, no call to your lender required.
Why Letters on Demand Change How You Make Offers
Pre-approval is a self-serve flow inside the Upright Borrower Portal. You verify once, up front. We review it and put your credit limit in writing. From that point on, the offer letter is yours to make, on your schedule.
Three things change when you work this way.
Your letter, your schedule
Once you're pre-approved, you generate a purchase pre-approval letter for any property yourself, right from your dashboard. No email to send, no waiting on our team, no business hours. The deal moves when you move.
A real commitment behind every letter
Every letter you make is backed by a Credit Commitment Letter from Upright. It tells a seller or an agent what we've committed to you, in writing, from the lender who will fund the deal. That carries more weight than a rough number on a call.
A faster close once you're under contract
Your credit, background, and financials are already verified when the contract comes in. That leaves far less for underwriting to work through, which cuts the time and effort it takes to close.
How It Works: Five Steps, Three of Them Yours
The whole flow lives in the Borrower Portal. Creating an account takes no credit pull at all, and you can start on a Tuesday night and finish when your documents are ready. The full overview lives on our pre-approval page.
Pre-Approval Blog Tables
Step
Who
What happens
1. Pick your entity
You
Choose an organization or create one
2. Tell us what you hunt
You
Project types, volume, target market
3. Verify once
You
Documents, ID, soft pull, statements
4. We review
Upright
Credit, background, financials
5. Get it in writing
Upright
Your Credit Commitment Letter
Step 1: Pick your entity
Choose an organization you already have on file, or create a new one. Not formed yet? Check one box, use a placeholder name, and keep going. Once the paperwork clears, you come back and add the entity details along with your EIN letter, formation documents, and operating documents. The portal tells you exactly which documents apply, whether you hold title in an LLC, a corporation, a partnership, or a trust.
Step 2: Tell us what you hunt
A short set of questions covers what you've done and where you're headed: projects completed and exited in the past three years, how many were new construction, rentals you own today, the states you invest in, project types, annual deal volume, average deal size, and your target market.
These answers matter. Your track record places you in an Experience Tier, and the tier is what sizes your limits to the work you actually do.
Step 3: Verify once
This is the heavier part, and it's the part that turns a pre-approval into the highest limits you qualify for. Do it once, up front, instead of scrambling for documents while a seller waits.
The one piece that takes a little gathering is proof of funds. Here's the full list:
What you'll provide
✓
Driver's license for each applicant
✓
Soft credit pull authorization. Soft only; it does not affect your score
✓
Background check authorization
✓
Bank statements. Your two most recent months, all pages, from an account tied to the entity or its owners. If expecting liquidity events, let us know and we'll verify once under contract.
✓
Entity documents once the entity is formed
Experience and track record: we pull it for you.
Experience is the item you skip. Upright pulls your full project history from our own records, so there's nothing to track down. If you want to add context we might not have, you can attach it.
Steps 4 and 5: We review, you get it in writing
Once you submit, there's nothing left for you to do. Our team reviews the credit, background, and financial information and comes back with a decision, typically within 24 hours. If we need anything else, we reach out by email or phone and you upload it in the same place.
Bringing in a partner? Add an additional sponsor before you submit, and we contact them directly for their authorization.
Working toward your first deal? You don't need a formed entity or a property under contract to start. Pre-approval tells you what you can take on before you spend a weekend at open houses.
Running five or more projects a year? The Credit Commitment Letter shows your capacity across active loans, so an agent sees you can take on this house on top of everything you already have going.
The Payoff: Letters You Make Yourself
The letter you'll use most names the property you're chasing this week, and you make it yourself. The second sits behind it and tells a seller what Upright has committed to you.
Purchase pre-approval letters, on demand
Enter a property address and a purchase price, and your Purchase Pre-Approval Letter generates in seconds. Change the price after a counteroffer and the letter regenerates. Make one for every house you write on this month; each one stays on file in your dashboard.
Offer due at five o'clock on a Sunday? You don't need us to be awake.
The Credit Commitment Letter behind them
Issued once you're pre-approved. It sets a total active loan amount and the number of projects you can run at once, so an agent can see how much you can take on right now, not just on one house. It's valid for 90 days. After that, updated documents may be needed to renew it.
A Credit Commitment is a commitment of credit, not a loan approval. Each property still gets its own underwriting when you apply, and with your file already verified, that part moves quickly.
Pre-Approval Is One Part of the Toolkit
Pre-approval works best alongside the rest of the portal. Run the property through Deal Lab to read the deal before you write the offer, then attach your letter and send it.
When the contract comes back signed, your branch picks up a file that's already verified. The people who reviewed your pre-approval are the same people who take you to the closing table, and every deal after that builds on the same file. You can see the full journey, from first look to final draw, on our How It Works page.
The Bottom Line
The investor with a letter in hand gets the house. Upright Pre-Approval lets you make that letter yourself, for any property, in seconds, at any hour. Verify once with a soft pull, get a Credit Commitment Letter good for 90 days, and write offers on your schedule. Your branch takes it from there.
Call (216) 206-6079 or start your application at uprightlending.com.
