Smarter Real Estate Lending, Built for Builders
Real estate investors move fast. Your lender should too. Upright Lending delivers a modern lending experience that blends always-on technology with dedicated human expertise, fast execution, and a culture built on aligned incentives and empowered employees.
Analyze deals, apply for financing, upload documents, sign term sheets, request draws, manage payments, and communicate with your team, all through a seamless digital platform backed by real people who understand your business
- ❌ No call centers.
- ❌ No endless ticket queues.
- ✔️ Just capital, clarity, and a partner invested in your long-term success.
Clarity. Speed. Scalability.
What We Offer
Upright Lending provides a full suite of real estate investment loans designed to support every stage of your project, from acquisition to renovation, construction, stabilization, and long-term hold.
Each product is powered by Upright Lending’s technology, experienced teams, and a model intentionally built for long-term borrower success.
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How Upright Lending Works
Our process blends always-on technology, aligned incentives, and dedicated team support to deliver fast, transparent, and consistent execution — from application to payoff.
1. Share Your Deal
Submit your loan request through Upright Lending’s streamlined portal.
Upload documents, add project details, and get connected with your dedicated Upright Lending team instantly.
2. Fast, Hybrid Underwriting:
We combine real-time data, valuation tools, construction budget analysis, DSCR modeling, and decades of lending experience to evaluate your deal quickly and accurately. Your team is available by call, text, or email to help you position your project for approval, not push you into a queue.
3. Clear Terms, Delivered Quickly:
You’ll receive a transparent term sheet outlining structure, pricing, and next steps. Review and sign your terms digitally. No surprises. No backtracking. No bait-and-switch.
4. Close With Confidence:
Our coordinated process keeps everything fast, organized, and predictable. With aligned incentives and empowered teams, Upright Lending can close loans in as little as 7 days.
5. Close in as Little as 7 Days
Aligned incentives and empowered employees allow Upright Lending to move quickly and predictably.
- Submit draw requests
- Monitor budgets
- Message your team
- Request extensions or payoffs
- Manage payments
- Convert to a long-term rental loan
Draws are typically funded within 2 business days of inspection approval.
6. Grow With a Long-Term Capital Partner
Whether you’re renovating, building, stabilizing, or refinancing, your Upright Lending team stays with you. We succeed when your projects perform, and our model is built to reflect that alignment.
WHAT stands out
Why Upright Lending Is Different
We intentionally structure our compensation and teams so that when your loans perform well, Upright Lending performs well. Everyone — from Production to Operations, Product & Engineering to Asset Management — rows in the same direction: toward strong outcomes and long-term value creation.
Every customer is supported by a dedicated team that understands their deals, experience, and goals. You’re never routed through a call center or forced to repeat information to multiple strangers. Your team is one call, text, or email away — fully accountable, deeply informed, and empowered to move quickly.
This continuity leads to smoother underwriting, faster draws, proactive risk management, and a lending experience built for serious real estate operators.
From deal analysis to application to servicing, our platform puts everything you need at your fingertips, available 24/7. But unlike most lenders, we pair technology with real human ownership, not automated indifference.
With $2B+ in committed capital and more than $8B in total funded loans between Upright Lending and our partners, we combine institutional reliability with modern, technology-driven execution.
Our executive team brings decades of lending, real estate, and capital markets experience across multiple cycles. In a fragmented, young industry, Upright Lending stands apart for its expertise, standards, and discipline.
Upright Lending supports investors through the complete lifecycle: acquisition → renovation → construction → stabilization → long-term rental financing. No hand-offs. No disjointed teams. Just consistency from start to finish.
Who We Work With
We serve the operators who are actively increasing and improving America’s housing stock, from first-time renovators to seasoned multi-market developers.
Our borrowers include:
Fix-and-flip investors
Value-add renovators
Repeat borrowers managing multiple projects
Build-to-rent and infill construction operators
Rental portfolio owners
Small and mid-size developers
1–20 unit investors
High-volume operators seeking speed and consistency
Newer investors supported by strong teams or partners
We work with borrowers who value transparency, quality, and strong performance, and who want a lender fully aligned with their success.
Start Your Next Project With Upright Lending
Create your account in minutes, explore your lending options, and experience a lending partner built for speed, clarity, and long-term partnership.