Bridge and Stabilization Loans for Real Estate Investors Who Need Speed and Certainty
Successful investors move quickly and act with confidence. Upright Lending delivers Bridge and Stabilization Loans built for real estate investors who must close fast, solve immediate capital needs, reposition assets, or prepare for long term hold.
Our model combines competitive rates & leverage always on technology, fast & experienced underwriting, and a dedicated team that understands your investment strategy and your deal requirements. Upright Lending provides the clarity, speed, and alignment you need to take control of your next acquisition or refinance.
Clarity. Speed. Scalability.
Bridge & Stabilization Loan Customers Include:
Investors acquiring properties that need light renovation before rental
Operators placing competitive offers on tight timelines
BRRRR investors preparing for DSCR takeout
Portfolio owners refinancing or repositioning assets
Investors needing seasoning or stabilization before long term financing
High volume operators who require fast, consistent execution
Real estate entrepreneurs navigating dynamic opportunities
If speed and certainty matter to your strategy, Upright Lending is designed for you.
Program Highlights
1. Close in as Little as Seven Days
Our focus on borrower self-service along with aligned incentives and empowered teams allow Upright Lending to close quickly and without unnecessary delays.
2. Flexible Structures for Acquisition or Refinance
We support purchase bridge loans, rate and term refinances, and cash out refinances where appropriate.
3. Experience Based Lending
Your real estate history influences leverage, pricing, and requirements. Upright Lending rewards operators with strong track records but will offer stabilization loans to those with little to no experience as well.
4. Property Driven Underwriting
We evaluate the fundamentals of the asset including valuation, market rents, exit strategy, and light renovation needs. Our model is focused on real property performance, not personal income.
5. Digital Portal for Full Transparency
Your borrower portal provides visibility into underwriting, closing, servicing, communication, budget tracking, and future refinance opportunities.
6. Dedicated Team Support
You work with a dedicated Upright Lending team who understands your investing strategy and remains directly reachable by call, text, or email. No call centers. No generic support queues.
terms & conditions
Bridge and Stabilization Loan Terms
Typical range from $100,000 to $3.5M. Larger balances considered with exception review
All loans are structured for a minimum of 6 months, up to 24 months, with interest-only payments.
We evaluate borrowers using 0–3, 4–7, and 8+ project experience categories, which impact leverage, pricing, and structure.
- Single family residences
- Townhomes
- Condos
- Small multifamily properties up to twenty units
Based on experience, property condition, value, local market conditions, and exit strategy
How Bridge and Stabilization Loans Work
Upright Lending provides a streamlined process that gives real estate investors speed, transparency, and predictability when it matters most.
Share the Opportunity
Submit your property details, timeline, photos, and plan through your borrower portal. Your dedicated Upright Lending team reviews everything with you.
Fast, Hybrid Underwriting
We evaluate valuation, market rents, condition, experience tier, and exit strategy with a blend of technology and hands on credit expertise.
Receive Clear Digital Terms
Your term sheet outlines leverage, pricing, timelines, and closing expectations with total clarity.
Closing with Fast Coordination
Upright Lending moves quickly to keep your acquisition or refinance on track. We routinely close in seven days or less.
Structured Draw Management
After closing, the borrower portal becomes your single command center for:
- Payment tracking
- Extension requests
- Messaging with your dedicated team
- Monitoring loan progress
- Reviewing documents
Draws are available when light renovation or stabilization budgets are included.
Exit to DSCR or Sale
When your property is leased, stabilized, or improved, Upright Lending supports your exit to DSCR financing or a clean sale. Our team stays with you through the transition.
Why Real Estate Investors Choose Upright Lending for Bridge and Stabilization Loans
Speed that Wins Deals
Seven day closings give investors the ability to compete in tight markets and capture opportunities others miss.
Aligned Incentives that Support Strong Outcomes
We structure our organization so that healthy project performance benefits everyone. Your success is our success.
A Dedicated Team, Not a Call Center
Your Upright Lending team knows your deals, goals, and long term strategy. You always speak to someone who understands your business.
Always On Technology
From application to closing to servicing, your portal gives you complete transparency at every step.
Property First Underwriting
Our approach is focused on asset quality, local market fundamentals, and your plan for the property, not on burdensome personal documentation.
Support Across the Full Investment Lifecycle
- Acquire
- Stabilize
- DSCR refinance
- Hold, grow, and scale with certainty