Bridge and Stabilization Loans That Close in 7 Days
Why Investors Choose Upright Lending
Speed that actually wins the deal
7-day closings on complete files. When you are competing on a tight timeline, certainty of execution is worth more to the seller than another few thousand dollars on the offer.
One dedicated team, not a call center
The same named people from application through payoff and into the refinance, reachable by call, text, or email. They know your deals and your strategy.
Property-first underwriting
We evaluate valuation, market rents, condition, and your exit plan. No tax returns, no employment verification, no waiting on a personal income file to come together.
Structures for acquisition or refinance
Purchase bridge, rate-and-term refinance, and cash-out refinance where the file supports it. If light renovation or stabilization is part of the plan, we can hold funds back and release them in draws against completed work.
A built-in path to the takeout
Most bridge loans here exit into a DSCR loan, and we underwrite that takeout on the same platform. You are not stabilizing an asset and then starting over with a new lender.
Rates, terms, and requirements
Fix-and-Flip, New Construction & Bridge
Loan amounts
- $125,000 to $3,500,000
- Higher balances considered case by case
Loan terms
- 6 to 24 months, interest only
- No prepayment penalty
Leverage
- Up to 75% of value on purchase and rate-and-term
- Up to 70% of value on cash-out
Experience tiers
- 8+, 4 to 7, and 0 to 3 completed projects in the last 3 years
- Stabilization loans are available to borrowers with limited experience
Uses
- Acquisition ahead of a sale or refinance
- Repositioning and stabilization
- Seasoning before long-term financing
- Rate-and-term and cash-out refinance
Property types
- Single family residences
- Townhomes
- Condos
- Small multifamily, up to 20 units
Draws are available when a light renovation or stabilization budget is part of the loan. Larger budgets move the file into our fix-and-flip program, which lends against after-repair value. Credit, liquidity, and reserve requirements are covered in the FAQ below, and exceptions are considered case by case.
Rate Disclosure: Rates shown are the lowest available as of August 2026, and are subject to change. Your rate depends on credit score, experience tier, leverage, property type, market, loan size and past business with Upright Lending. All loans are subject to credit approval, valuation, and program guidelines.
How it works
The Path to Funding
A bridge loan is a timing tool. Terms come off a fast feasibility read so you can move on the deal, and the full underwrite runs behind it. Timing is never the thing that costs you the deal.
01
Share your deal
Complete an application in under 5 minutes. Once it is in, your Borrower Portal lists exactly which documents your project type needs, so you are never guessing at a checklist. Your team reviews everything with you, step by step.
02
Terms, delivered digitally
A fast feasibility read on your application data, covering valuation, market rents, condition, and your exit plan, produces a term sheet with leverage, pricing, timelines, and closing expectations. No ambiguity, and quick enough to put behind an offer.
03
Empowered Diligence
Once terms are set, your dedicated branch, who understand your business & market, review the project line-by-line. Technology handles the heavy administrative lifting so our team can focus on supporting your deal, not creating roadblocks.
04
Closing with fast coordination
We routinely close bridge loans in 7 days or less and coordinate directly with your title and escrow team.
05
Manage the loan in one place
Payment tracking, extension requests, documents, messaging, and draw requests all live in the Borrower Portal.
06
Exit to a DSCR loan or a sale
Once the property is leased, stabilized, or improved, we underwrite the DSCR takeout or coordinate a clean payoff at sale.
FAQs
Questions we get every week
Who qualifies for a bridge loan?
Investors who need to close before a sale or refinance clears, operators repositioning an asset, and BRRRR investors seasoning a property ahead of a DSCR takeout. Borrowers with limited experience are eligible for stabilization loans.
What credit score do I need?
We generally look for a 680 or better, scored within the last 90 days. Bridge is a property-first product, so meaningful equity or a clear near-term exit can support a file that is light on credit. Bring us the scenario.
How long is the term?
6 to 24 months, interest only, with no prepayment penalty. Most borrowers exit in 6 to 12 months into a sale or a DSCR refinance, and extension requests are submitted in the Borrower Portal.
What leverage can I get?
Up to 75% of value on a purchase or rate-and-term refinance, and up to 70% on a cash-out refinance. Leverage is set by experience tier, credit score, property condition, market, and your exit plan.
Do you require income documentation?
No. We underwrite the property, the market, and your plan for the asset. No tax returns and no employment verification. We do verify liquidity, and your team confirms the exact requirement with your term sheet.
How fast can you close?
7 days or less on a complete file. Bridge is our fastest product because there is no construction budget to review.
Can I take cash out?
Yes, where the file supports it, up to 70% of value. Cash-out pricing carries a modest adjustment over a purchase or rate-and-term refinance.
What if the property needs light work?
We can hold back a light renovation or stabilization budget and release it in draws against completed work. If the budget gets large enough, the deal belongs in our fix-and-flip program instead, which carries higher leverage against after-repair value.
What happens at the end of the term?
Most borrowers refinance into a DSCR loan or sell. We underwrite the DSCR takeout on the same platform, and extension requests are submitted directly in the Borrower Portal.
Don't have a deal yet?
Book a call and we will walk you through what we lend on, what it costs, and what we would want to see. Bring a deal you are considering and we will tell you straight whether we would do it.