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Our loan offerings

Flexible financing for cosmetic to full-scale renovations, from first-time investors to experienced builders, up to 10 units.

New Construction

Ground-up funding built for speed and certainty, from infill projects to multi-unit developments.

Stabilization (Bridge)

Short-term bridge financing for completed properties. Gain time to lease, sell, or refinance without disruption.

Long-term financing for landlords, based on actual or market rents, with fast closings.

Your Lending Partner

Real people. Real partnerships. An online lender combining speed, certainty, and commitment with a team-first approach.

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Learn more about Upright and our mission to connect investors with opportunities.

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Learn about our company culture, benefits, and available positions.

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Real Estate Investing Blog

REI insights, performance reports, customer stories, messages from the CEO, and more.

Market Insights

Free live pricing, supply and exit signals for any ZIP or metro

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Understand key real estate and lending terms used across our platform and resources.

See where Upright Lending lends across the country, with active markets and local lending details by state.

Your Lending Partner

Real people. Real partnerships. An online lender combining speed, certainty, and commitment with a team-first approach.

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Sponsor
Preapproval Checklist

Get preapproved before your next deal. Close in days, not weeks, every time you go under contract.

Why this matters:

Sponsor preapproval is done once, reused deal after deal. If you're actively searching or planning near-term deals, start this today. It's the single highest-leverage thing you can do before finding your next property.

Personal identification

Government-issued photo ID (driver's license or passport)

Required for all guarantors / decision-makers on the entity.

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Social Security Number for credit pull authorization

Upright pulls a soft credit initially. Hard pull at full application if needed.

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Entity documentation

Articles of Organization / Incorporation

Filed and active. Must match the entity you'll use to borrow.

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Operating Agreement (LLC) or Bylaws (Corp)

Identifies decision-makers and ownership percentages.

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EIN / Tax ID confirmation

IRS EIN letter or equivalent. Must match entity name exactly

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Entity in good standing; confirmed via Secretary of State

Expired or lapsed entities are the most common entity-level delay. Reinstatement can take weeks.

COMMON KILLER

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Experience & track record

Prior project list: addresses, purchase price, rehab cost, and outcome

All like-kind projects (similar scope or greater) exited in last 3 years; determines experienced pricing tier. First-timers welcome.

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Primary markets you operate in

List primary and secondary markets to help Upright contextualize future deals.

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Strategy / buy box: RTL/rehab, new construction, DSCR hold, or all

Helps us pre-structure your lending profile for the right product before a deal is live.

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Financial readiness

Liquidity / reserves documented

Bank or investment statements (2 most recent months). Minimum 10% equity per deal required.

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Decision-maker confirmed: single point of contact for the entity

Helps Upright escalate to a Director faster when a live deal comes in

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Once preapproved: When you have a live deal, just send us the address, scope, close date, and exit plan. We already know you. That's how you close in 7 days.

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Partner with a lender who understands your investment strategy.

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From the Blog

New Year, New Terms: Why Upright Lending is the 2026 Capital Partner for Serious Investors Fast Closings, a 4-Day Close Case Study Speed Toward Closing Starting with Your Docs

Draws in Minutes, Closings in Days: Our Real Numbers

Meet Market Insights: Build to Your Market, Not to Your Taste

Switching Lenders Without Starting Over

Resources

DSCR Takeout Readiness Checklist Timeline Killers Checklist Term Sheet Comparison Checklist

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