Hard Money Lender Near You
Upright is a direct lender for real estate investors, and more than that, a dedicated branch team that gets to know you and your business. We fund fix-and-flip, new construction, bridge, and DSCR rental loans in 38+ states, and our team wins when you win.
A Lender That Works Like Part of Your Business
A dedicated branch, not a call center
You get a real team that knows your name, your deals, and your goals, from application through payoff. No black boxes, no dead ends.
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We win when you win
Our incentives are aligned with yours. Our job is to get you to the closing table and keep your draws moving, because your next deal is our next deal.
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Speed that protects your deal
Close in as few as 7 days and get construction draws funded in about 2. In a competitive market, speed is the deal.
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One team for every stage
From your first flip to a stabilized rental portfolio, the same team funds every step and gets faster the more we work together.
Find Your Branch and Confirm Coverage
Click your state to see hard money and DSCR availability, the metros we serve, and any local details. Use the toggle to switch between products.
What We Offer
We Are Not a Typical Hard Money Lender
Most hard money is one-size-fits-all and priced for the lender. Upright is built around your deal and structured by a team that wants you to win. Here is what that looks like in practice.
Hard Money (RTL)
Fix-and-Flip, New Construction & Bridge
Loans from $125K to $3.5M for 1 to 20 unit residential property
Up to 90% of purchase and up to 92.5% of total cost
Up to 75% of after-repair value (ARV)
Up to 100% of your rehab or construction budget, funded through fast draws
Ground-up construction up to 90% loan-to-cost
6 to 24 month, interest-only terms
First-time investors welcome, with better pricing as you scale
DSCR Rental
Long-Term Financing for Landlords
Loans from $100K to $3M for stabilized rentals
Up to 80% LTV on purchase and rate/term refinance
30-year fixed, 5/6 and 7/6 ARM, with interest-only options
Qualify on the property's cash flow, DSCR as low as 0.75x
SFR, condo, 2 to 4 unit, and 5 to 10 unit multifamily
Cash-out available to recycle your capital into the next deal
Seamless takeout from your Upright rehab or bridge loan
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Figures shown are program maximums for general guidance and are not a commitment to lend. Your actual terms depend on your experience, credit, the property, and the market, and your branch team structures every deal to your file.
How It Works
From Application to Payoff, With One Team
Tell us about your deal and your goals. You are matched with a team that knows your market, no call center.
We underwrite the property and your plan, not your tax returns, and structure terms to fit the deal.
Close in as few as 7 days. Construction funds release through draws, funded in about 2 days.
Sell or refinance into a DSCR rental loan, then bring us your next deal. We get faster every time.
Hard Money 101
What Is a Hard Money Loan?
A hard money loan, also called a residential transition loan (RTL) or bridge loan, is a short-term, business-purpose loan secured by real estate. Instead of underwriting your personal tax returns and debt-to-income like a conventional mortgage, a hard money lender underwrites the property and your plan for it. That is what makes it fast: decisions hinge on the deal, not on months of income documentation.
Terms typically run 6 to 24 months and fund the purchase and rehab, ground-up construction, or short-term stabilization of 1 to 20 unit residential investment property. When the project is complete, investors sell or refinance, often into a long-term DSCR rental loan.
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Direct Lender vs. Broker vs. Bank
Upright is a direct lender. We control our own capital and credit decisions, so you get fast answers and funding you can count on, not a broker shopping your file or a bank burying it in paperwork. Compared to a bank, hard money trades a slightly higher rate for speed, higher leverage, and far less documentation, exactly what an active investor needs to win competitive deals and keep projects moving.
FAQs
Frequently Asked Questions
What is a hard money loan?
Hard money is a type of loan commonly used in real estate investing. They are also known as RTL loans, bridge loans, or STABBL loans (short-term, asset-backed bridge loans). Hard money loans are typically short term, with a max term length of 18 to 24 months, and are backed by real estate.
What states does Upright lend in?
Upright funds hard money loans in 38 states and DSCR rental loans in 39 states, and is actively expanding. Availability varies by product and state, so use the interactive map above to confirm your state and see the metros we serve.
How is Upright different from a typical hard money lender?
Upright is a direct lender, so we control our own capital and credit decisions, and every borrower works with a dedicated branch team, not a call center. The same team funds your first flip through your stabilized rental portfolio, drives your closing, and keeps your draws moving. Our team grows when you grow, so our incentives are aligned with yours.
How much can I borrow?
Hard money loans run from $125,000 to $3,500,000, with up to 90% of purchase, up to 92.5% of cost, up to 75% of after-repair value, and up to 100% of your rehab or construction budget funded through draws. DSCR rental loans run from $100,000 to $3,000,000 with up to 80% LTV. Final terms depend on your experience, credit, property, and market.
How fast can Upright close and fund draws?
Most loans close in as few as 7 to 10 days, and construction draws are typically funded within about 2 days of request. Your branch team manages the process so nothing stalls your timeline.
Do I need experience or great credit to qualify?
No experience is required to start, and we work with first-time investors through high-volume developers, with better pricing and leverage as your track record grows. Qualification is driven by the deal and its business purpose.
Can I refinance into a long-term rental loan?
Yes. Many investors use an Upright rehab or bridge loan to complete a project, then refinance into a long-term DSCR rental loan once it is stabilized. Because the same team offers both, the transition is smooth and predictable.
Let's fund your next deal, together.
Find your state on the map, or talk to a branch team that will get to know you, your market, and your business, and treat your next closing like their own.