We’re the premier hard money lender.

We fund your project in as few as 7-10 days.

Up to 85% LTC and 70% ARV. More leverage allows you to do more deals and grow your business faster. Our broad sources of capital and discretionary underwriting allows us to get you the leverage you need to grow your business.

Our rates start at 9.99%, and we never lose a good deal to rate. As a direct lender with discretionary capital, you're dealing directly with the decision makers. Our capital markets team works tirelessly to ensure our clients receive the most competitive rates.

We do have the capability to fund 100% of the construction costs. Similar to other funding mechanisms, we'll likely hold a percentage of these construction funds in escrow and release them as project milestones are met, subject to inspection.

Simple — enter a few details and we’ll connect you with a Sales Development Representative.

We’ll let you know within 24 hours. Answer a few questions here, then be on the lookout for calls, texts, and emails from us.

Log in to your dashboard to check the status of your application, or reach out to the SDR or Account Executive who contacted you.

We start by looking at your qualifications. We partner with professional developers with a track record of success.

You should have 4+ successful projects under your belt and a network of contractors, legal professionals, and real estate agents. Once you are prequalified, we look at each project on its own merit, but this is generally what we are looking for:

1. How much of your own equity is in the project? We require at least 10% of your own money into each project.
2. Loan-to-Value (LTV) should be less than 70% of the After Repair Value (ARV) of the property.
3. ARV should be supported by a thorough analysis of sales data from comparable properties (comps). This should be further supported by an appraisal and/or Broker Price Opinion (BPO). We will likely order our own BPO and appraisal to verify your analysis.
4. A detailed statement of work with line item costs of all the repairs and improvements you plan to make. This should be supplemented with a home inspection report. We may also perform our own inspection.
5. An exit strategy. Do you plan to sell this to an owner-occupier or an investor who will rent it out? Maybe you plan on refinancing the property with a traditional mortgage and holding it as a rental. Let us know, as this can impact the market risk of the project.
6. Photos! Send us photos of the property showing its current state and key areas of the home you plan on improving.

More is better, and all of this information can be easily uploaded through your dashboard.

Maintaining and growing a network of private lenders is time consuming and inefficient. Furthermore, your network has limited capacity and may not always be able to fund your next great project. Working with Upright provides you with a number of advantages:

1. You gain access to a growing network of Accredited Investors who are interested in lending capital to projects like yours. This allows you to focus on finding great projects and getting them market ready. Let us take care of bringing the investors to you.
2. The more successful you are the more investor interest you'll get. A history of each one of your projects is maintained on the platform. This allows investors who are new to your business to learn about your track record of success. This helps them get comfortable with you and saves you time from maintaining your resume.
3. Investors can get started investing in your projects with as little as $5,000. This means they can get to know you with a lower investment entry point. After they get to know you better, they can commit larger amounts to your future projects. We handle all of the paperwork, tax filings, and investment contracts so you can focus on completing your projects successfully.

We’re the best of both. While we have formalized underwriting processes and procedures akin to a hard money lender, the capital we deploy comes from the 'crowd,' which is more in-line with a group of private lenders. As you develop online relationships with our network of private lenders, it is possible that your projects start to see similar economics provided by friendly private lenders.