At Upright, we’ve spent the last 10 years in the trenches of real estate investing—partnering with thousands of entrepreneurs, financing billions in rehab and construction projects, and navigating every twist and turn of the housing market. This experience has given us an insider’s perspective on what real estate investors actually need to scale, operate efficiently, and succeed.
Over the past year, we’ve gone back to the drawing board—not to reinvent lending, but to streamline it around the realities professionals face daily. After months of listening, building, and testing, we’re proud to unveil three distinct hard money loan products designed to meet the most important and most common needs of today’s professional investor. We've solved for skipping the 3rd party appraisal and draw inspection, allowing for borrower-provided photos to keep things moving quickly. You also now have options for deferring origination fees and interest payments to payoff.
Meet Advantage, Boost, and Catalyst—three flexible, short-term lending solutions built to match your strategy, your pace, and your cashflow needs.
Advantage: Maximize Leverage, Minimize Cost
Best for: Heavy rehabs and professional operators who want the lowest rates and maximum financing.
The Advantage product is built for experienced investors tackling complex projects. This program offers up to 90% As-Is Value (AIV), 90% Loan-to-Cost (LTC), and 75% After-Repair Value (ARV)—making it our most competitive option in terms of cost and leverage:
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Rate: 9.375%
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Origination Fee: 1.25%
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Draws: Third-party inspected
- Appraisal: Full 3rd Party
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Ideal When: You're scaling, working with large scopes, and optimizing capital stack efficiency
Boost: Close Fast, Keep Cash in Hand
Best for: Light rehab projects where speed and simplicity matter most.
When you need to move quickly, skip the appraisal and limit your out-of-pocket at close, Boost delivers. Designed for quick turns and low-friction deals, this product simplifies the process by allowing self-inspection draws and offering flexible origination fee structures.
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Rate: 9.875%
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Origination Fee: 1.5% upfront or 2.25% at payoff
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Draws: Self-inspection
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Ideal When: You’re flipping fast, managing multiple deals, or want to reduce cash upfront
Catalyst: Preserve Cashflow Until Exit
Best for: Light rehabs where deferring interest helps preserve working capital.
Catalyst is all about flexibility and keeping cash in your business. With deferred interest until payoff and self-managed draws, it helps you maintain cash flow during the project—especially useful when juggling multiple investments or reinvesting in growth.
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Rate: 9.875% (interest deferred)
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Origination Fee: 2.25%
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Draws: Self-inspection
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Ideal When: You’re optimizing cash flow across multiple deals or pushing for scale
One Platform, Three Tailored Paths
Each of these products includes:
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Loan amounts starting at $100,000
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Up to 15-month terms
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Financing for single-family homes, 2–4 units, townhomes, and condos
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Access to our 24/7 borrower portal for project tracking and draw requests
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Lending across 35 states
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Up to 100% construction cost funding, released based on milestone completions
Scale Smarter
Whether you're flipping fast, taking on a major gut renovation, or managing multiple cash-intensive projects, we’ve built a product to match your rhythm. These aren’t cookie-cutter loans—they're tools designed to work as hard as you do.
Apply Here, and a member of our team will be in touch to match you with the product that fits your next project best.
Learn more about our loan programs here.
*Terms and conditions apply. All programs are subject to borrower and project qualification.
