At Upright, we don’t just fund loans. We own the capital, manage the risk, and make the calls.
That may sound technical, but it’s the foundation of everything our borrowers experience — fast closings, flexible structures, smarter tools, and terms that actually reflect what real estate investors need in a competitive market.
Here’s how that plays out in the real world:
Case Study: Indiana Cosmetic Flip, Closed in 4 Days
On May 19, a customer in Indiana went under contract on a cosmetic rehab project. But his preparation started long before that — he had already used our mobile inspection link to upload photos during his initial walkthrough of the home the week prior.
Because we had that early intel — and because he moved fast — we did too.
To make all the possible, the borrower was prepared by:
- Getting preapproved through us prior to hitting the market
- Executing our term sheet the moment he was under contract
- Uploading all diligence docs via our secure portal
- Immediately putting us in touch with the title and insurance companies
- And closing by May 23, just four business days later
Loan Terms
As a returning borrower, he qualified for a reduced origination fee of 1.5%. But to maximize his upfront liquidity, he chose to defer the fee to payoff — which adjusted the origination to 2.25%. This gave him more breathing room at close, with no origination paid upfront.
Here’s how the full structure came together:
- 90% Loan-to-Cost (LTC) — structuring the loan to reimburse 100% of his rehab costs
- Interest-rate in the low 10s
- 2.25% origination fee, fully deferred to payoff
- 4-day close — thanks to his fast action and our capital agility
- Post-close setup:
- Enrolled in Autopay (ACH) for easy monthly payments
- Access to our self-service portal to request draws
- Each draw request triggers a geofenced inspection link — quick, borrower-completed, no waiting or scheduling 3rd party inspectors
- And a seamless transition to a rental loan if he decides to hold the property
How This Is Possible: We Control the Capital
We’re not waiting on capital partners, fund admins, or committee approvals. We move fast because we own the capital stack and make decisions in-house.
But it’s not just speed. Control of capital gives us strategic agility. It allows us to:
But it’s not just speed. Control of capital gives us strategic agility. It allows us to:
- Pivot based on borrower feedback and competitive shifts.
- Say yes to smart innovations like:
- Geofenced inspections provided by borrowers
- Draw requests tied to location + image verification
- Deferred origination fees and interest payments to boost front-end cash flow
- Test new ideas with real investors, and roll them out in days — not quarters
We believe the best way to win the best business is to listen. And when our borrowers tell us what they need — whether it's faster draw access, more flexible term options, or upfront breathing room — we can make those changes at our speed.
We Read the Market — and Act
Controlling capital also lets us read the tea leaves of what’s happening in the market — and adjust instantly. When competitors shift pricing, we respond. When borrowers face bottlenecks, we unblock them. When the strategy changes, we don’t wait — we move.
If you haven’t yet, check out this article: Why Borrowers Should Understand How Their Lender Sources Capital
When you're trying to win a deal in a competitive market, speed matters. But so does partnership, and partnership starts with control.
We built Upright to give you both.
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