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What to Expect After Your Short-Term Loan Loan Funds

A guide for rehab, bridge, and new construction borrowers

Congratulations on closing your loan with Upright Lending! Your branch team will be your point of contact throughout the life of your loan, from funding through payoff. Below is everything you need to know about what comes next.

Loan Servicing with FCI Lender Services

Your loan is serviced by FCI Lender Services, which means FCI handles the day-to-day administration of your loan, including collecting payments, providing statements, and processing payoff requests.

Shortly after funding, you will receive a welcome package from FCI that includes your Loan ID and instructions for setting up your account. Once you have your Loan ID, create your account at myfci.com to:

  • View monthly statements
  • Request a verification of mortgage (VOM) or payoff statement
  • Manage your payment information

Payments and ACH

ACH enrollment is mandatory before your loan funds. This protects you from missed payments and late fees by ensuring payments are collected reliably and on time.

Here is how payments work after closing:

  • Your initial payments draw from the interest reserve established at closing. No action is needed from you during this phase.
  • Once the interest reserve is depleted, ACH automatically begins withdrawing your monthly payment from your bank account. You will be notified before this transition happens.

Set up your ACH enrollment early and confirm it is active to avoid any disruption. You can access a direct payment link to FCI through your Borrower Dashboard.

Your Borrower Dashboard

Log in to your Borrower Dashboard at app.upright.us/home using the email address you applied with. Through the dashboard, you can:

  • Track your loan status
  • Submit construction draw requests
  • Access the FCI payment link
  • View project and servicing information

Payoff requests and term extensions through the dashboard are coming soon. Log in shortly after funding to confirm you have access.

Construction Draws

If your loan includes a rehab or construction reserve, you can request draws through your Borrower Dashboard. A third-party inspection vendor will verify completed work before funds are disbursed.

Tips to keep the process moving:

  • Submit your draw request as soon as work is complete
  • Have lien waivers and invoices ready to upload
  • The inspector will contact you or your site contact to schedule a visit

For full details on the draw process, visit the Construction Draws section of the Knowledge Center.

Extensions and Payoffs

If you need more time on your loan, contact your branch team to discuss extension options. Extension requests through the dashboard are coming soon.

Payoff statements can be requested through FCI or your branch team. Dashboard payoff requests are also coming soon. For more information, visit the Exiting Your Loan section of the Knowledge Center.

Stay Connected

Your branch team is always your primary contact for questions, support, and your next deal. Here are your key resources:

This article is updated as new features become available.