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Fast Closings, a 4-Day Close Case Study

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At Upright Lending, 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
 
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 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:

  • 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.
 
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 Lending to give you both.

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