New Year, New Terms: Why Upright Lending is the 2026 Capital Partner for Serious Investors

Industry-leading pricing. Strong leverage. Dedicated teams. A modern lending platform built to close.

As we enter 2026, the landscape for residential investment is shifting. At Upright Lending, we aren’t just turning the calendar; we are launching new terms backed by $2 billion in committed capital. Our 2026 framework is built to give you the liquidity and speed needed to dominate your market.

This is capital positioned to deliver industry-leading pricing, strong leverage, and fast execution across residential real estate investments.

This isn’t capital waiting on the sidelines. It’s capital built to move, backed by proven teams, modern infrastructure, and a long-term commitment to the residential investment space.

Capital That’s Priced to Compete

In today’s market, winning deals comes down to more than access to capital. it comes down to terms that allow investors to compete and scale.

Upright Lending is structured to offer:

• Industry-leading pricing across residential investment loan products. Rehab rates starting in the 8s, new construction in the 9s
• Strong, competitive leverage, with max loan-to-cost at 92.5% and Loan to After Repair Value up to 75%
• Flexible loan terms from 6 to 24 months to match actual project timelines
• Velocity: 7–10 day originations and 2-day draw reimbursements.

Our underwriting philosophy is deal-first. We focus on asset quality, execution plans, and market fundamentals, not rigid checklists. That approach allows us to structure capital that helps investors preserve liquidity, remain competitive on acquisitions, and grow portfolios efficiently.

If you’re actively shopping lenders, pricing and leverage matter. Upright Lending belongs in that conversation.

Built to Finance the Full Range of Residential Investment

Our platform supports investors across strategies, markets, and experience levels, including:

• Light rehab projects for up to 20 unit properties, including for brand new investors with solid project fundamentals
• Heavy rehab and value-add projects
• Ground up residential new construction, whether urban infill or suburban expansion.
• Bridge/Stabilization loans for those fast-moving situations.

From first projects to complex developments, our objective is consistent: deliver competitive capital and close without unnecessary friction.

Where Technology and Teams Finally Align

For too long, investors have been forced to choose between two imperfect lending models.

On one side are technology-first lenders: efficient platforms with no continuity, no accountability, and no real relationship behind the loan.

On the other are relationship-driven lenders: strong teams hampered by outdated systems that slow down originations and servicing.

Upright Lending is being built to bridge that gap.

We combine:

• Defined, accountable lending teams investors know by name
• Modern technology that accelerates the entire lending and project lifecycle

This isn’t tech for tech’s sake. It’s infrastructure that is designed to support speed, clarity, execution & success.

Servicing Built for How Real Projects Operate

In 2026, new terms at Upright Lending aren't just about the rate; they're about the relationship. Our 2026 standard includes zero handoffs to faceless departments and zero ticketing system delays.

Rehab and construction projects evolve. Scopes change. Timelines shift. Draws need to move quickly. When servicing slows down, projects stall, and costs rise. That’s why servicing is a core part of the Upright Lending platform, not an afterthought.

From closing through payoff, investors work with the same dedicated team, the people answering calls, responding to emails, processing draws, and proactively checking in throughout the life of the loan.

There’s no handoff to a faceless servicing department.
No ticketing system black hole.
No uncertainty about who’s managing your project.

Speed That Keeps Projects on Track

We’ve paired our team-based approach with servicing technology built specifically for active projects.

Investors benefit from:

• Self-service budget monitoring & modification tools
• Clear visibility into draw status
• Payment, extension & payoff self-service
• Fast, consistent processing

In most cases, draw reimbursements are sent within two business days of request, because speed at this stage isn’t a nice-to-have; it’s essential.

Scope changes, extensions, and payoff requests are handled with the same focus on responsiveness and clarity, allowing investors to stay focused on execution rather than administrative delays.

Relationship-Driven, Capital-Forward

Strong lending relationships are built through performance.

That’s why we intentionally work with:

• Emerging investors who have solid deals and want a long-term capital partner
• Experienced operators and top developers who demand pricing, leverage, scale and certainty

With deep capital backing and experienced teams, Upright Lending is built to support investors at every stage of growth; from early projects to scaled portfolios.

A Platform Built for What’s Ahead

Alongside new capital, we’ve continued investing heavily in the lending experience itself.

We’ve launched:

• A new website: www.uprightlending.com
• A streamlined application, documentation, and intake process
• Ongoing platform enhancements designed to support:
  • Always-on access
  • Increased self-service
  • Faster decisioning, servicing, and closings

Everything we build has one purpose: Remove friction between a good deal and funded capital.

Conviction Through the Cycle

Upright Lending is committed to residential real estate lending for the long term. We’re backed to deploy capital through market cycles and structured to support investors as strategies evolve and portfolios grow.

As the year ahead unfolds, our message is simple:

Industry-leading pricing.
Strong leverage.
Proven teams.
Fast servicing.
Serious capital—built to close.

Whether you’re underwriting your next deal or planning your capital stack for the year ahead, we’d like to be part of the conversation. Connect with our team at (216) 206-6079 or create an account  and submit your application here!