From Dirt to Doors: How Ground-Up Construction Loans Bring Your Real Estate Vision to Life
The dream of building a property from the ground up—whether…
Flexible Funding for Investors
Fix and Flip Loans Nationwide
Close in as little as 7 days. Up to 90% LTC for experienced investors.
UpNext Capital Loan Quote
Tell us about your project to get matched with the best funding options.
Build with Confidence
Ground-Up Construction Financing
From land purchase to vertical build, we’ve got your next project covered.
UpNext Capital Loan Quote
Tell us about your project to get matched with the best funding options.
Rent. Refinance. Repeat.
DSCR Loans for Rental Properties
No income docs. 30-year fixed options based on property cash flow.
UpNext Capital Loan Quote
Tell us about your project to get matched with the best funding options.
Bridge the Gap
Fast Bridge Loans for Opportunistic Deals
No FICO OK. Funding for time-sensitive transactions and refinances.
UpNext Capital Loan Quote
Tell us about your project to get matched with the best funding options.
Creative Loan Solutions
Multifamily, Commercial, RV Parks & More
We fund what others won’t — from 5-unit rentals to niche assets
UpNext Capital Loan Quote
Tell us about your project to get matched with the best funding options.
|| NO RUNAROUND - JUST REAL SOLUTIONS ||
The UPNEXT 4 Steps Process
Submit Request
Use the UPNEXT Capital Loan Quote form above to tell us about your project — it only takes 5 minutes. No credit check is required at this stage.
Custom Loan Design
We’ll propose 1–3 solutions within 24 hours, with clear advice to strengthen weak applications.
Document Packaging
We handle lender matching and paperwork – you focus on your project.
Close & Fund
Fund in as little as 5 days using your preferred title company.
|| UPNEXT EXPERTISE ||
Funding solutions that grow with your vision
We have one simple mission- Empowering Your Real Estate Journey & Fueling Your Real Estate Success
Fix & Flip Leaders
From 100% financing for seasoned flippers to beginner-friendly programs with no experience needed.
Construction Pioneers
Ground-up loans with $0 down and up to 95% loan-to-cost for builders.
DSCR Experts
Flexible solutions for rental portfolios, including options for foreign nationals with no U.S. credit.
Bridge Loan Specialists
Quick capital for urgent opportunities, funded in 2–7 days.
Fast Approval and Closing
Close some loans in as little as 2–7 days, ensuring you capitalize on time-sensitive opportunities without delay.
Tailored Flexibility
Many of our loan programs, from Fix and Flip to Ground Up Construction, have no minimum credit score or experience requirements, making financing accessible for both seasoned and first-time investors.
Profit-Driven Support
Our team of experts provides strategic guidance to maximize your returns, helping you navigate deals and strengthen applications for optimal outcomes.
Proven Reliability
With many years of collective real estate investing experience, we evaluate deals with an investor’s mindset, focusing on your long-term success.
- Investor-First Underwriting
- Use contractor experience to qualify
- Hybrid Funding Model:
- Broker access to 100+ lenders
- Count projected rents before stabilization
- Accept nontraditional collateral
- Direct lending capacity for repeat clients
- Deal Rescue Team: Specializes in restructuring rejected loans within 72 hours
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Traditional Lenders
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UPNEXT Capital
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"Your credit score is too low"
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"Here’s how we’ll structure it with a 640 score"
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"Need 10+ completed deals"
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"We’ll use your contractor’s experience to qualify"
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30+ day closings
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As fast as 5 days (we know timing kills deals)
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Generic loan offers
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Custom solutions (we run the numbers with you)
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Signature Loan Programs
At UPNEXT Capital, we offer specialized loan programs designed to empower real estate investors with fast, flexible, and investor-centric financing. Our signature offerings cater to a range of investors, from first-timers to seasoned professionals, across residential and commercial projects. The table below highlights our key programs, their target audience, and the game-changing benefits that set them apart.
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Program
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Who It's For
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Game-Changer Benefit
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7-Day Fix and Flip
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Experienced flippers (5+ projects) with 680+ credit
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Lightning-fast 7-day closings with up to 85% LTV and no appraisal, maximizing speed to market.
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100% Financing Fix and Flip
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First-time or low-experience investors (0-4 projects) with 650+ credit
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Full purchase and rehab funding with 10-20% down via a 2nd lien, removing capital barriers for new investors.
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No-FICO Fix and Flip
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Investors in select states (AZ, CO, GA, TN, TX, NC, SC, VA) needing flexibility
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No credit score requirement and desktop valuations, enabling quick deals for credit-challenged investors.
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DSCR 30-Year Loan
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Rental property investors building long-term portfolios
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Flexible 0.75-1.25 DSCR and up to 80% LTV, with interest.
only options for cash flow optimization.
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Foreign National
DSCR
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International investors without U.S. credit
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No U.S. credit needed, with LLC setup assistance, opening U.S. real estate to global investors.
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$0 Down Ground up Construction
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Builders with owned land and 640-680 credit
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Zero down payment with closing costs rolled into the credit loan, reducing upfront capital needs.
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No-FICO Ground Up construction
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Developers in select states (AZ, CO, GA, TN, TX)
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No credit check and 5-day closings, ideal for fast-moving Construction projects with 25% LTC down.
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Bridge Loan
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Investors needing short-term capital for acquisitions or transitions.
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24-month terms with 70% LTV for rented properties, closing in 2-7 days to seize time-sensitive opportunities.
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Transactional Funding
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Wholesalers or investors executing
double closings
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2-5% funding with no monthly payments, held in escrow
for seamless same-day transactions.
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Multifamily Loan
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Investors in 5+ unit properties with 680+ credit
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Up to 80% LTV at 8.5% APR, supporting large-scale rental investments with competitive terms.
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Ready to explore more loan options for your project? Let's get started.
|| What We’re Offering ||
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