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About Us
We are proud to Offer an Investor-Centric Capital Solutions – Where Relationships Outlast Transactions.
Who We Are
We’re more than brokers – we’re a passionate team of real estate financing experts and your strategic funding partners. As an active real estate investors, developers and real estate professionals ourselves, we ensure our loan programs solve the exact challenges we’ve faced:
"We fund the deals other lenders call ‘too complicated’ – because not everybody sees your vision or are interested in actually finding solution.
We’ve been in your shoes, and we’re here to drive your success."
- Fix & Flip Leaders: From 100% financing for seasoned flippers to beginner-friendly programs with no experience needed.
- DSCR Experts: Flexible solutions for rental portfolios, including options for foreign nationals with no U.S. credit.
- Construction Pioneers: Ground-up loans with $0 down and up to 95% loan-to-cost for builders.
- Bridge Loan Specialists: Quick capital for urgent opportunities, funded in 2–7 days.
What Makes UPNEXT Capital Unique
Investor-to-Investor Perspective
We’re active real estate investors ourselves, with decades of experience across diverse markets. When we review your deal, we don’t just check boxes—we assess it through the lens of profitability and potential, offering insights that align with your investment goals.
Wall Street Precision, Middle-Market Focus
Our institutional-grade funding capacity powers loans from $50,000 to $50 million and beyond. We bring sophisticated financing solutions to the lower middle market, delivering the scale of big banks with the agility of a boutique lender.
Partnership for Long-Term Success
Our 90% client return rate speaks to our commitment to your future. We design loan structures that not only close your current deal but also position you for your next opportunity, fostering a cycle of growth and profitability.
Nationwide Reach with Local Expertise
While we serve investors across the U.S., our Southlake, Texas roots give us a deep understanding of local and regional markets. Whether you’re in Texas or beyond, we tailor our approach to your specific needs.
Why 90% of Our Clients Return
Active Investors Who Speak Your Language
No 'Maybe' Approvals – We Find Solutions
Broker + Financial Consultant in One
Focused Only on Real Estate Loans – So We’re Expert Solution Finder
Key Differentiators from Generic Lenders
Investor-First Underwriting
We qualify based on real-world experience. Contractor background, past flips, and landlord history carry more weight with us than a traditional borrower profile.
Projected rental income is factored in before the property is stabilized. If your deal pencils out post-rehab, we’re already on board.
We accept nontraditional collateral structures. Land, cross-collateralized equity, seller-held seconds, and creative lien positioning are all fair game.
No income verification is required. We focus on deal strength and investor strategy rather than tax returns or employment history.
Underwriting is built around investor logic. If the deal makes sense and your plan is solid, we work to fund it—not decline it due to check-the-box limitations.
Investor-First Underwriting
Tap into a network of over 100 hard money, private, and institutional lenders. Our reach allows us to place deals others can’t.
We offer direct funding capacity for repeat clients and priority deals. When time is tight, we can close from our internal capital stack.
A hybrid model means more flexibility. You benefit from wide-market options with the speed and control of an in-house lending team.
Every loan is custom-matched to your investment profile. Property type, exit strategy, and timeline guide how we structure each offer.
You avoid red tape while still accessing the most competitive terms. Fast approvals, smart leverage, and investor-aligned funding are our default.
Investor-First Underwriting
Our dedicated team reviews and restructures rejected deals within 72 hours. Speed is essential, and we’re built for urgency.
We specialize in reviving loans that fall apart mid-process. If another lender backed out, we step in to reassess, restructure, and relaunch.
Protecting your earnest money is a top priority. When delays threaten your timeline or deposits, we move fast to secure a close.
We solve complex, unconventional issues daily. From appraisal gaps to reserve shortages to sudden title issues, we’ve likely seen your scenario before.
Our goal is simple—get your deal across the finish line. No excuses, no dead ends, just smart, strategic solutions that work in real time.
|| professional team ||
Meet the highly qualified team members
Adam Niraula
LOAN STRATEGIST
Lidia Hicks
ADVISOR
Connor Estrada
ADVISOR
