UP Financial USA

UP Financial USA operates as a boutique financial services platform blending investment advisory and principal investing. Founded by Vasilios Gerakis, the firm originates structured credit, private lending, and placement mandates from its New York office. Its model resembles that of a merchant bank, where the firm co-invests its own capital alongside institutional partners.

Vasilios Gerakis is the founder and CEO, per public records. He leads all origination, structuring, and investment decisions. The firm appears to operate with a small team, relying on a network of external capital partners rather than a large in-house investment staff.

Based on its public-facing materials and market footprint, the firm focuses on structured credit and private lending, including commercial real estate bridge loans, asset-backed facilities, working capital lines, and specialty finance assets. It also advises on capital raises for middle-market borrowers seeking non-bank financing.

There is no public record of a dedicated blind-pool fund structure. The firm appears to operate on a deal-by-deal basis, co-investing its own balance sheet alongside external institutional partners, family offices, and credit funds that commit capital to individual transactions.

Deal flow likely originates through founder Vasilios Gerakis's direct relationships with borrowers, developers, and institutional capital allocators in the New York market. As a boutique platform without published fund vehicles or an extensive online footprint, origination appears relationship-driven rather than sourced through broad marketing or intermediary channels.

No. Despite its boutique structure, UP Financial USA functions as an asset manager and merchant bank, not a single-family office. The firm manages third-party capital and co-invests its own balance sheet, rather than managing the wealth of a single family.

The firm is headquartered in New York, NY, which provides direct access to the largest private credit and real estate capital markets in the United States. No additional office locations have been publicly identified.