We’re The Only
Hard Money
Lender with a True
Zero-Point Program.

Asset Based Lending provides private real estate loans for residential and small-balance investors pursuing fix-and-flip, rental (DSCR), ground-up construction, and bridge strategies. Our programs are built for experienced and repeat investors who prioritize speed, clarity, and consistent execution.

Asset Based Lending evaluates each loan based on the property, local market conditions, scope of work, and overall investment strategy. Underwriting focuses on project feasibility and exit strategy rather than relying solely on standardized income or credit qualification.

Yes. Asset Based Lending frequently works with repeat borrowers and portfolio investors across multiple projects. Our lending model is designed to support ongoing investment activity as portfolios scale over time.

Asset Based Lending is a direct private lender, meaning loans are underwritten, structured, and funded internally rather than placed with third parties. This allows for faster decision-making, clearer communication, and more consistent execution from approval through closing.

Asset Based Lending remains actively involved after closing, supporting borrowers through funding, draw requests, and payoff. Dedicated teams stay engaged throughout the life of the loan to help projects stay on schedule and capital flow smoothly.

A hard money loan is a short-term, asset-based loan secured by real estate value rather than the borrower’s income or credit history. Traditional mortgages rely on income verification, tax returns, and credit-based underwriting, often taking 30-60 days to close. Hard money lenders like Asset Based Lending underwrite based on the property and the investor’s exit strategy instead, enabling closings in as few as 10-20 days.

Asset Based Lending’s Zero-Point Program lets qualifying real estate investors close a hard money loan without paying origination points—a fee most hard money lenders charge upfront, typically 1-3% of the loan amount. Eliminating points frees up capital that would otherwise go toward lender fees, letting investors put more money toward renovation costs, holding costs, or their next deal.

Asset Based Lending is a nationwide direct hard money lender, providing fix-and-flip, bridge, DSCR rental, and new construction financing to real estate investors across 40+ states. Investors can connect with a local ABL lending team to confirm program availability and terms in their state, and you can see which states we lend in here.

The right Asset Based Lending program depends on the investment strategy: Fix & Flip loans finance the purchase and renovation of a property for resale, Bridge loans provide short-term capital to acquire a property or unlock equity during a transition, DSCR Rental loans offer 30-year financing for buy-and-hold investors based on rental income, and New Construction loans fund ground-up residential builds. ABL’s lending team can help match your project to the appropriate program based on timeline and exit strategy.

Yes, Asset Based Lending works with first-time real estate investors as well as experienced, repeat borrowers. Because ABL’s underwriting focuses on the strength of the property and deal rather than a lengthy borrowing history, new investors with a solid project and clear exit strategy can qualify for the same fast, asset-based financing as seasoned clients.

Yes, Asset Based Lending offers blanket loans that let real estate investors finance multiple properties under a single loan. This structure simplifies servicing and closing for portfolio-scale investors acquiring or refinancing several properties at the same time.

Yes, Asset Based Lending funds loans directly for individual real estate investors and also partners with mortgage brokers structuring deals for their clients and referral partners expanding their networks. ABL provides dedicated support and resources for brokers and partners alongside its direct-to-investor lending programs. You can click here for more information on our Broker Affiliate Program.

Yes, Asset Based Lending offers cash-out refinancing through its Bridge and DSCR Rental loan programs, allowing real estate investors to unlock equity from an existing property to fund a new acquisition, renovation, or investment opportunity. Loan terms and maximum cash-out amounts vary by program.