California Hard Money Loans for Real Estate Investors

Fix & Flip
Loans

ABL offers fast, flexible financing for fix and flip investors, with approvals in 24 hours and closings in as little as 10 days. Our 12-month interest-only bridge loans cover up to 85% of the purchase price and 100% of rehab costs. Whether you’re flipping single-family homes or multifamily properties, ABL has a solution tailored to your project.

  • Loan Term: 12-24 months
  • LTV: 90% of purchase, 100% of rehab
  • Loan Size: $75K - $50M
2 workers discussing fix and flip loan programs

New Construction
Loans

ABL partners with experienced builders to fund new construction projects through 12-month interest-only bridge loans, with rates starting at 9.99% and amounts from $100K to $10M. We offer a transparent, no-hidden-fee process with no pre-payment penalties. With repeat borrowers and hundreds of five-star reviews, ABL is a trusted choice for California construction financing.

  • Loan Term: 12 - 24 months
  • LTV: Up to 70% for land, 100% for construction budget
  • Loan Size: $75K - $50M
Contractor building a house with a new construction loan

Rental
Loans

ABL offers fast, flexible rental loans for California investors looking to buy, hold, or refinance properties from 1–9 units or entire portfolios. With rates starting at 6% and up to 80% LTV, we provide options like 30-year amortization, ARM, and interest-only terms. ABL also lets you transition from bridge to long-term rental loans, making us a one-stop shop for real estate financing.

  • Loan Term: 30 years
  • LTV: Up to 80%
  • Average DSCR: 1.1
  • Loan Size: $75K – $5M
Rental property funded with dscr loans

Home of the Only True Zero-Point Program

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  • No Pre-Pay Penalty
  • No Exit Fees
  • Available for All Experience Levels
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California Real Estate Market Highlights

Median Sale Price
$832,500
Feb. 2025
Median Days on Market
42 Days
Feb. 2025
Monthly Homes Sold
18, 660
Feb. 2025
Icon - Sold Above Listing
Homes Sold Above Listing Price
39.1%
Feb. 2025
Avg Fix & Flip Gross ROI
18.9%
Q3 2024
Avg Fix & Flip Gross Profit
$115,250
Q3 2024
 
 

Recently Funded

Check out some of our recent projects:
Denver Colorado DSCR Rental Loan
Cash Out Refinance
$1.30M
Denver, Colorado
Golden, Colorado DSCR Rental Loan
Cash Out Refinance
$1.70M
Golden, Colorado
Monument Colorado Fix And Flip Loan
Property Purchase & Rehabilitation
$1,300,000
Monument, Colorado
Fix & Flip — Single Family
View More Recently Funded

Real Reviews from Real Borrowers

 

Great experience! They always answered or returned my calls immediately and walked me through the entire process and made sure all my questions were answered. I had a couple of questions weeks after my loan closed and they still responded immediately and made sure I was taken care of. Great experience and I would highly recommend ABL.

Cindy G.

I am glad I got to know Asset Based Lending, they made funding for my construction site very simple. They have a great team of people, that would go out of their way to help. Boris has been great and very helpful, I highly recommend them for all your Construction financing needs.

Mike A.

I have had the pleasure of working with Boris Akbashev for my real estate financing needs on my last 10-15 projects, and I cannot speak highly enough of his professionalism and expertise. Boris demonstrated a deep understanding of the lending process and went above and beyond to ensure I secured the best possible terms.

John S.

Truly a pleasure having ABL on every deal! Thanks to their lending expertise and timely support and guidance throughout the process to get the best loan for my deals. I can see my company growth from 1-2 flips to numerous flips, new construction, and DSCR loan to grow my portfolio.

Pedro E.

Asset Based Lending is the place to shop for all your construction needs. Their easy funding policy, makes life so much simpler for any builder to focus on building and not be worried about financing project. Boris was supper helpful to accommodate me with all me financing needs.

Ray P.