I'm Flipping

Rates as low as 8.99%

 

I'm Building

Rates as low as 9.25%

 

I'm Buying

Rates as low as 6.125%

 
 
Your Local Lender
Zach Ahern
Zach Ahern
Loan Officer, VP
Your Local Lender
Cole Kelly
Cole Kelly
Loan Officer
Your Local Lender
Ira Kuperman
Ira Kuperman
Loan Officer
Your Local Lender
Grant Toner
Grant Toner
Loan Officer
Your Local Lender
David LaBorde
David LaBorde
Loan Officer, AVP
Your Local Lender
Eden Sivan
Eden Sivan
Inside Loan Officer
Your Local Lender
Maryem Haddoumi
Maryem Haddoumi
Inside Loan Officer
Your Local Lender
Nick Tierno
Nick Tierno
Head of DSCR Sales, VP
Your Local Lender
Nik Gak
Nik Gak
Head of Inside Sales, SVP
Your Local Lender
Seth Blumenthal
Seth Blumenthal
Loan Officer, VP
Your Local Lender
Torin Francis
Torin Francis
Loan Officer, VP

The Premier Hard Money Lender In Virginia

We’ve been offering private hard money loans for over a decade, providing Virginia real estate investors with the most reliable financing in the industry with loan approval as fast as 24 hours and initial funding in 10 days or less. Our flexible underwriting allows funding for a wide variety of real estate investment projects throughout Virginia, including fix and flips, new construction, cash out/refinances, and rental portfolios. With our commitment to fast closings and personalized service, we’re the ideal lending partner for ambitious investors looking to capitalize on opportunities across the Virginia real estate market.

Hard Money Loans For Local Virginia Real Estate

Our team specializes in lending throughout Northern Virginia with expert knowledge of local real estate markets, understanding that financing in Fairfax County differs significantly from Arlington County, with in-house processing and underwriting providing the most competitive rates and quickest closings. We evaluate each project as unique and are willing to work with investors of all experience levels, from first-time buyers to seasoned professionals with decades of experience. With our unmatched speed, personalized service, and complete transparency throughout the loan process, we’re the premier choice for hard money loans across Virginia’s diverse real estate markets.

Virginia Hard Money Loans for Real Estate Investors

Fix & Flip
Loans

We provide industry-leading fix and flip loans for investors who can spot distressed properties and transform them into gorgeous, sale-ready homes in Virginia’s hot seller’s market, with fast closing speeds as quick as three days when paperwork is ready and our average closing time of just 10 days. Our 12-month, interest-only hard money loans feature flexible underwriting and cover up to 90% of the purchase price and 100% of the rehab costs, giving you the capital needed to move quickly on opportunities. For more information about our Virginia fix and flip loans, including specific rates and requirements, you can check out our additional details online to learn how we can help fund your next transformation project.

2 workers discussing fix and flip loan programs

New Construction
Loans

We offer hard money loans for new construction in Virginia with the same quickness and reliability as our fix and flip loans, available exclusively to experienced investors, contractors and builders who can typically borrow up to 90% of land value and 100% of construction costs. Our comprehensive service includes quick approvals, an in-house draw management team for fast construction fund reimbursement, and a flexible staff that works closely with you throughout your project. As direct Virginia hard money lenders using our own capital, we’re personally invested in making good loans to smart investors on projects that will be profitable for everyone involved, ensuring you receive the financing you need to succeed in Virginia’s competitive construction market.

Contractor building a house with a new construction loan

Rental
Loans

We offer term rental loans for Virginia buy-and-hold investors focused on 1-4 family properties, with rates starting as low as 6%, leverage up to 80% LTV, and flexible options including 30-year amortization, ARM, and interest-only plans. Our unique capital structure allows us to provide both single rental loans and portfolio loans up to $3M each, working with investors at all experience levels whether you’re expanding your current portfolio or securing your first rental property. As experts in Virginia’s local real estate markets, we’re dedicated to delivering a five-star experience throughout your investment journey, creating customized funding solutions that match your specific financial goals.

Rental property funded with dscr loans

Home of the Only True Zero-Point Program

  • No Pre-Pay Penalty
  • No Exit Fees
  • Available for All Experience Levels

Virginia Real Estate Market Highlights

Median Sale Price
$443,800
Feb 2025
Median Days on Market
38 Days
Feb 2025
Monthly Homes Sold
6,441
Feb 2025
Icon - Sold Above Listing
Homes Sold Above Listing Price
34.1%
Feb 2025
Avg Fix & Flip Gross ROI
59.5%
Q3 2024
Avg Fix & Flip Gross Profit
$124,950
Q3 2024
 
 

Recently Funded

Check out some of our recent projects:

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.