If you’re a real estate investor, you already know that traditional financing can be an agonizing, red-tape-filled nightmare. Banks care more about your personal W-2 income and microscopic credit dings than they do about the actual profitability of your project.
It’s exhausting, it’s inefficient, and in a highly competitive market, it costs you deals.
What if you could bypass the strict credit committees and put your deal in front of dozens of asset-based lenders all at once? Asset-based lending, frequently referred to in the industry as ABL lending, underwrites the collateral—allowing you to secure capital based on the property's equity, Cash Flow (DSCR), or after-repair value (ARV).
If you’re a real estate investor, you already know that traditional financing can be an agonizing, red-tape-filled nightmare. Banks care more about your personal W-2 income and microscopic credit dings than they do about the actual profitability of your project.
It’s exhausting, it’s inefficient, and in a highly competitive market, it costs you deals.
What if you could bypass the strict credit committees and put your deal in front of dozens of asset-based lenders all at once? Asset-based lending, frequently referred to in the industry as ABL lending, underwrites the collateral—allowing you to secure capital based on the property's equity, Cash Flow (DSCR), or after-repair value (ARV).
Before diving into the strategy, it is important to understand the exact terminology driving this type of capital. ABL stands for asset-based lending or an asset-based loan. Simply put, ABL lending is any type of financing that is secured by an asset.
Unlike traditional bank loans or cash-flow facilities that depend heavily on standard metrics like your personal credit history, expected future cash flows, or EBITDA (earnings before interest, taxes, depreciation, and amortization), an ABL lender focuses primarily on the tangible value of the assets you use as collateral. The size of an ABL loan is calculated as a percentage of the value of those assets.
While traditional commercial ABL lending allows businesses to leverage accounts receivable, inventory, and equipment, real estate is a massive and highly leveraged asset class within the ABL space. By securing the loan with physical assets, ABL lending provides borrowers with flexible, "covenant-light" financing structures [cite: 1.2.1]. Because the lender's risk is minimized by the collateral, borrowers gain access to larger capital flows and more freedom from the restrictive financial maintenance covenants typically imposed by conventional cash-flow lending.
(Note: In commercial real estate, short-term "hard money" is simply one highly specialized branch of the broader ABL lending tree).
Here is a simple, highly effective 8-step guide to testing your deal, generating your list, and contacting the top ABL lending institutions using a single, optimized loan request.
Your loan request is your deal's resume; if it’s sloppy, ABL lending partners will pass without a second thought. To do this right, use the Lendersa Standard Loan Request.
[Insert Image 1: Lendersa Loan Information Form]
The first part of the request covers the essential hard data. It asks for everything an underwriter needs to determine the initial workability of the loan and provide a soft quote—including the loan amount, property type, estimated After Repair Value (ARV), and basic borrower profile.
Conventional loan applications are notoriously dry. They are essentially a massive grid of row numbers, credit scores, debt-to-income ratios, and standardized property appraisals. For traditional "vanilla" bank financing, the numbers are the alpha and the omega. You either fit neatly into their rigid underwriting box, or you don't. The numbers speak entirely for themselves.
Commercial ABL lending and private finance operate in a completely different universe. Because these lenders take on the non-conforming, collateral-driven deals that banks reject, a spreadsheet is simply not enough to assess the risk. Asset-based lenders need the story. They need context to bridge the gap between a distressed property on a piece of paper and a highly profitable, completed project. When you submit a loan request, providing a compelling narrative about the purpose, the property, and your experience is just as critical as your credit score or the property's zip code.
Here is exactly why the story matters and what ABL lending teams are actively looking for when they read it:
1. The "Why": Contextualizing the Need for Private Capital
Asset-based capital is more expensive than traditional bank debt. Private lenders know this better than anyone. When they look at a loan file, their very first question is, "Why is this borrower coming to me instead of going to a local bank for a 7% loan?" If you don't explain the "why," lenders will naturally assume the worst (e.g., hidden bankruptcies, a fundamentally flawed property, or extreme desperation). You must control the narrative by explicitly stating the reason. Valid, confidence-building reasons include:
Speed: "We are acquiring this property at a 30% discount, but the seller requires a 10-day close. Traditional banks cannot meet this timeline."
Property Condition: "The property has severe fire damage and lacks a functional kitchen, making it ineligible for conventional financing until we complete the rehab."
Opportunistic Leverage: "We have the cash to buy this outright, but we are utilizing ABL lending to leverage our capital across three simultaneous projects."
Telling the lender exactly what happened and why you need their specific type of capital builds immediate trust and transparency.
2. The Borrower: Betting on the Jockey, Not Just the Horse
A raw application tells a lender your FICO score and your bank balances, but it tells them absolutely nothing about your grit, your local market knowledge, or your ability to manage a general contractor. Lenders inherently understand that real estate projects rarely go exactly to plan. Budgets run over, permits get delayed, and materials face supply chain shortages. They want to know who is steering the ship when the water gets rough. Your story should highlight your real-world experience:
How many flips or commercial renovations have you successfully completed in this specific neighborhood?
Do you have a dedicated, reliable team of contractors, or are you doing the work yourself?
Have you ever managed a rehab of this specific scope (e.g., structural foundation work vs. simple cosmetic updates)?
If you are a newer investor, your story must lean on the strength of your extended team (your general contractor, your real estate agent, your mentors) to prove you have the foundational support to execute the business plan.
3. The Property: Data Beyond the Spreadsheet
Numbers are static. A property profile might just say: "Built in 1965, 3 beds, 2 baths, 1,400 sq ft, poor condition." That looks terrible on a spreadsheet. Your narrative is what breathes life and potential into that data. You need to explain the vision for the property that a desktop appraisal cannot see:
The Neighborhood Nuance: Is the property located just two blocks away from a newly announced massive commercial development or tech campus?
The Value-Add Strategy: Are you adding a fourth bedroom by converting a massive, unused dining room? Are you adding an Accessory Dwelling Unit (ADU) in the backyard to double the rental income?
The Market Demand: Is there a severe shortage of updated, mid-tier housing in this specific school district, causing homes to sell in under 48 hours?
You are asking the ABL lending institution to risk its capital on the future state of the property. Your story must paint a crystal-clear picture of what that future looks like.
By writing a compelling Loan Purpose and Exit Strategy, you save yourself the time of repeating your pitch dozens of times to individual lenders. If you are seeking a short-term, interest-only loan, a solid exit strategy is non-negotiable. An asset-based lender is providing a short-term bridge loan (typically 6 to 18 months). They have zero interest in owning your property, and they do not want their capital tied up indefinitely.
If your exit strategy section just says "Refinance" or "Sell," it is not strong enough. You need to provide a tactical, well-thought-out plan for exactly how they are going to get paid back:
If Selling: "Upon completion of the 60-day rehab, the property will be listed for $450,000. Recent comps on the same street (123 Main St and 456 Elm St) sold for $465,000 in under 15 days. We expect to pay off the loan by Month 5."
If Refinancing (Buy-and-Hold): "Once the rehab is complete, the property will be leased at the market rate of $2,500/month. We have already spoken to a permanent DSCR lender who has pre-qualified us to refinance the short-term ABL lending facility into a 30-year fixed product once we show a signed lease and two months of seasoning."
Note: If you aren't sure how to phrase this, Lendersa® provides a built-in AI assistant right on the form to help you write a highly persuasive narrative that generates lender interest.
The Bottom Line: When you submit a loan request, do not force the underwriter to guess what you are doing. If they have to guess, they will simply say no. Use the narrative sections of your application to tell a concise, professional story that highlights your competence, justifies the loan, clearly defines the property's potential, and guarantees the ABL lending partner a safe, profitable exit.
Before you spend hours generating lists and blasting emails to lenders, you need a blunt reality check to see if your project is actually viable in today's market. Submit your completed loan request through the Lendersa platform first. This acts as your ultimate deal-breaker test and a rapid fundability check all rolled into one:
Pass: If you receive interest from 2 or more ABL lending firms, you are on your way—your deal has legs.
Fail: If no lenders reply, your request might be a dud. For example, if you want to buy a shopping center with no down payment and a 500 credit score, you are wasting your time.
If your deal fails the test, stop emailing. Use the Lendersa optimized loan tool to see what is wrong, correct it, or wait until your deal parameters improve. Hint: Almost all requests that go nowhere suffer from an LTV (Loan-to-Value) that is too high. Asset-based lenders care about equity. If your LTV is low enough, you will get hundreds of lenders knocking on your door.
It is 100% Free and Fast: Testing your loan scenario is confidential and takes only a few minutes.
Real Human Feedback: You will get actual ABL lending professionals contacting you—not an AI bot. A live underwriting professional will read your loan purpose, exit strategy, and specific deal details.
Instant Intel for Tweaking: When speaking with those first 2 to 3 lenders, you will quickly find out exactly what underwriters require in today's market. You can then tweak and perfect your loan request before starting any mass mailing campaign.
You Might Skip the Mailing Entirely: Lendersa’s network features some of the best private lenders in the country. If your scenario is strong, you may immediately find 10 highly qualified asset-based lenders ready to fund—allowing you to skip Step 3 completely.
Free Access to Premium Tools: Testing your loan unlocks free use of tools like Lendersa LoanCompare™ to analyze and compare quotes from any lender.
Centralized Management: You gain access to a customized dashboard to keep all your lender communications, rate negotiations, and secure document exchanges organized in one place.
Once your deal passes the fundability check, copy your loan request details and input them into your AI assistant using this prompt:
Prompt: "Act as an expert commercial real estate financing assistant. Analyze my attached Lendersa loan request and identify the 50 best-matching ABL Lending institutions that fit this exact scenario.
Important Property Asset Context:
The property type section contains multiple checkboxes representing a multi-use or complex commercial asset. Pay strict attention to all checked subcategories (e.g., 'Anchor', 'Restaurant', 'Service/Gas Station'). Match only with lenders whose risk appetite covers these selected collateral types.
Strict Filtering Rules:
Asset-Based Lenders Only: Focus strictly on ABL lending firms that underwrite based on property equity, DSCR, and ARV rather than strictly relying on personal W-2 income and standard credit scores.
Commercial Property Focus: Exclude lenders that strictly fund 1–4 unit owner-occupied properties. They must explicitly fund commercial multifamily (5+ units), mixed-use, industrial, office, agricultural, or special-use assets.
Output Deliverable:
Provide a clean, comma-separated list of all the matching underwriting/submission emails so I can immediately copy, paste, and blast out my loan request to all of them at once. Then, provide detailed lender profiles."
Now it is time to distribute your loan request. Keep in mind: top ABL lending firms receive hundreds of requests daily. If your deal doesn't fit their specific collateral guidelines, they simply won't reply. You have three ways to handle this:
Solution A (The Targeted Approach): Read each lender's profile and eliminate those whose guidelines don't match your project.
Solution B (The "Spaghetti on the Wall" Approach): Email everyone on your generated list and see who bites.
Solution C (The Smart Approach): Instead of manually emailing and managing spreadsheets, use your Lendersa Dashboard. The platform instantly matches and delivers your request strictly to asset-based lenders whose criteria align with your deal.
When an ABL lending underwriter is interested, they will reach out with specific, detailed questions. Be prepared to respond quickly. Using the Lendersa platform, you can seamlessly reply to lenders individually or message a group of interested lenders all at once, securely transferring any requested documents (LLC docs, scopes of work, appraisals).
Once the term sheets start rolling in, it is time to evaluate. Do not just look at the shiny interest rate. Create a detailed spreadsheet or use the Lendersa LoanCompare™ tool to analyze the ABL lending offers side-by-side. You need to meticulously compare the points, closing costs, underwriting fees, and—critically—the prepayment penalties.
Note: This step is only necessary if you completed your mailing and received zero replies, or only generated 1 or 2 scattered offers.
If you aren't getting many bites, it means you are facing one or both of the following problems:
Problem A: You haven't reached enough lenders.
If your loan matches standard equity underwriting criteria, a solid outreach list should yield about 10 interested lenders. Solution: You must email at least 50 contacts. Go back to Step 2, ask your AI to produce an additional 50 lenders, and repeat the mailing process.
Crucial Strategy Shift: It is also time to explicitly include brokers in your search. Brokers are incredibly valuable in the ABL lending world. They are connected to private money sources (like high-net-worth individuals and family offices) that you simply cannot reach on your own, and they can frequently beat an institutional lender's pricing.
Problem B: Your loan request is fundamentally broken.
If you expanded your list, included brokers, emailed over 50 contacts, and still got no replies—your deal does not match reality. Go back to the Lendersa optimized loan tool to diagnose the math. Your loan-to-value is likely too high for the perceived risk of the asset. You will need to increase your down payment or negotiate a lower purchase price.
Narrow your pile down to the top 3 or 4 proposals. ABL lending institutions want good paper backed by strong collateral. If you have a solid deal and multiple offers, let them know. Lenders can almost always shave a fraction off the rate, drop half a point, or remove minor underwriting conditions to win your business.
You’ve negotiated the best terms and selected your winning lender. But remember: The loan is not done until it is recorded and the money is in your account.
Things can and do go wrong. An appraisal might come in lower than expected, or an underwriter might find an issue with the property title. Because of this, never disconnect from your runner-up lenders. Keep two backup ABL lending offers warm so you can immediately pivot if needed.
To help you kickstart your search, here are 38 established ABL lending institutions that fund multi-family (5+ units), mixed-use, and commercial collateral.
Important Note on Collateral Scope: This article is about ABL lending specifically focusing on Real Estate. While the vast majority of these institutions are strictly Real Estate asset-based lenders, a select few boutique and opportunistic private funds have the capability to handle "mixed collateral" or "blended" facilities (cross-collateralizing real estate with business assets, corporate guarantees, or note hypothecation). We have explicitly noted this capability under the Security field for each profile. Keep in mind that a few lenders on this list can consider additional assets as security cases under a Mixed/ Blended Facility.
Our list includes only the top direct asset-based lenders. Why start with direct lenders? Contacting direct ABL lending firms is the smartest first move for any investor because it cuts out the middlemen. By going direct to the source of the capital, you bypass broker points, avoid inflated origination fees, and communicate directly with the underwriting team making the final decision, resulting in much faster closings.
However, we strongly recommend keeping asset-based hard money brokers as a safety net. If your deal has complexities that direct ABL lending firms reject, a well-connected broker can act as your ultimate backup plan. Brokers have deep Rolodexes filled with local family offices, private high-net-worth individuals, and boutique funds that do not advertise online. If the direct route fails, a broker can often get the loan funded when no one else can.
We have categorized these direct lenders by their Minimum Loan Amount so you can quickly find the private capital that fits the scale of your project.
(Note: To get the fastest response from underwriters at these institutions, use the
Best for smaller commercial acquisitions, localized fix-and-flips, and smaller multifamily properties.
Year Started: 2010 | Lender Type: Asset-Based
URL: limaone.com | Email: [email protected] | Phone: 800-390-4212
Lending Range: $50,000 - $20,000,000
Loan Duration: 13 to 24 months (Short-term) up to 30 years (Rental/Multifamily)
Specialize In: In-house underwritten fix-and-flip, new construction, multifamily value-add, and asset-backed rental portfolio loans. Security: Real Estate
Lending Territory: Nationwide. | Type of Properties: Single-family rental (SFR), 2-4 units, multifamily developments, and residential construction sites.
Year Started: 1998 | Lender Type: Asset-Based
URL: anchorloans.com | Email: [email protected] | Phone: 866-932-8411
Lending Range: $50,000 - $10,000,000
Loan Duration: 12 to 36 months (Bridge/Rental options vary)
Specialize In: High-volume fix-and-flip funding, ground-up construction loans, and short-term asset-based bridge financing. Security: Real Estate
Lending Territory: Nationwide. | Type of Properties: Residential investment properties, multifamily buildings, and commercial real estate assets.
Year Started: 2002 | Lender Type: Asset-Based
URL: dominionfinancialservices.com | Email: [email protected] | Phone: 855-888-5626
Lending Range: $50,000 - $10,000,000
Loan Duration: 12 to 24 months (Bridge) up to 30 years (Rental)
Specialize In: Investor-focused collateral programs including short-term bridge lines and 30-year rental DSCR programs. Security: Real Estate
Lending Territory: Nationwide. | Type of Properties: Non-owner occupied single-family, multi-family, rehab properties, and residential new construction.
Year Started: 2009 | Lender Type: Asset-Based
URL: capitalfund1.com | Email: [email protected] | Phone: 480-889-6100
Lending Range: $50,000 - $5,000,000
Loan Duration: 6 to 24 months
Specialize In: Asset-only, no-credit-check hard money loans with rapid 24-hour turnaround funding based purely on property equity. Security: Real Estate, Mixed/ Blended Facility
Lending Territory: Southwest (Arizona, Texas, and neighboring states). | Type of Properties: Fix-and-flip residential, commercial bridge assets, raw land, and construction properties.
Year Started: 2015 | Lender Type: Asset-Based
URL: rbiprivatelending.com | Email: [email protected] | Phone: 866-986-1212
Lending Range: $50,000 - $5,000,000
Loan Duration: 12 to 24 months
Specialize In: Short-term private money solutions focused strictly on asset equity rather than borrower credit. Security: Real Estate
Lending Territory: Regional with select national capability. | Type of Properties: Commercial real estate, multi-family complexes, and non-owner-occupied residential investments.
Year Started: 2010 | Lender Type: Asset-Based
URL: rcncapital.com | Email: [email protected] | Phone: 860-432-5858
Lending Range: $75,000 - $10,000,000
Loan Duration: 12 to 24 months (Bridge/Flip) up to 30 years (DSCR Rental)
Specialize In: Time-sensitive ABL lending bridge financing, fix-and-flip loans, and long-term collateral-driven rental loans. Security: Real Estate
Lending Territory: Nationwide. | Type of Properties: Single-family residential, 2-4 units, multifamily, mixed-use, and commercial properties.
Year Started: 2010 | Lender Type: Asset-Based
URL: abllending.com | Email: [email protected] | Phone: 201-942-9089
Lending Range: $75,000 - $5,000,000
Loan Duration: 12 to 24 months (Bridge/Flip) up to 30 years (Rental)
Specialize In: Consultative equity-driven ABL lending for quick-close fix-and-flips, new construction, and rental property acquisitions. Security: Real Estate
Lending Territory: East Coast and select national markets. | Type of Properties: Non-owner occupied residential, multi-family, mixed-use, and light commercial properties
Year Started: 2014 | Lender Type: Asset-Based
URL: lendingone.com | Email: [email protected] | Phone: 866-918-1936
Lending Range: $75,000 - $15,000,000
Loan Duration: 12 to 24 months (Bridge/Flip) up to 30 years (Rental)
Specialize In: Private lending utilizing an advanced digital platform for asset-driven fix-and-flip, rental, and multifamily financing. Security: Real Estate
Lending Territory: Nationwide. | Type of Properties: Residential 1-4 family investments, multifamily complexes, and ground-up new construction projects.
Year Started: 2008 | Lender Type: Asset-Based
URL: bridgewellcapital.com | Email: [email protected] | Phone: 407-447-5000
Lending Range: $75,000 - $5,000,000
Loan Duration: 12 to 36 months (Bridge) up to 30 years (Rental)
Specialize In: Equity investor financing for buy-and-hold strategies, rapid fix-and-flips, and commercial collateral scenarios. Security: Real Estate
Lending Territory: Select multi-state coverage. | Type of Properties: Single-family residential investments, multi-unit residential, and light commercial real estate.
Year Started: 2018 | Lender Type: Asset-Based
URL: newsilver.com | Email: [email protected] | Phone: 855-843-8472
Lending Range: $100,000 - $5,000,000
Loan Duration: 12 to 24 months (Bridge/Flip) up to 30 years (Rental)
Specialize In: Tech-forward real estate financing featuring instant term sheets based on property ARV and execution metrics. Security: Real Estate
Lending Territory: National. | Type of Properties: Single-family flips, multi-family investment properties, and ground-up residential construction.
Year Started: 1989 | Lender Type: Asset-Based
URL: geltfinancial.com | Email: [email protected] | Phone: 561-221-0900
Lending Range: $100,000 - $5,000,000
Loan Duration: 12 to 60 months
Specialize In: Common-sense non-bank commercial financing, customized bridge loans, and complex credit scenarios relying heavily on the asset. Security: Real Estate, Mixed/ Blended Facility
Lending Territory: Nationwide. | Type of Properties: Retail plazas, office spaces, multi-family buildings, mixed-use assets, and self-storage facilities.
Year Started: 2007 | Lender Type: Asset-Based
URL: socotracapital.com | Email: [email protected] | Phone: 855-889-7626
Lending Range: $100,000 - $15,000,000
Loan Duration: 6 to 60 months
Specialize In: Equity-driven hard money loans for distressed properties, equity-rich collateral, and time-critical bridge deals. Security: Real Estate, Mixed/ Blended Facility
Lending Territory: West Coast and national expansion markets. | Type of Properties: Industrial facilities, retail strip centers, mixed-use buildings, and non-owner occupied residential.
Year Started: 1993 | Lender Type: Asset-Based
URL: fairviewlending.com | Email: [email protected] | Phone: 303-459-6061
Lending Range: $100,000 - $3,000,000
Loan Duration: 12 to 120 months (1 to 10 years)
Specialize In: Appraisalless, rapid ABL lending with zero upfront fees and entirely in-house underwriting focused on real estate value. Security: Real Estate
Lending Territory: Regional focus with national capability. | Type of Properties: Unconventional commercial real estate, multi-family, mixed-use, and complex commercial assets.
Year Started: 1961 | Lender Type: Asset-Based
URL: merchantsmtg.com | Email: [email protected] | Phone: 303-773-3000
Lending Range: $100,000 - $5,000,000
Loan Duration: 12 to 24 months
Specialize In: Multi-decade relationship-based collateral lending, rehab lines of credit, and residential construction funding. Security: Real Estate, Mixed/ Blended Facility
Lending Territory: Regional and national footprint. | Type of Properties: Residential investments, single-family new builds, multi-family properties, and light commercial real estate.
Year Started: 2011 | Lender Type: Asset-Based
URL: renovofinancial.com | Email: [email protected] | Phone: 312-273-0963
Lending Range: $100,000 - $15,000,000
Loan Duration: 12 to 36 months (Bridge/Construction) up to 30 years (Rental)
Specialize In: Localized relationship lending featuring dedicated teams for asset-heavy real estate entrepreneurs and developers. Security: Real Estate
Lending Territory: Mid-West and national expansion regions. | Type of Properties: Non-owner occupied residential, multi-family investments, and ground-up construction developments.
Year Started: 2009 | Lender Type: Asset-Based
URL: ironbridgelending.com | Email: [email protected] | Phone: 503-225-0300
Lending Range: $100,000 - $10,000,000
Loan Duration: 12 to 24 months
Specialize In: Private money lending featuring consistent capital preservation and customizable equity-driven bridge terms. Security: Real Estate
Lending Territory: West Coast and select nationwide markets. | Type of Properties: Single-family flips, ground-up residential builds, and light commercial real estate assets.
Year Started: 2014 | Lender Type: Asset-Based
URL: expresscapitalfinancing.com | Email: [email protected] | Phone: 888-565-9477
Lending Range: $100,000 - $25,000,000
Loan Duration: 12 to 24 months (Bridge) up to 30 years (Rental)
Specialize In: Consultative ABL lending solutions including flexible commercial bridge loans and long-term portfolio financing. Security: Real Estate
Lending Territory: Nationwide. | Type of Properties: Multi-family assets, mixed-use buildings, non-owner occupied residential, and commercial properties.
Year Started: 2015 | Lender Type: Asset-Based
URL: conventuslending.com | Email: [email protected] | Phone: 800-960-8450
Lending Range: $100,000 - $10,000,000
Loan Duration: 12 to 24 months (Bridge) up to 30 years (Rental)
Specialize In: High-volume institutional-backed private bridge loans, value-add financing, and rental portfolio capital built on property metrics. Security: Real Estate
Lending Territory: National. | Type of Properties: Single-family residential rentals, multi-family investments, and residential rehab properties.
Year Started: 2016 | Lender Type: Asset-Based
URL: brickcitycapital.com | Email: [email protected] | Phone: 973-500-6600
Lending Range: $100,000 - $5,000,000
Loan Duration: 12 to 24 months
Specialize In: Fast-moving short-term private bridge funding for value-add and opportunistic real estate acquisitions. Security: Real Estate
Lending Territory: East Coast primarily. | Type of Properties: Residential fix-and-flips, commercial real estate assets, and mixed-use buildings.
Year Started: 2006 | Lender Type: Asset-Based
URL: parkplacefinance.com | Email: [email protected] | Phone: 866-407-1599
Lending Range: $100,000 - $10,000,000
Loan Duration: 12 to 24 months (Bridge) up to 30 years (Rental)
Specialize In: Portfolio private real estate financing, collateral-backed commercial bridge loans, and long-term rental holds. Security: Real Estate
Lending Territory: Nationwide. | Type of Properties: Non-owner occupied residential, commercial properties, and multi-family complexes.
Year Started: 2018 | Lender Type: Asset-Based
URL: constitutionlending.com | Email: [email protected] | Phone: 855-474-7224
Lending Range: $100,000 - $10,000,000
Loan Duration: 12 to 24 months (Bridge/Construction) up to 30 years (Rental)
Specialize In: Tech-driven ABL lending for fast-closing flips, ground-up construction, and equity bridge acquisitions. Security: Real Estate
Lending Territory: Nationwide. | Type of Properties: Residential 1-4 units, multi-family investments, and new construction developments.
Year Started: 2015 | Lender Type: Asset-Based
URL: lendterra.com | Email: [email protected] | Phone: 888-511-3650
Lending Range: $100,000 - $5,000,000
Loan Duration: 12 to 24 months
Specialize In: Asset-centric private financing featuring creative loan structures and prompt approvals for real estate entrepreneurs. Security: Real Estate
Lending Territory: National. | Type of Properties: Residential fix-and-flips, commercial bridge properties, and specialty real estate investments.
Year Started: 2016 | Lender Type: Asset-Based
URL: ajaxfunding.com | Email: [email protected] | Phone: 888-466-2529
Lending Range: $100,000 - $10,000,000
Loan Duration: 12 to 24 months
Specialize In: Streamlined short-term collateral-backed private financing designed to eliminate traditional banking friction. Security: Real Estate
Lending Territory: National. | Type of Properties: Commercial investments, residential bridge flippers, and ground-up new construction projects.
Year Started: 2013 | Lender Type: Asset-Based
URL: funding-365.com | Email: [email protected] | Phone: 888-500-1365
Lending Range: $100,000 - $5,000,000
Loan Duration: 12 to 24 months
Specialize In: Flexible asset-heavy bridge financing for any transitional scenario or real estate acquisition. Security: Real Estate, Mixed/ Blended Facility
Lending Territory: Nationwide. | Type of Properties: Commercial real estate properties, multi-family complexes, and non-owner-occupied residential investments.
Best for mid-sized commercial properties, ground-up developments, and regional portfolios.
Year Started: 2011 | Lender Type: Asset-Based
URL: wilshirequinn.com | Email: [email protected] | Phone: 866-575-5070
Lending Range: $200,000 - $20,000,000
Loan Duration: 6 to 36 months
Specialize In: Portfolio bridge financing with quick underwriting driven by collateral equity for time-sensitive real estate acquisitions. Security: Real Estate, Mixed/ Blended Facility
Lending Territory: West Coast primarily, select national. | Type of Properties: Commercial properties, multifamily assets, industrial spaces, and high-end residential investment properties.
Year Started: 2018 | Lender Type: Asset-Based
URL: ifundcities.com | Email: [email protected] | Phone: 844-243-8632
Lending Range: $250,000 - $15,000,000
Loan Duration: 12 to 24 months (Bridge/Construction) up to 30 years (Rental)
Specialize In: Alternative developer-focused capital, rapid digital term sheets, and flexible asset-driven construction funding. Security: Real Estate
Lending Territory: National urban and suburban growth markets. | Type of Properties: Multifamily developments, urban infill projects, new construction, and mixed-use assets.
Year Started: 2015 | Lender Type: Asset-Based
URL: amzacapital.com | Email: [email protected] | Phone: 800-756-3406
Lending Range: $250,000 - $50,000,000
Loan Duration: 12 to 36 months
Specialize In: Asset-centric commercial ABL lending and creative collateral loans for non-conforming borrowers. Security: Real Estate, Mixed/ Blended Facility
Lending Territory: Nationwide. | Type of Properties: Unique commercial assets, retail, industrial properties, and multi-family real estate.
Year Started: 2012 | Lender Type: Asset-Based
URL: firstbridgelending.com | Email: [email protected] | Phone: 415-813-2868
Lending Range: $500,000 - $20,000,000
Loan Duration: 12 to 24 months
Specialize In: Private capital bridge loans for time-sensitive acquisitions and property flips using asset-heavy underwriting. Security: Real Estate
Lending Territory: California and West Coast. | Type of Properties: Residential investment properties, multi-unit complexes, and short-term commercial assets.
Year Started: 2004 | Lender Type: Asset-Based
URL: centurycapitalfinance.com | Email: [email protected] | Phone: 201-525-1000
Lending Range: $500,000 - $25,000,000
Loan Duration: 12 to 36 months
Specialize In: Privately funded short-term commercial capital featuring asset-driven underwriting and quick closings. Security: Real Estate, Mixed/ Blended Facility
Lending Territory: Nationwide. | Type of Properties: Unconventional commercial spaces, office buildings, retail centers, and multi-family complexes.
Need a Mid-Market Commercial Quote Today? Stop wasting time on hold.
Best for institutional-scale deals, major multi-family complexes, industrial parks, and high-value bridge scenarios.
Year Started: 2008 | Lender Type: Asset-Based
URL: bloomfieldcapital.com | Email: [email protected] | Phone: 877-690-7111
Lending Range: $1,000,000 - $20,000,000
Loan Duration: 12 to 36 months
Specialize In: Institutional-grade ABL lending capital, recapitalizations, debt acquisitions, and distressed real estate deals. Security: Real Estate, Mixed/ Blended Facility
Lending Territory: Nationwide. | Type of Properties: Major commercial real estate classes, multifamily, retail, office, industrial, and hospitality.
Year Started: 2003 | Lender Type: Asset-Based
URL: avatarfinancial.com | Email: [email protected] | Phone: 800-870-7510
Lending Range: $1,000,000 - $35,000,000
Loan Duration: 12 to 36 months
Specialize In: Discretionary pool-funded commercial private money for non-conforming real estate transactions requiring rapid execution. Security: Real Estate
Lending Territory: Nationwide. | Type of Properties: Transitional commercial properties, hotel/hospitality, specialized industrial, and retail assets.
Year Started: 2015 | Lender Type: Asset-Based
URL: nvcap.com | Email: [email protected] | Phone: 800-567-9661
Lending Range: $1,000,000 - $10,000,000
Loan Duration: 12 to 36 months
Specialize In: Boutique localized asset-based real estate bridge loans, development financing, and land acquisitions. Security: Real Estate, Mixed/ Blended Facility
Lending Territory: Nevada. | Type of Properties: Commercial real estate, multi-family buildings, vacant land, and urban redevelopment projects.
Year Started: 2012 | Lender Type: Asset-Based
URL: silverarchcp.com | Email: [email protected] | Phone: 201-254-0650
Lending Range: $1,000,000 - $50,000,000
Loan Duration: 12 to 36 months
Specialize In: Large-scale collateral bridge loans, distressed asset acquisitions, and financial rescue capital. Security: Real Estate, Mixed/ Blended Facility
Lending Territory: Nationwide. | Type of Properties: Major commercial asset classes, hotels, industrial spaces, retail plazas, and land developments.
Year Started: 2014 | Lender Type: Asset-Based
URL: westbaycapital.com | Email: [email protected] | Phone: 310-231-1270
Lending Range: $1,000,000 - $25,000,000
Loan Duration: 12 to 24 months
Specialize In: Private portfolio ABL lending utilizing discretionary capital for immediate property liquidity based on value. Security: Real Estate, Mixed/ Blended Facility
Lending Territory: Western United States primarily. | Type of Properties: Commercial properties, multi-family investments, and high-end residential investment real estate.
Year Started: 2010 | Lender Type: Asset-Based
URL: prescientcapital.com | Email: [email protected] | Phone: 262-646-5500
Lending Range: $1,000,000 - $20,000,000
Loan Duration: 12 to 36 months
Specialize In: Institutional private debt fund collateral financing for highly complex, non-traditional commercial deals. Security: Real Estate, Mixed/ Blended Facility
Lending Territory: Nationwide. | Type of Properties: Transitional commercial real estate, multi-family complexes, industrial properties, and special-use structures.
Year Started: 2013 | Lender Type: Asset-Based
URL: iborrow.com | Email: [email protected] | Phone: 310-553-1598
Lending Range: $2,000,000 - $50,000,000
Loan Duration: 12 to 36 months
Specialize In: Flexible middle-market equity bridge financing for transitional assets and property repositioning. Security: Real Estate
Lending Territory: Nationwide. | Type of Properties: Office buildings, retail centers, industrial parks, warehouse spaces, and multifamily complexes.
Year Started: 2015 | Lender Type: Asset-Based
URL: pendercapital.com | Email: [email protected] | Phone: 310-853-2336
Lending Range: $2,000,000 - $30,000,000
Loan Duration: 12 to 36 months
Specialize In: Middle-market institutional collateral bridge financing, debt restructuring, and transitional real estate capital. Security: Real Estate
Lending Territory: Nationwide. | Type of Properties: Multifamily buildings, office properties, industrial parks, and retail commercial assets.
Year Started: 2014 | Lender Type: Asset-Based
URL: money360.com | Email: [email protected] | Phone: 949-540-9100
Lending Range: $3,000,000 - $30,000,000
Loan Duration: 12 to 60 months
Specialize In: High-leverage bridge-to-permanent commercial ABL lending structures based on property strength. Security: Real Estate
Lending Territory: Nationwide. | Type of Properties: Multifamily assets, retail buildings, industrial facilities, self-storage, and office real estate.
Ready to Secure Institutional Capital? Don't shop your multimillion-dollar deal blindly.
Navigating the world of commercial ABL lending can feel like learning a new language. To help you finalize your capital strategy and confidently choose the right partner, we have compiled answers to the most common questions investors ask about asset-based lenders and collateral types.
Q. What is the difference between asset-based lenders and Hard money lenders?
A. In commercial real estate, these terms are often used interchangeably, but there is a distinct difference. Hard money is actually a specific, short-term subset of asset-based lending. "Hard money" traditionally refers to expensive, short-term bridge capital used to acquire distressed properties or fund rapid fix-and-flips. "Asset-based lending" (ABL lending) is a much broader category. It includes short-term hard money, but it also encompasses long-term commercial financing—such as 30-year DSCR (Debt Service Coverage Ratio) rental loans—where the lender underwrites the property's long-term cash flow and equity rather than its quick liquidation value.
Q. Can a bank or credit union lend money based on assets?
A. Yes, traditional banks and credit unions offer commercial asset-based loans, but there is a massive catch: they are heavily regulated. Even if your commercial asset has massive equity and incredible cash flow, a conventional bank or credit union will still heavily scrutinize your personal tax returns, debt-to-income ratios, global cash flow, and FICO scores. If you have a messy tax return or a recent credit ding, a bank will reject the loan despite the strong asset. Private ABL lending institutions bypass these strict personal credit hurdles to focus almost entirely on the collateral.
Q. Can an asset-based lender take other assets as collateral?
A. Absolutely. One of the biggest advantages of working with private commercial ABL lending teams is their flexibility to "cross-collateralize." If the primary property you are purchasing or refinancing doesn't have enough equity to justify the loan amount you need, many asset-based lenders will allow you to pledge the equity from a completely different property you already own to secure the deal.
Q. Why should I consider a Mixed/ Blended Facility?
A. Utilizing a blended facility offers significant strategic advantages if you operate an active business alongside your real estate portfolio. The key benefits of combining assets include: