201-942-9089 info@abl1.net


Fix and Flip, New Construction, Cash Out/Refinance

For private, hard money loans in Maryland, Asset Based Lending, LLC (ABL) is your premiere choice. As direct private lenders in Maryland, we have been working with real estate investors in Maryland since 2011. Starting in Baltimore City and County ABL expanded to Anne Arundel, Cecil, Charles, Harford, Howard, Montgomery, and Prince George counties. If you’re looking for the Maryland hard money lenders that MD investors prefer, you’ve come to the right place.

We provide 12-month, interest-only bridge financing for the following programs: Fix and FlipNew Construction, and Cash Out/Refinance. For buy and hold investors, we offer term rental loans.

Private Hard Money Lenders In Maryland

At ABL, we provide asset-based loans to beginners and experienced investors for non-owner-occupied residential real estate that is being purchased, renovated and rehabbed. As private lenders in Maryland, our loans may offer advantages that exceed conventional financing options.

With a dedicated loan officer servicing the state of Maryland, coupled with the local relationships we have established with service providers in your area, ABL’s private money lending in Maryland can arm you with a real estate team of community businesses to support your project.

Prequalify Today

Prequalify for your loan today or call us at (201) 942-9089. Preliminary approval from the most reliable hard money lender in MD within 24 hours. Get started on your next project:

Hard Money Loan Officer in Maryland
Michael Chadwick
VP of Lending, New England

(201) 942-9089sales@abl1.netView Bio

ABL Lends in:
Anne Arundel, Baltimore, Baltimore City, Cecil, Charles, Harford, Howard, Montgomery, Prince George
Michael Chadwick
VP of Lending, New England

Michael Chadwick joined Asset Based Lending as a Vice President and Area Manager in December 2020, bringing with him over 20 years of real estate and financial services experience in the New England area. Prior to ABL, Michael was responsible for developing and directing the day to day operations for a private lender in the north east where he led the origination and underwriting of over $150 million in loans across 5 states. In addition to Michael’s hard money lending and commercial finance background, Michael has hands on experience as a real estate investor having led a private investment firm through the acquisition and renovation of approximately 150 homes throughout New England. Michael is an expert in managing hard money loans for real estate, with experience in assets ranging from single-family fix and flips to 7-figure multi-family new construction projects and everything in between. His skillset spans many aspects of real estate lending including underwriting, property valuation and analysis, and even construction draw management. His dedication and personal touch have cultivated strong business relationships with his borrowers throughout the years, meshing perfectly with ABL’s lending culture.

Success Story
Upper Marlboro, MD
Light rehab of single family detached home in suburban stable neighborhood.
Purchase Price:
Renovation Budget:
Loan Amount:
Loan Structure:
12 Months Interest Only
Sale Price:

Hassle-Free Hard Money Loans In Maryland

Fast Fix And Flip Financing

Turning a problem property and transforming it into a beautiful, sale-ready home takes skill. It also takes money to acquire the property and do the remodel work. Home fix and flip loans are the key to profitability and leverage in this scenario, and these real estate investor loans have always been a primary focus for ABL as residential hard money lenders in Maryland. We primarily provide 12-month loans to experienced investors and professionals, but we do lend to qualified first-time borrowers as well.

Speed is critical to capitalizing on incredible investment opportunities. As private money lenders in Maryland, ABL provides financing solutions that typical lending institutions cannot. We can close in three to four days if all of the paperwork is in order, and the average closing time is 10 days for our loans — which cover up to 85% of the purchase price and 100 percent of the rehab costs. Click here for more details about rates and requirements for home fix and flip loans in Maryland.

New Construction

Seasonal and market conditions in Maryland can dictate a need for quick and flexible underwriting for new construction as well. ABL’s hard money lenders provide new construction loans in Baltimore, MD and surrounding counties when conventional financing is not the right answer. New construction loans are available only to experienced investors, contractors, and builders, who typically can borrow up to 70% of the land value and 100 percent of the construction costs.

Asset Based Lending’s new construction loans are flexible, with no minimum credit score requirements, borrowers can be sure of our faith in them because we won’t fund a hard money loan if our experience doesn’t convince us that everyone involved in the deal will profit. Click on our New Construction link for more details about rates and requirements for these 12-month loans.

Maryland Rental Loans

Asset Based Lending offers term rental loans for real estate investors in Maryland. These private rental loans in MD are perfect for buy and hold investors that want to add 1-4 family properties to their portfolio. Our terms are borrower-friendly with rates starting at 6.875% and leverage up to 80% LTV. We offer a variety of loan options to best match your goals including 30-year amortization, ARM, or interest-only. ABL works with investors of all experience levels, whether you’re looking to secure your first rental property or continue growing your portfolio with many rental properties in Maryland.

Our unique capital structure allows us to lend on single rental loans up to $3M and rental portfolio loans up to $3M. We pride ourselves on delivering a five-star experience to our borrowers by working with only the best local appraisers, title agents, and attorneys. With the BRRRR method of investing becoming so popular, we wanted to provide our own version of BRRRR loans for our borrowers. If you’re ready to apply for the best rental loans Maryland has to offer, then contact us today.

Why Choose ABL?

We are Local Private Hard Money Lenders

  • We understand your local real estate conditions
  • We use local appraisers, title agents and closing attorneys

We are a Direct Lender

  • We use our in-house money to fund your loans
  • We directly control our approvals and closings

We are Reliable and We Close Fast

  • Preliminary approval in 24 hours
  • Close in 7-10 days

We Manage the Draw Process Efficiently & Quickly

  • We help create and approve your draw schedule
  • We use local inspectors to assess your progress
  • We quickly release your funds when an inspection is approved

Asset Based Lending, LLC was founded in 2010 and is a leading local source of hard money in the residential real estate market. We have consistently received praise from our borrowers who emphasize our quick, hassle-free closings, favorable terms, and creative financing solutions.

Fill out our Pre-Qualification form to start the process.