201-942-9089 info@abl1.net


Fix and Flip, New Construction, Cash Out/Refinance For Kentucky Real Estate Investors

Asset Based Lending is the premier Kentucky hard money lender, bringing over a decade of loan experience and thousands of projects funded for a totaling $2B. We offer hard money loans for fix and flips and new construction, as well as cash out refinances and term rental loans. ABL specializes in quick closings, approving loans as fast as 24 hours and closing as little as two days with the appropriate paperwork. We focus on flexible underwriting to provide a variety of hard money loan options to best suit your project, whether you’re looking for lowest interest rate, maximum leverage, zero points, or something else.

ABL loans are fully serviced in-house, from the underwriting to the draw management, guaranteeing every ABL borrower a five-star experience from the first call to the final payoff. Our team are experts in local KY real estate, understanding the investment needs of a fix and flip in Louisville are much different than a Lexington new construction loan. Fast closings, flexible underwriting, local knowledge, and a streamlined loan process- that’s the ABL Difference. Contact us today to be approved for your Kentucky hard money loan.

The Most Reliable Hard Money Lender in Kentucky

Asset Based Lending started in 2010 as a local hard money lender in Jersey City, New Jersey. After ten years and $2B in projects funded, ABL is now the premier direct lender for real estate investors across the country. As trusted and experienced lenders, we pride ourselves on the strong business relationships we’ve built with the best local appraisers, attorneys, and title agents in the Kentucky real estate markets. These relationships help us deliver a smooth and easy loan process from start to finish, so you can focus on your project while we focus on everything else.

As investors ourselves, we understand what borrowers need to close their loans and complete a successful real estate investment. ABL uses flexible underwriting and quick closings to provide the most reliable hard money loans for KY real estate investors. We value transparency, with no hidden fees or surprise costs at any point of the loan and direct access to decision makers whenever you have a question or concern. With s and more than half of our borrowers returning for repeat business, its clear that Asset Based Lending is the best hard money lender Kentucky has to offer.

Prequalify Today
Get approved for your next project, or learn more about our various loan programs in Kentucky below:

Maryem Haddoumi
Loan Officer

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

Torin Francis
Loan Officer

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

ABL Lends in:
ABL lends in all of non-rural Kentucky, pending property and borrower underwriting

Kentucky hard money lender
Maryem Haddoumi
Loan Officer

Coming Soon.

Torin Francis
Loan Officer

Coming Soon.

“They’re more than just a lender to me,

They’re a partner of mine.”

Harry went from first-timer to full time real estate investor with ABL by his side. Hear his story and see what The ABL Difference can do for you.

KY Real Estate Market Highlights



+14% YOY, March 2022


14 Days

April 2022


+ 97%

YOY Increase, 2020 – 2021





+ 7.1%

2010 – 2020



+5% YOY Increase, Q1 2022

Recently Funded Projects

Avon North Carolina New Construction

Borrower Profile: Repeat Borrower – Experienced Investor
Work Description: New Construction – Single Family + Guest House
Purchase Price: $419,000
Construction Budget: $754,000
Loan Amount: $997,000
Loan Purpose: Land Purchase & New Construction
ARV: $2,483,000

Cape Coral, FL Cash Out & Construction

Borrower Profile: First-Time Borrower – Experienced Real Estate Investor
Work Description: New Construction – 3 Single-Family Homes
Purchase Price: $285,000
Renovation Budget: $579,793 (Construction)
Loan Amount: $735,000
Loan Purpose: Cash Out & New Construction
ARV: $1,216,000

Smoke Rise, GA Fix & Flip

Borrower Profile: Repeat Borrower – Full-Time Real Estate Investor
Work Description: Gut Renovation — Single-Family Detached
Purchase Price: $667,000
Renovation Budget: $201,000
Loan Amount: $753,500
Loan Purpose: Purchase & Rehab
ARV: $1,130,000

Summerville, South Carolina Fix & Flip

Borrower Profile: Repeat Borrower – Full-Time Real Estate Investor
Work Description: Cosmetic Renovation — Single-Family Detached
Purchase Price: $165,000
Renovation Budget: $74,500
Loan Amount: $214,000
Loan Purpose: Purchase & Rehab
ARV: $370,000

Kentucky Hard Money Loans For Real Estate Investors

Fast And Reliable Fix & Flip Loans

Asset Based Lending works with Kentucky real estate investors that understand the fundamentals of fix and flips, turning the worst house in the best neighborhoods into desirable properties. Most investors don’t have the capital to fund these major acquisitions and renovations, so they work with private hard money lenders in Kentucky to finance their projects and hit the ground running. These 12-month interest-only bridge loans are designed to help fix and flip investors finance the purchase and rehab of the properties before selling it for a profit and paying off their loan ASAP. With no prepayment penalties or hidden fees, ABL flip loans help borrowers keep more of their money and allow them to scale their real estate business quickly and effectively.

Whether you’re working on your first fix and flip in Lexington or you’re a seasoned professional flipping multiple properties in Louisville, Asset Based Lending is here to help. These fix and flip loans provide up to 90% of property purchase price and 100% of the rehab costs, with interest rates starting as low as Click to learn more about our Kentucky fix and flip loans.

New Construction Loans for Experienced Investors & Developers

With housing inventory reaching record lows across the state of Kentucky, now is the best time for real estate investors looking to finance their new construction project. Our hard money new construction loans allow investors to borrower up to 90% of the land value and 100% of construction costs, with interest rates starting as low as 9.99%–15%. These loans are designed for experienced investors and builders to scale their real estate business quickly, using fast and reliable funding for their projects.

ABL uses flexible underwriting to provide unique construction loans that are tailored to match your specific project, whether you’re looking for maximum leverage, lower interest rates, zero points, or something else. We assess the investor’s experience level and viability of the proposed build to ensure the deal is profitable for all parties. Click here to learn more details about our KY new construction loans.

Kentucky Rental Loans for Real Estate Investors

Asset Based Lending offers the most reliable and straightforward rental loans Kentucky has to offer. These private rental loans are meant for buy and hold investors that want to secure 1-4 family properties. We offer competitive terms with rates starting as low as 5.75% with leverage up to 80% LTV. Our goal is to provide the most flexible rental loan options to our borrowers including 30-year amortization, ARM, and interest-only options.

ABL’s unique capital structure allows us to provide single rental loans up to $3M and rental portfolio loans up to $6.25M. We offer these loans to investors of all experience levels, assessing each deal based on the income-producing viability of the property. Our team are experts in the local real estate markets and are focused on delivering a five-star experience to each of our borrowers. If you’re ready to grow your real estate business with our Kentucky rental loans, 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.