201-942-9089 info@abl1.net

North Carolina

Hard Money Loans North Carolina Investors Rely On

Asset Based Lending is the premier hard money lender for North Carolina real estate investors, providing 12-month bridge loans for fix and flips & new construction projects as well as cash out refinances and term rental loans. Our team specializes in closing deals quickly so you never miss an investment opportunity, approving loans in 24 hours and providing funding in 10 days or less. With full control of our capital and an in-house underwriting and draw management team, we provide a streamlined loan process from start to finish so you can focus on your investment and leave the financing to us. We tailor loans to match your specific project so you can have the most successful investment possible. Are you looking for lower interest rates, maximum leverage, or zero points? ABL can write loans to match any of those needs.

ABL was built by investors for investors, so we understand the speed and reliability needed to secure a profitable deal. Our hard money lenders in North Carolina work with investors of all experience levels, whether you’re working on your first fix and flip in Charlotte or acquiring a multi-family rental portfolio in Durham. We pride ourselves on our hundreds of five-star reviews and the fact that more than half of our borrowers return for repeat business, using ABL to scale their real estate business quickly and efficiently. Once you experience the ABL difference, you’ll never use another North Carolina hard money lender.

The Premier Choice For Hard Money Loans In North Carolina

Asset Based Lending first formed in 2010, starting as a hard money lender for the New Jersey and growing into the premier choice for hard money loans throughout the east coast. Borrower demand in North Carolina allowed us to expand our services to the state, offering hard money loans in each county and helping investors secure opportunities from Greensboro to Southport. Our team are experts in the local real estate markets, understanding that a Raleigh fix and flip will be written differently than an Asheville new construction project, delivering a seamless loan experience every time.

As trusted and experienced hard money lenders in Raleigh, NC, Charlotte, NC and surrounding counties, we pride ourselves on the business relationships we built with the best local appraisers, attorneys, and title agents in the North Carolina real estate industry. These strong relationships help us provide the best loan servicing amongst NC hard money lenders, which is how we’ve been able to fund over $2B in real estate investments since 2010. ABL is dedicated to delivering a five-star service for every single borrower, so contact us today to be approved for your NC hard money loan.

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

Andrew Whitmire
VP of Lending, Carolinas

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

ABL Lends in:
ABL offers hard money loans throughout all of North Carolina including Mecklenburg County, Wake County, Guilford County, Forsyth County, Cumberland County, & Durham County
Andrew Whitmire
VP of Lending, Carolinas

Andrew is a seasoned professional with a background in lending, banking, and strategic marketing across North and South Carolina. Prior to joining ABL, he successfully produced and managed a team of loan officers focused on broker onboarding at a nationwide lender, spearheading loan data analysis and trade show campaigns. Andrew has a BA in Business Administration from Furman University and played a pivotal role in launching a student program by Gallup’s StrengthsQuest assessment, now integrated with incoming student orientation. Beyond his work in private lending, Andrew enjoys reading, traveling, and spending time with his partner and rescue dog.

Success Story

Orange, NJ
Gut Renovation – Two Family
Purchase Price:
Renovation Budget:
Loan Amount:
Loan Structure:
12 Months Interest Only

North Carolina Hard Money Loans for Real Estate Investors

Fast Financing for Fix and Flips

Asset Based Lending is proud to work with real estate investors that know how to transform a distressed or mundane property into a beautiful home and sell it for a higher value. We understand that most people don’t have the capital to fund these major investments, so we offer our hard money fix and flip loans to both new and experienced real estate investors. These 12-month interest-only bridge loans allow investors to acquire property and begin renovations using the most competitive rates on the market. Whether you’re flipping single family homes or multi family homes, our hard money flip loans can be underwritten to match any investment project.

Our team are experts in real estate investments and work tirelessly to ensure you never miss out on a deal. ABL offers loan approval as fast as 24 hours and closes deals in just a few days with the appropriate paperwork. ABL flip loans provide funding up to 85% of property purchase price and 100% of the rehab costs. Click here to learn more about our North Carolina fix and flip loans.

Flexible New Construction Loans

North Carolina is experiencing record-low house inventory, which means demand for residential new construction is reaching an all-time high. ABL provides hard money loans for new construction to real estate investors that require competitive interest rates, flexible underwriting, and fast draw turnarounds. Our North Carolina new construction loans are only available to experienced investors, contractors, and builders who can borrow up to 70% of the land value and 100% of the construction costs.

Our team tailors these new construction loans in North Carolina to fit each individual project. ABL assesses the investor’s experience level and viability of the property to ensure the deal is profitable for all parties. Click here to learn more details about our NC new construction loans.

Rental Loans For BRRRR Investors

Asset Based Lending offers the most reliable and straightforward rental loans for BRRRR investors that North Carolina has to offer. These private rental loans are meant for buy and hold investors that want to secure or refinance 1-4 family properties. We offer competitive terms with rates starting as low as 6.875% 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 North Carolina 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.