201-942-9089 info@abl1.net


Fix and Flip, New Construction, And Rental Loans In Ohio

Asset Based Lending is the premier hard money lender for the state of Ohio, boasting over twelve years of lending experience and over $1 Billion in loan originations. We provide 12-month interest-only bridge loans for fix and flips and new construction, as well as cash out/refinances and loans for rental property. Our goal is to help real estate investors scale their business quickly and effectively, providing reliable hard money loans across a variety of real estate asset classes. Each program has its own lending criteria, but they all come with the five-star service that Asset Based Lending is known for. As investors ourselves we developed our loan process to be fast and efficient, closing loans as fast as two days with the appropriate paperwork, so our borrowers never miss an opportunity.

We operate as a direct hard money lender with full control of our capital, allowing us to use flexible underwriting to tailor each loan to match your specific needs, whether you’re looking for the lowest interest rate, maximum leverage, zero points, or something else. The ABL team are experts in local real estate markets, understanding that a fix and flip loan in Cleveland needs to be handled differently from a new construction loan in Columbus. Whether you’re looking to partner with a long-term lender to scale your real estate business, or another lender dropped the ball and you need to close quickly, Asset Based Lending is here to help. Contact us today to discuss how ABL can finance your next success.

The Best Ohio Private Hard Money Lenders

Asset Based Lending started as a local hard money lender in Jersey City, New Jersey back in 2010. Over 12 years and $1.3 Billion in projects funded later, ABL is now the premier direct lender for real estate investors in Ohio and beyond. Our team partners with the best local appraisers, attorneys, and title agents in the Buckeye State to ensure our borrowers receive a five-star experience from their first phone call to their final loan payoff. We work side by side with our borrowers to help them scale their business fast, providing them the capital needed to finish their projects and expand to new ones in the blink of an eye.

ABL specializes in quick closings and flexible underwriting, allowing us to close more deals than your average lender and work with a wider variety of investors. Since we focus on the asset and deal at hand, we’re able to work with investors of all experience levels, whether its your first fix and flip in downtown Cincinnati or you’re looking to use the BRRRR method with rental property in Columbus. Our approach is doc light, meaning we don’t need proof of income or other invasive financial documentation- just some basic proof of liquidity and credit score is all we need to approve your hard money loan in Ohio. With a smooth, transparent loan process from start to finish that has led to hundreds of five star reviews, its easy to see that Asset Based Lending is the best hard money lender in Ohio. If you’re ready to be approved for your real estate investment loan, then contact us today.

Prequalify Today

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

Asset Based Lending loan officer
Seth Blumenthal
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 Ohio, pending property and borrower underwriting

Ohio Hard Money Lenders
Seth Blumenthal
Loan Officer

Seth has been involved in private capital industries for 20 years, becoming an expert in finance and lending. For the last 7 years, he has been helping real estate investors finance their projects, with a strong focus on speedy closings. Seth specializes in building strong relationships, analyzing deals, and quickly determining suitability for his clients.

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.
OH Real Estate Market Highlights



+12% YOY, March 2022


32 Days

March 2022








+ 16%

December 2021



+25% YOY Increase, Q2 2021

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

Ohio Hard Money Loans For Real Estate Investors

Fast Closing Fix and Flip Loans

Asset Based Lending works with real estate investors that know how to take the worst property in the best neighborhood and turn it into a gorgeous home that sells for a much higher value. These types of fix and flips require fast and flexible financing to remain competitive in the market, especially with housing inventory at an all-time low. We offer 12-month interest-only bridge loans that help real estate investors finance the purchase and rehab of the property. ABL flip loans provide funding up to 90% of the property purchase and 100% of the rehab costs. Whether you’re working on your first Ohio fix and flip or you’re a full-time pro looking for additional capital, ABL is ready to finance your next success. Our team are experts in the local real estate markets, understanding that a rehab loan for a Columbus multifamily needs to be written than a single family fix and flip loan in Cincinnati.

As direct hard money lenders in Cincinnati and more areas in Ohio, we have full control of our capital which allows us to offer flexible fix and flip loans. That means our borrowers can receive a loan that matches their investment strategy, whether that means a lower interest rate, maximum leverage, zero points, or something else that fits your business model. These rehab loans are designed for Ohio real estate investors to scale, increasing their number of flips per year and more important increasing their profit potential year over year. The more deals you do with Asset Based Lending, the better terms we can offer you, which means you can maximize your ROI by working with us. If you’re ready to grow your fix and flip business using the best Ohio hard money loans, then contact us today.

Reliable New Construction Loans for Experienced Investors

Record-low housing inventory is an issue across the country, and Ohio is no different. There’s currently only a two month supply of inventory in the Ohio market- for reference, a real estate market is considered healthy and balanced if it maintains a minimum of three month supply of inventory. Builders and developers have an advantage over other real estate investors, as their projects are able to fill these inventory gaps in markets where demand is continuing to rise. Central Ohio is actually one of the most underbuilt metro areas in the country, meaning experienced builders who can secure lots in the area will be providing a great service to the market while reaping the rewards of rising house prices.

Asset Based Lending offers new construction loans for experienced builders and developers that want to scale their business. Our hard money new construction loans are only available to experienced investors, builders, and contractors who have recent experience with new construction. These new construction loans allow investors to borrow up to 90% of the land value and 100% of the construction costs. These bridge loans are designed to close quickly and provide the capital needed for new construction projects to to be acquired, completed, and sold in one streamlined process. If you’re looking for Ohio new construction loans that can help you grow your real estate business, then contact us today.

Rental Loans For BRRRR Investors

Investing in rental property has become one of the most popular and accessible real estate investments, as it has a lower barrier to entry cost and is achievable for investors of all experience levels. Asset Based Lending provides simple and reliable rental loans that allows real estate investors to buy and hold properties across popular Ohio markets. Our rental loans start as low as 6.875% with leverage up to 80% and a variety of options to match your investment strategy. We provide rental loans for properties between 1 and 9 units across different housing types such as multifamily, condos, townhomes, single apartments, etc. ABL can work with you around your investment strategy to ensure that you receive a rental loan that matches your business plan.

These rental loans are designed for investors utilizing the BRRRR strategy, whether you’re just starting out with your first rental property or you have a current portfolio that you’re looking to expand. With a single loan cap of $3M  and portfolio loan cap of $6.25M, we can help investors who are at different points of their investment business. ABL rental loans can be used for various lease lengths as well, meaning investors could use these as Airbnb loans if that matches their end goal. If you’re ready to grow your real estate business with our Ohio 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.