201-942-9089 info@abl1.net

The Premier Texas Hard Money Lenders

Join thousands of real estate investors across the country that
trust ABL to be their lending partner.

Local Texas team
Home of the Zero-Point Loan
Close in 2 weeks or less
Fix & Flips, New Construction, Rentals, & Multi-Family
Up to 90% LTC
100% construction/rehab financing
Direct balance sheet lender
One-stop-shop for BRRRR loans

Finance Your TX Investment Property

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Fix and Flip, New Construction, Cash Out/Refinance

Asset Based Lending is the premier Texas hard money lender, bringing over a decade of loan experience and thousands of projects funded for a totaling over $1 Billion. We offer hard money loans in Texas 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’s hard money loans in Texas 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 Texas real estate, understanding the investment needs of a fix and flip in Dallas are much different than a Houston new construction loan. Whether you’re a new investor working on their first fix and flip in San Antonio or an experienced investor growing their Austin rental portfolio, ABL is ready to partner with you. Fast closings, flexible underwriting, local knowledge, and a streamlined loan process- that’s the ABL Difference. Contact us today to be approved for your Texas hard money loan.

The Most Reliable Private Hard Money Lenders in Texas

Asset Based Lending started in 2010 as a local hard money lender in Jersey City, New Jersey. After ten years and $1 Billion in projects funded, ABL is now the premier direct lender for real estate investors across the country. As trusted and experienced Texas hard money lenders for investors in Dallas, Houston, Austin, San Antonio, and more cities, we pride ourselves on the strong business relationships we’ve built with the best local appraisers, attorneys, and title agents in the Texas 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 Texas 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 hundreds of five-star reviews and more than half of our borrowers returning for repeat business, its clear that Asset Based Lending is the best hard money lender Texas has to offer.

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

Scott Ward
Regional SVP

(201) 942-9090sales@abl1.netView Bio

Brent Brentham
VP, Lending

(201) 942-9090sales@abl1.netView Bio

ABL Lends in:
ABL lends in all of Texas, pending property and borrower underwriting

hard money lenders in Texas
Scott Ward
Regional SVP

Coming soon.

Brent Brentham
VP, Lending

Coming soon.

TX Real Estate Market Highlights



+20% YOY, January 2022


32 Days

November 2021


+ 14%

YOY Increase, November 2021


+ 24%

Austin, TX (Top 5 City In US)


+ 16%

December 2021



+25% YOY Increase, Q2 2021

Recently Funded Hard Money Loans In Texas

Rockwall, TX New Construction

Borrower Profile: First Time Borrower — First Time Real Estate Investor
Work Description: New Construction — Single-Family Detached
Purchase Price: $225,000
Construction Budget: $517,892
Loan Amount: $517,000
Loan Purpose: Construction Only
ARV: $825,000

Dallas, TX Cash Out & New Construction

Borrower Profile: First Time Borrower — Full-Time Builder & Developer
Work Description: New Construction — Six Identical Condos
Purchase Price: $850,000
Construction Budget: $2,046,000
Loan Amount: $2,539,000
Loan Purpose: Cash Out & New Construction
ARV: $4,020,000

Lubbock, TX New Construction

Borrower Profile: First Time Borrower — Experienced Real Estate Investor
Work Description: New Construction — Single-Family Detached
Purchase Price: $72,500
Construction Budget: $352,000
Loan Amount: $360,000
Loan Purpose: Land Purchase & Construction
ARV: $630,000
Texas Hard Money Loans For Real Estate Investors

Quick Closing Fix and Flip Loans

Asset Based Lending partners with real estate investors that know how to transform a distressed or mundane property into a gorgeous home and sell it for a higher value. We understand that most investors don’t have the capital to fund these major rehab projects, so we offer hard money fix and flip loans for real estate investors in Texas. These 12-month bridge loans are meant to finance the purchase and rehab of the property, allowing investors to complete their project and earn a profit based on the final sale of the property. ABL flip loans provide funding up to 90% of property purchase price and 100% of the rehab costs. Whether you’re flipping your first property or are a full-time flipper, ABL is ready to finance your next success.

ABL understands that speed and reliability are what investors need from the best hard money lenders in Texas so we specialize in closing deals as quickly as 10 days or less, with loan approval in just 24 hours. We offer flexible underwriting for our flip loans so borrowers can choose lower interest rates, maximum leverage, zero points, or another option that suits their needs. Our team are experts in local real estate, understanding that a single-family flip in Dallas needs different criteria than a multi-family flip in San Antonio. Whether you’re flipping your first property or are a full-time flipper, ABL is ready to finance your next success. Click here to learn more about our Texas fix and flip loans.

The Best New Construction Loans for Experienced Investors in Texas

Housing inventory is at record-lows across Texas, which means demand for residential new construction is peaking. ABL provides hard money loans in TX for new construction to real estate investors that want competitive interest rates, flexible underwriting, and fast draw turnarounds. 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.

ABL tailors each new construction loan to match the specific project, providing loan flexibility that’s unmatched by other hard money lenders.  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 TX new construction loans.

Rental Loans For BRRRR Investors

Asset Based Lending offers the most reliable and straightforward rental loans for BRRRR investors that Texas 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 4% 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 Texas 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.