Asset Based Lending (ABL): published loan terms
Asset Based Lending (ABL) publishes terms for fix and flip, bridge, ground-up construction and DSCR rental loans. Its fix-and-flip rates start at 8.99% and its DSCR rental rates at 6.75%, as advertised on its website on October 24, 2026.
Fix-and-flip terms
| Starting rate | RATE AS LOW AS 8.99% |
|---|---|
| Loan to purchase / cost | Up to 92.5% LTC (where-we-lend page: '90% of purchase, 100% of rehab') |
| Rehab funded | 100% Reimbursement on Draws / 100% of rehab |
| Cap on after-repair value | 75% LTARV |
| Points | 0 – 2% Points ('points as low as 0%') |
| Term | 12 – 24 Month Loan Terms |
| Minimum credit score | 660 |
| Experience | Not required ('Financing for flipping houses is available to new investors') |
On the calculator's example flip, with the loan sized the way the calculator sizes it ($244,000 over 6 months), interest alone at Asset Based Lending (ABL)'s advertised starting rate of 8.99% would be about $9,732, against $11,366 at the example's 10.5%. Your rate depends on experience, credit, loan size and the property; the starting rate is a floor, not a quote.
DSCR rental terms
| Starting rate | RATE AS LOW AS 6.75% |
|---|---|
| Purchase / rate-and-term LTV | 80% LTV |
| Cash-out LTV | Not published |
| Minimum DSCR | 1.0 Minimum DSCR |
| Minimum credit score | 660 |
| Loan size | $85K to $2.5M |
| Terms | 30-Year Fixed Loan Term; Rate Buy Downs Available; 30-Day Rate Lock Upfront |
Where Asset Based Lending (ABL) lends
ABL currently lends in AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, WV, WI, WY and DC
Not on its published list: Alaska, Hawaii, Montana, Nevada, North Dakota, South Dakota, Utah, Vermont.
Loan size
$75K to $50M, as published.
Other details from its website
Fix and flip: 'No Prepayment Penalty'; draws often released in 24–36 hours; close in as few as 20 days (where-we-lend page says 10 days). DSCR: purchase, delayed purchase, rate & term and cash-out refinance; STR eligible with AirDNA qualification; up to 70% of vested retirement accounts and 25% of crypto count toward reserves.
Licensing disclosure
NMLS #2449622; CA License 60DBO-183897; CA License 60DBO-184824 (footer)
Source
Read on 2026-10-24 from ablfunding.com and its states page. The pages show no as-of date. Terms change often. Fix and Flip Loans is not affiliated with Asset Based Lending (ABL), and Asset Based Lending (ABL) did not review this page.
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