Business Page
Asset Based Lending
Lender
4.0 stars
121 Reviews
Markets served
Alabama
Arizona
Arkansas
California
Colorado
Connecticut
District of Columbia
Delaware
Florida
Georgia
Idaho
Illinois
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
New Hampshire
New Jersey
New York
North Carolina
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
Tennessee
Texas
Virginia
Washington
Wisconsin
Licenses
Company NMLS
#2449622
Additional info available at the
NMLS consumer access website
Additional Licenses & Information
CA License 60DBO-183897 CA License 60DBO-184824
About us
With nearly 100 reviews and an impressive 4.2 Google rating, Asset Based Lending (ABL) has been a premier lender for real estate investors since 2010. We have successfully financed over $2.5 billion in projects, specializing in fix and flip, new construction, and DSCR loans for both long and short-term rentals. At ABL, we pride ourselves on our unique offering: the 0 Point Loan. As a direct balance sheet lender, we handle every aspect of the loan process in-house—from underwriting to processing, closing, and servicing. This streamlined approach ensures you receive the white-glove service your business deserves.
Specialties
Hard/Private/Non-QM
Fix & Flip
DSCR (long-term rental)
DSCR (short-term rental)
Ground Up & Land Dev. Loan
Rehab for Buy & Hold
Bridge Loan
Refinance (investment)
Reviews (121)
4.0 stars
121 Reviews
4.0 stars
121 Reviews
0.0 star
0 Reviews
1.0 star
6 months ago
Reviewed by
Nick
DO NOT USE- ABL! Asset based lending is clueless and strung up a deal up to the day it was supposed to close stating that they can close based on the lease. Ira Kuperman was the loan officer and first thing I ever asked was about loan seasoning and said it would be no problem.
Never will send them a deal, they don’t communicate and dodge your calls when things go wrong.
I am a broker and if you need help placing a deal reach out, I have much better lenders to use then them. The only reason I initially sent the file was due to being told they had no seasoning. Wasted everyone’s time and borrowers money.
5.0 stars
6 months ago
Reviewed by
Mary
Although we weren’t able to get this property contract done, Scott Emmer at Asset Based Lending was extremely helpful throughout the process. As a first-time investor, he took the time to clearly explain everything and made me feel comfortable looking at properties. When I’m ready to move forward in the near future, I would absolutely recommend working with him.
5.0 stars
6 months ago
Reviewed by
Surayyo Jumaeva
We closed 2 deals with them(Dscr)loan.
Very professional and quick.
Maryem,Scot,Bill
Will work for future deals and highly recommend.
Helped us a lot.Thank you very much.
1.0 star
7 months ago
Reviewed by
Michael Shelton
This is the worst lender I've ever worked with. They took months and months and months to close 2 new build loans for me. They assured me I would have no issues with the draw process when I asked if I should be concerned about the draws when I consider how long it took to close. Yesterday I used the sitewire app to document all of our construction work, submitted everything necessary, and now they won't fund the draws. Please look elsewhere for your lending needs. I will never work with them again.
1.0 star
10 months ago
Reviewed by
Marvin Toribio
This company is trash and would never even try to use them again. Couldn’t close when they said they would and then changed leverage on me day before closing. The information that they ask you for is just straight ridiculous. The insurance company found them weird, title found them weird, realtor also was also not a fan. All parties involved were just sending me messages on the side asking to please switch lenders smh I didn’t listen because of my main contact there and ending up getting jammed up when they switched terms/leverage last minute. Stay away I would rather pay more money and go smooth then to hear all the things they promote and them want to jam you up. Lost a 4K EMD because of them. Please learn from me and stay away they are trash. Had me add things to my scope of work because that’s why they wanted as if they were the ones that were going to live in the property
1.0 star
a year ago
Reviewed by
James Jackson
My experience with Asset Based Lending was extremely disappointing. Communication was poor from the start, and the process was full of delays and confusion. I was repeatedly promised updates that never came, and it felt like no one was taking accountability. Important details kept slipping through the cracks, and the level of professionalism just wasn’t there. I wouldn’t recommend working with this company unless you’re prepared to chase people down for answers and deal with unnecessary stress.
5.0 stars
a year ago
Reviewed by
Justin Beasley
Spent the first few years building my company is cash. I was nervous to work with any bank or lender. ABL was the first company I worked with and they have been incredible. A great strategic partner for my company. Greg Dietz and Ronald Campbell are my main points of contact and have been there for us whenever needed. Fast draws, excellent communication, incredible systems, and true team players.
5.0 stars
Edited a year ago
Reviewed by
J&J Florida Homes LLC
Our experience with ABL has been absolutely amazing. We’ve done 6 deals with them and we love the process and outcomes. Our favorite part is working with Mailena Garcia and Jack Hamilton, great service and professionalism.
We will continue our journey with them. We highly recommend ABL.
5.0 stars
2 years ago
Reviewed by
Pedro Escoboza
Truly a pleasure having ABL lending participation on every deal, thanks to their lending expertise and timely support and guidance throughout the process on getting the best loan for my deals; I can see my company growth from 1 to 2 flips to flips, numerous flips and also, new construction and DSCR loans to growth the rental portfolio. Thanks Kevin @ ABL team.
5.0 stars
2 years ago
Reviewed by
Justice Opute
I started working with ABL in 2021. They have funded over 7 new construction for me. My POC Mailena is very responsive in getting a deal started and closed.
1.0 star
6 months ago
Reviewed by
Nick
DO NOT USE- ABL! Asset based lending is clueless and strung up a deal up to the day it was supposed to close stating that they can close based on the lease. Ira Kuperman was the loan officer and first thing I ever asked was about loan seasoning and said it would be no problem.
Never will send them a deal, they don’t communicate and dodge your calls when things go wrong.
I am a broker and if you need help placing a deal reach out, I have much better lenders to use then them. The only reason I initially sent the file was due to being told they had no seasoning. Wasted everyone’s time and borrowers money.
5.0 stars
6 months ago
Reviewed by
Mary
Although we weren’t able to get this property contract done, Scott Emmer at Asset Based Lending was extremely helpful throughout the process. As a first-time investor, he took the time to clearly explain everything and made me feel comfortable looking at properties. When I’m ready to move forward in the near future, I would absolutely recommend working with him.
5.0 stars
6 months ago
Reviewed by
Surayyo Jumaeva
We closed 2 deals with them(Dscr)loan.
Very professional and quick.
Maryem,Scot,Bill
Will work for future deals and highly recommend.
Helped us a lot.Thank you very much.
1.0 star
7 months ago
Reviewed by
Michael Shelton
This is the worst lender I've ever worked with. They took months and months and months to close 2 new build loans for me. They assured me I would have no issues with the draw process when I asked if I should be concerned about the draws when I consider how long it took to close. Yesterday I used the sitewire app to document all of our construction work, submitted everything necessary, and now they won't fund the draws. Please look elsewhere for your lending needs. I will never work with them again.
1.0 star
10 months ago
Reviewed by
Marvin Toribio
This company is trash and would never even try to use them again. Couldn’t close when they said they would and then changed leverage on me day before closing. The information that they ask you for is just straight ridiculous. The insurance company found them weird, title found them weird, realtor also was also not a fan. All parties involved were just sending me messages on the side asking to please switch lenders smh I didn’t listen because of my main contact there and ending up getting jammed up when they switched terms/leverage last minute. Stay away I would rather pay more money and go smooth then to hear all the things they promote and them want to jam you up. Lost a 4K EMD because of them. Please learn from me and stay away they are trash. Had me add things to my scope of work because that’s why they wanted as if they were the ones that were going to live in the property
1.0 star
a year ago
Reviewed by
James Jackson
My experience with Asset Based Lending was extremely disappointing. Communication was poor from the start, and the process was full of delays and confusion. I was repeatedly promised updates that never came, and it felt like no one was taking accountability. Important details kept slipping through the cracks, and the level of professionalism just wasn’t there. I wouldn’t recommend working with this company unless you’re prepared to chase people down for answers and deal with unnecessary stress.
5.0 stars
a year ago
Reviewed by
Justin Beasley
Spent the first few years building my company is cash. I was nervous to work with any bank or lender. ABL was the first company I worked with and they have been incredible. A great strategic partner for my company. Greg Dietz and Ronald Campbell are my main points of contact and have been there for us whenever needed. Fast draws, excellent communication, incredible systems, and true team players.
5.0 stars
Edited a year ago
Reviewed by
J&J Florida Homes LLC
Our experience with ABL has been absolutely amazing. We’ve done 6 deals with them and we love the process and outcomes. Our favorite part is working with Mailena Garcia and Jack Hamilton, great service and professionalism.
We will continue our journey with them. We highly recommend ABL.
5.0 stars
2 years ago
Reviewed by
Pedro Escoboza
Truly a pleasure having ABL lending participation on every deal, thanks to their lending expertise and timely support and guidance throughout the process on getting the best loan for my deals; I can see my company growth from 1 to 2 flips to flips, numerous flips and also, new construction and DSCR loans to growth the rental portfolio. Thanks Kevin @ ABL team.
5.0 stars
2 years ago
Reviewed by
Justice Opute
I started working with ABL in 2021. They have funded over 7 new construction for me. My POC Mailena is very responsive in getting a deal started and closed.
