Asset Based Lending
Has anyone purchased commercial property utilizing Asset Based Lending?
Who did you use?
What did the terms look like?
How did it help you versus traditional lending with a DSCR LOAN?
Most Popular Reply
I offer asset-based lending for commercial deals. Terms are usually 65–75% LTV, interest-only, short-term (1–5 yrs), with rates a bit higher than DSCR.
The big advantage vs. DSCR is flexibility: you can qualify based on the asset itself rather than strict cash flow ratios. That makes it great for value-add or repositioning projects where DSCR doesn't quite fit yet. Many investors use ABL to acquire, stabilize, then refinance into DSCR once the property cash flows stronger.
A lot of my clients use it as a bridge strategy — acquire or reposition with asset-based financing, then refinance into DSCR or conventional once stabilized.
If you’d like, I can run through your scenario and see what terms we can line up for you. Happy to connect!