Kentucky
Fix and Flip, New Construction, Cash Out/Refinance For Kentucky Real Estate Investors
Asset Based Lending is the premier Kentucky hard money lender, bringing over a decade of loan experience and thousands of projects funded for a totaling $2B. We offer hard money loans 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 various 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 loans 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 KY real estate, understanding the investment needs of a fix and flip in Louisville are much different than a Lexington new construction loan. Fast closings, flexible underwriting, local knowledge, and a streamlined loan process- that’s the ABL Difference. Contact us today to be approved for your Kentucky hard money loan.
The Most Reliable Hard Money Lender in Kentucky
Asset Based Lending started in 2010 as a local hard money lender in Jersey City, New Jersey. After ten years and $2B in projects funded, ABL is now the premier direct lender for real estate investors across the country. As trusted and experienced lenders, we pride ourselves on the strong business relationships we’ve built with the best local appraisers, attorneys, and title agents in the Kentucky 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 KY 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 s and more than half of our borrowers returning for repeat business, its clear that Asset Based Lending is the best hard money lender Kentucky has to offer.
Prequalify Today
Get approved for your next project, or learn more about our various loan programs in Kentucky below:
ABL Lends in:
ABL lends in all of non-rural Kentucky, pending property and borrower underwriting
Coming Soon.
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.
KY Real Estate Market Highlights
AVG HOME SALE PRICE
$249,900
AVG DAYS ON MARKET
14 Days
INCREASE IN MULTI-FAMILY BUILDS
+ 97%
AVG FIX & FLIP REVENUE
$72,400
POPULATION GROWTH
+ 7.1%
HOMES SOLD
3,389
Recently Funded Projects
Kentucky Hard Money Loans For Real Estate Investors
Fast And Reliable Fix & Flip Loans
Asset Based Lending stands among the premier hard money lenders in Kentucky, specializing in financing solutions for real estate investors focused on fix and flip projects. Our Kentucky hard money loans enable investors to transform undervalued properties in prime locations into profitable investments without depleting personal capital reserves. These specialized 12-month interest-only bridge loans are strategically designed to cover both acquisition costs and renovation expenses, allowing investors to execute their business plans efficiently and exit profitably. With transparent fee structures, no prepayment penalties, and competitive interest rates, ABL’s hard money lending programs provide Kentucky investors with the financial flexibility needed to scale their real estate operations systematically.
Whether you’re executing your first renovation project in Lexington or managing multiple simultaneous investments across Louisville, ABL delivers customized Kentucky hard money loans tailored to your specific investment parameters. Our financing solutions provide up to 90% of purchase price and 100% of documented rehabilitation costs, with competitive interest rates that reward experienced investors. As established hard money lenders in Kentucky, we combine local market expertise with streamlined underwriting processes, enabling rapid funding decisions and expedited closings that keep your projects moving forward. Contact our Kentucky lending specialists today to discuss how our hard money solutions can accelerate your real estate investment objectives.
New Construction Loans for Experienced Investors & Developers
With housing inventory reaching record lows across the state of Kentucky, now is the best time for real estate investors looking to finance their new construction project. Our hard money new construction loans allow investors to borrower up to 90% of the land value and 100% of construction costs, with interest rates starting as low as 9.99%–15%. These loans are designed for experienced investors and builders to scale their real estate business quickly, using fast and reliable funding for their projects.
ABL uses flexible underwriting to provide unique construction loans that are tailored to match your specific project, whether you’re looking for maximum leverage, lower interest rates, zero points, or something else. 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 KY new construction loans.
Kentucky Rental Loans Through Established Hard Money Lenders
Asset Based Lending ranks among the premier hard money lenders in Kentucky, offering sophisticated rental property financing designed specifically for real estate investors seeking to expand their income-producing portfolios. Our Kentucky hard money loans provide exceptional flexibility with competitive rates starting from 5.75% and leverage options up to 80% LTV. Unlike conventional lenders, our specialized financing structures include multiple payment configurations—30-year amortization schedules, adjustable-rate mechanisms, and interest-only options—providing investors with tailored capital strategies that align with their unique investment objectives and cash flow requirements.
Our distinctive capital structure enables us to underwrite single-property rental loans up to $3 million and portfolio financing packages up to $6.25 million, positioning us as the preferred hard money lenders in Kentucky for both emerging and established investors. ABL’s underwriting methodology focuses primarily on the income-generating capacity of the target properties rather than relying exclusively on borrower credit profiles, creating accessible financing solutions for investors across experience levels. Leveraging comprehensive market intelligence and regional expertise, our Kentucky hard money loans team delivers exceptional service throughout the acquisition process, from initial application through closing and beyond. Contact our investment property specialists to discuss how our innovative financing solutions can accelerate your portfolio expansion strategy.
Why Choose ABL?
Local Experts Who Know Your Market
- 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.
