Business Page
Asset Based Lending
Lender
3.9 stars
98 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 (98)
3.9 stars
98 Reviews
3.9 stars
98 Reviews
0.0 star
0 Reviews
1.0 star
a week ago
Reviewed by
Cathra Howard
Nick Tierno (Vice President, Head of DSCR) handling of this deal has been unacceptable. Weeks of delays, incorrect information, and last-minute changes left us feeling duped.
1.0 star
a week ago
Reviewed by
Ralitsa Dimitrova
This sketchy company pulled the rug out at the last minute, leaving us scrambling and frustrated—such an unprofessional experience. A massive waste of time; they backed out of the deal at the last moment with no warning or accountability.
1.0 star
2 weeks ago
Reviewed by
vincent dipietro
Completely unprofessional from start to finish. The lack of communication and constant disorganization made this experience a nightmare. It's clear they don't value their clients or respect their time. I wouldn't recommend them to anyone.
1.0 star
a month ago
Reviewed by
Angel Lewis
Had an appraisal completed on a house. Came in 30k lower than the other TWO appraisals completed. Unfortunately, they didn’t care and stuck by their person although it was completely unjustified. Compared my completely remodeled house (roof, electrical, heating, and water) to an outdated house recently sold. Stated my upgrades didn’t matter and they will stick by their guy. Completely my blowing experience and a waste of time. Do not recommend them! The only reason I didn’t use my original lender is they don’t lend under 125k and this house is in a lower graded area.
5.0 stars
2 months ago
Reviewed by
Connor Flynn
I am a broker and have been using them consistently for Debt service and ground up. ABL is great but Cam Mozingo is lights out. Best rep I have worked with, I followed him from his last company and would not work with anyone else.
1.0 star
6 months ago
Reviewed by
Matt B
Absolutely do not use. They refused to fund over a commission to our brokerage that the borrower himself was not paying. They restricted any commission from being listed on the HUD at all no matter how it was worded. This did not come up until the day of closing even though they had a copy of the HUD a week prior. If you are an investment brokerage, agent, wholesaler or even an investor that wants to get the deal done while staying compliant with state law or simply to avoid exposing yourself to risk then use another hard money lender.
5.0 stars
11 months 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
a year 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
a week ago
Reviewed by
Cathra Howard
Nick Tierno (Vice President, Head of DSCR) handling of this deal has been unacceptable. Weeks of delays, incorrect information, and last-minute changes left us feeling duped.
1.0 star
a week ago
Reviewed by
Ralitsa Dimitrova
This sketchy company pulled the rug out at the last minute, leaving us scrambling and frustrated—such an unprofessional experience. A massive waste of time; they backed out of the deal at the last moment with no warning or accountability.
1.0 star
2 weeks ago
Reviewed by
vincent dipietro
Completely unprofessional from start to finish. The lack of communication and constant disorganization made this experience a nightmare. It's clear they don't value their clients or respect their time. I wouldn't recommend them to anyone.
1.0 star
a month ago
Reviewed by
Angel Lewis
Had an appraisal completed on a house. Came in 30k lower than the other TWO appraisals completed. Unfortunately, they didn’t care and stuck by their person although it was completely unjustified. Compared my completely remodeled house (roof, electrical, heating, and water) to an outdated house recently sold. Stated my upgrades didn’t matter and they will stick by their guy. Completely my blowing experience and a waste of time. Do not recommend them! The only reason I didn’t use my original lender is they don’t lend under 125k and this house is in a lower graded area.
5.0 stars
2 months ago
Reviewed by
Connor Flynn
I am a broker and have been using them consistently for Debt service and ground up. ABL is great but Cam Mozingo is lights out. Best rep I have worked with, I followed him from his last company and would not work with anyone else.
1.0 star
6 months ago
Reviewed by
Matt B
Absolutely do not use. They refused to fund over a commission to our brokerage that the borrower himself was not paying. They restricted any commission from being listed on the HUD at all no matter how it was worded. This did not come up until the day of closing even though they had a copy of the HUD a week prior. If you are an investment brokerage, agent, wholesaler or even an investor that wants to get the deal done while staying compliant with state law or simply to avoid exposing yourself to risk then use another hard money lender.
5.0 stars
11 months 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
a year 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.
