Published terms, read October 29, 2026

Lima One Capital vs Asset Based Lending: published loan terms side by side

A first flip is the biggest split. ABL publishes no experience minimum; Lima One requires one exit in the last 36 months. Below is everything else each one publishes on its own website, term by term.

Compare with your deal All lenders compared

Lima One Capital

Investor lender with offices in Greenville, South Carolina and Irvine, California, offering rental, fix-and-flip, construction and multifamily loans.

Direct private real estate lender based in Jersey City, New Jersey, founded in 2010 (NMLS #2449622). It funds fix and flip, new construction and bridge loans in-house; its DSCR rental loans are brokered to third-party capital partners.

The differences that change a deal

Flip purchase advance: up to 95% at Lima One, 90% at ABL.
Largest construction loan: $5 million at Lima One, $50 million at ABL.
Largest flip loan: $5 million at Lima One, $50 million at ABL.

DSCR rental loans

From each lender's own site, read October 29, 2026. Conditions for each figure are on the lender pages.
Term	Lima One Capital	Asset Based Lending
Loan amount	$85,000 to $2,500,000	$85,000 to $2,500,000
Max LTV (purchase)	Up to 80% LTV (75% cash-out)	Up to 80% LTV
Min FICO	660	660
Min DSCR	1.00x	1.00x
Experience	Not required	Not required (first-time and experienced investors)
Property types	Single family, 2-9 units, warrantable condos	Single family, 2-4 units, condos (also 5-9 units)

Fix and flip loans

From each lender's own site, read October 29, 2026. Conditions for each figure are on the lender pages.
Term	Lima One Capital	Asset Based Lending
Loan amount	$100,000 to $5,000,000	$75,000 to $50,000,000
Purchase	Up to 95% LTC	Up to 90% of price
Rehab	Up to 100%	Up to 100%
Max ARV	Up to 75% of ARV	Up to 75% of ARV
Min FICO	660	660
Experience	One exit in the last 36 months	Not required; first-time flippers eligible (experienced borrowers may get higher leverage)
Term	13, 19 or 24 months	12 to 24 months

Ground-up construction loans

From each lender's own site, read October 29, 2026. Conditions for each figure are on the lender pages.
Term	Lima One Capital	Asset Based Lending
Loan amount	$100,000 to $5,000,000	$75,000 to $50,000,000
Max LTC	Up to 90% LTC	Not published as LTC; up to 75% of land purchase plus 100% of construction costs
Max ARV	Up to 75% of ARV	Up to 75% of ARV
Min FICO	Not published	660
Experience	Required: ground-up (on title or as GC) or fix-and-flip	Prior ground-up experience reviewed (qualifying project completed and sold or refinanced within 36 months); not stated as a hard requirement
Term	19 or 24 months	12 to 24 months

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
Lima One Capital	46 states and Washington, DC. The excluded states are not listed on the pages read. [src]	LLC or similar entity required for business-purpose rental loans. [src]	Eligible for rental, fix-and-flip and construction loans, including borrowers without a US credit score. [src][src][src]
Asset Based Lending	42 states and Washington, DC per its published list (the same page says '43 states'). Not on the list: AK, HI, MT, NV, ND, SD, UT, VT. [src][src]	Business entity required. Title must be held in an LLC or corporation; a personal guarantee is required from all principals. [src][src]	Not published.

For reference: our programs next to both

Doors Funded programs are arranged by Janover Capital LLC, which is paid when they close. They are shown separately so the comparison above stays between the two lenders.

DSCR rental loans. Lender figures read October 29, 2026.
Lender	Loan amount	Max LTV (purchase)	Min FICO	Min DSCR	Experience	Source
Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close	$75,000 to $2,000,000	Up to 80% LTV (75% cash-out)	660	1.05x	Not required	terms
Lima One Capital	$85,000 to $2,500,000	Up to 80% LTV (75% cash-out)	660	1.00x	Not required	[1][2]
Asset Based Lending	$85,000 to $2,500,000	Up to 80% LTV	660	1.00x	Not required (first-time and experienced investors)	[1][2]

Fix and flip loans. Lender figures read October 29, 2026.
Lender	Loan amount	Purchase	Rehab	Max ARV	Min FICO	Experience	Term	Source
Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close	$50,000 to $3,000,000	Up to 90% of price	Up to 100%	Up to 75% of ARV	Quoted per loan	None required	12 months; 18 months case by case	terms
Lima One Capital	$100,000 to $5,000,000	Up to 95% LTC	Up to 100%	Up to 75% of ARV	660	One exit in the last 36 months	13, 19 or 24 months	[1][2]
Asset Based Lending	$75,000 to $50,000,000	Up to 90% of price	Up to 100%	Up to 75% of ARV	660	Not required; first-time flippers eligible (experienced borrowers may get higher leverage)	12 to 24 months	[1][2][3]

If neither fits

Sources

Lima One: rental loans. Read October 24, 2026.
Lima One: rental loan detail. Read October 24, 2026.
Lima One: fix and flip loans. Read October 24, 2026.
Lima One: fix and flip detail. Read October 24, 2026.
Lima One: new construction loans. Read October 24, 2026.
Lima One: new construction detail. Read October 24, 2026.
Lima One: rental portfolio loans. Read October 24, 2026.
ABL: Company and loan program overview (updated Sept 30, 2026). Read October 29, 2026.
ABL: DSCR rental loans. Read October 29, 2026.
ABL: Fix and flip loans. Read October 29, 2026.
ABL: New construction loans. Read October 29, 2026.
ABL: Bridge loans. Read October 29, 2026.
ABL: Where we lend. Read October 29, 2026.
ABL: FAQs. Read October 29, 2026.