Asset Based Lenders (ABLs) Another option is an asset based lender (ABL). ABLs lend money based on a percentage of an existing company's equipment, accounts receivable, cash flow, inventory, or other assets. ABLs are in finance companies or departments of commercial banks (Owens, 1990). A downfall of ABLs is that they can seize the assets from you if you do not meet your loan obligations. A variety of loans can be obtained from ABLs: (1) 80% for the liquidation value of fixed assets, (2) 80% for accounts receivables and cash flow and (3) 30% to 50% for inventory.
