Traditional financiers view asset based lending as a last resort option, however, with a tight credit market combined with lower than expected results, many financial specialists view this as a viable alternative method of funding. Asset based lending helps give collateral to reduce the risk on the part of the lender, thus decreasing the amount of money down on a loan in a time where liquidity on the part of business owners is scarce. Furthermore, most savvy businessmen will invest in assets such as gold, commercial real estate, residential real estate, bonds, diamonds, and more to reduce the tax burden on liquid assets and is a great asset management and wealth creation strategy.