Business owners are finding it extremely difficult to get a traditional small business loan. The credit card companies have put up limits on the credits which could be used to fund business expenses. Therefore a lot of businesses are turning to asset based lending as a form of alternative financing. Such lenders would include cash advance lenders and banks making secured loans on the basis of direct assets. The costs to such a lending might be higher; however some credit is better than nothing in hand. The rate of such a form of financing has increased by about 8% from 2008, as estimated by the Commercial Finance Association.