<PAGE>
CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS
American Business Financial Services, Inc.
Bala Cynwyd, PA
We hereby consent to the incorporation by reference in the Registration
Statement on Form S-8 of ABFS (File No. 333-82127) of our reports dated November
17, 2000, appearing in the Annual Report on Form 11-K of the American Business
Credit Inc. 401(k) Plan for the year ended December 31, 1999.
/s/ BDO Seidman LLP
----------------------------------------
BDO Seidman LLP
Philadelphia, PA
January 4, 2001
