And just to add to this, there is a growing campaign on the federal level to HELP alternative business lenders and the like do more of what they are already doing. Increasing the SBA default guaranty doesn't seem to solve the problem of the business looking for 20k with 550 FICO and 18 months in business.

The question being tossed around right now, isn't "what can we do to stop these guys?" but "what can we do to support these guys to fund more businesses?" They're learning about who we are, trying to understand it, and it excites them to know that the private sector has found a way to do what big banks and government have not.

Take that pill and swallow it.