here is the full article:

And in fact even treasury secretary stated below how the alternative program/ lenders are getting this credit out there.

Speaking at a recent Small Business Administration conference, Treasury Secretary Jack Lew said the government wants to "do more to knock down barriers to financing," and he voiced support for new approaches to lending. "These companies are using alternative measures to assess a business's ability to pay back a loan," he said. "They use data like real-time shipping schedules, records held in a business's accounting software, and even social-media traffic to determine creditworthiness." The government, he said, wants to provide access, with a borrower's permission, to certain information reported to the government.