We have tracked with great interest the evolving nature of borrowing and lending money in our country. Several years ago the pipeline for borrowers was plentiful as banks, and funds provided by Wall Street, flooded the lending markets. Then in 2008 the market did a 180-degree turn and traditional lenders stepped away, leaving eager borrowers wondering where they would get their money. In the game of musical chairs a chair is periodically removed and the person left standing is forced out to the game. In 2008, when the lending music stopped it felt as if five chairs had been removed from the game. Where would the borrowers turn? Enter the new private “Peer 2 Peer” lenders – and welcome to the new world of alternative lending.