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Updated about 9 years ago,
Pursuit of Yield and Macro forces
This article is no "fluff" piece and illustrates some of the marco forces in the market that are building as large lenders chase yield. We are a boom/bust economy and if this sector of the market starts to go sour we could have a similar ripple go through the economy as we saw in 2008/09.
http://dealbook.nytimes.com/2013/11/26/new-boom-in-subprime-loans-for-smaller-businesses/