Alternative Funding virtually unheard of before 2007 but then Lehman Bros fell over and the world changed. But small British businesses kept on trading, kept on cutting hair, servicing cars, selling beer and wine and doggedly kept their retail premises open. From late 2008 and well into 2010 the crowd funding & peer-to-peer lending industry started. New banks opened their doors to the SME sector. Specialist Invoice discounters appeared and cash advance was created. The alternative funders had arrived.