Interesting opinion on how marketplace lenders may be able to overcome the recent market hurdles - start generating balance sheet loans and basically aim at becoming a bank. The concept makes sense, as balance sheet lending removes potential market risks since there isn't a need for outside capital. The difficulty lies in finding the source for debt capital, and if that's not enough, regulators aren't so excited on granting bank charters. The result has granted banks with more power in the lending space, as they can decide if they may want to takeover an online lender who now has a lower valuation, or possibly build their own loan platform internally.