Since the financial crisis the non-bank lending sector has grown tremendously; while banks still do the lions share of lending the growth of non-bank lending has led to a new set of risks; investors in these non-banks may want their cash back when we hit the next downturn and we don’t know what impact this kind of pullback will have; some non-bank lenders are more prepared than others for such a downturn but as the sector has grown so too have the risks to the economy. Source.