The alternative lending industry is about to cross the $500 billion valuation threshold, and market analysts have confidently predicted the sector to hit a $1 trillion worth in just a matter of years.

These forecasts have largely been in response to two explosive IPOs from alternative lenders: that of Lending Club, which hit an $8.5 billion valuation, and of OnDeck one week later, reaching a $1.5 billion valuation. Both shattered records, and Lending Club took second place in the largest IPOs ever recorded (surpassed only by Alibaba’s debut).

Collectively, these market forecasts are generating a storm of excitement among investors and small businesses looking for working capital. But a new whitepaper from consulting firm Bridgeforce, published through its Capital Management practice, warns that the technological advantages of these alternative lenders over traditional banks – often the focal point when valuing these firms – will not carry the same weight it currently holds for much longer.