I love this site http://keandra.in.net/ keandra.com The most successful companies in this space are the ones known as peer-to-peer lenders, which match small-scale borrowers with like-size lenders, and the most successful peer-to-peer lender is Lending Club. Which makes it, actually, not very small-scale at all. Founded in 2006, Lending Club lent its billionth dollar in November 2012, and its second billionth dollar less than nine months later, in July 2013. And that was with just two products: three-year and five-year unsecured amortizing personal loans. (You borrow a certain amount and slowly pay it down over 36 or 60 months, remitting the same amount every month.) Lending Club makes its money by charging you an upfront fee for the loan and also by skimming a small amount off your repayments before they reach the lenders.