Not sure about the whole concept, loan, ect. but I think the market research is a good start. "As Steve Jobs said, "It isn't the consumers' job to know what th

Not sure about the whole concept, loan, ect. but I think the market research is a good start. "As Steve Jobs said, "It isn't the consumers' job to know what they want."" Unfortunately you are not inventing a whole new market category. Decades of market research has shown that consumers have a good general idea of what they want and they don't tend to pay for things that they don't want.