That's what Prosper was doing but the SEC forced them to temporarily stop lending and jump through more hoops. http://www.techcrunch.com/2008/11/26/sec-outline

That's what Prosper was doing but the SEC forced them to temporarily stop lending and jump through more hoops. http://www.techcrunch.com/2008/11/26/sec-outlines-its-reasoning-for-shutting-down-p2p-lender-prosper/ http://www.techcrunch.com/2008/11/26/sec-outlines-its-reason... I'm not sure where they sit now, but when you browsed Prosper you could find people requesting loans for business (not just personal items like cars).