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I think you are referring to peer-to-peer lending or social lending - this is where members lend and borrow from each other. There are several of these sites including prosper.com or Lending Club. Further, many fo these sites (companies) have now requested and received approval to make loans themselves. This is a relatively new industry (been around about 8 to 10 years - even less in the US).
Business Money Today
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From Wikipedia, the free encyclopediaPerson-to-person lending (also known as peer-to-peer lending and *social lending*) is, in its broadest sense, the name given to a certain breed of financial transaction (primarily lending & borrowing, which
occurs directly between individuals ("peers") without the
intermediation/participation of a traditional financial institution.
An enabling technology for person-to-person lending has been the
Internet, where person-to-person lending appears in two primary
variations: an "online marketplace" model and a "family and friend"