Inventory Boost with Onlne upgrades

Purpose of loan:
This loan will be used expand my eBay store with more jewelry I own (over15k) and Mac product accessories. I am a Mac geek for 14 years and with jewelry sales slow I will expand my inventory in the new auction format on eBay. I have wholesalers in place to work with. I have a perfect 100% rating after 9 years online. I will also continue to update and increase my silver and light weight gold inventory by adding from my gemstone sources as a wholesaler myself to the trade. It was a difficult xmas season for my jewelry businesses. www.emasterjeweler.com. I have some pieces that sold well but overall business online were off 50%. I have several nitche's to chase for next year and this loan will help me pay for it. I have most of what I need already as you can see by the 10k inventory in my store

My financial situation: things are tight and I am liquidating other collectable assets to support these efforts.. I have good credit around 680 considering everything my family and I have been through with car insurance companies. I was in a bad car wreck 5 years ago and couldn't work for 6 months so that hurt us a lot. We have been straight and on time ever since we got back to work. This work will general 3 to 5 times investment over the next 6-8months.
I am a good candidate for this loan because?I have successfully applied and maintained the last loan from prosper and made money. Applying these funds will just help that much more. That is an exciting prospect for 2010. Thought I would try here since I recommend it to my Business clients as an option. My banks have all dried up as we all know. They are not lending to small biz people. I even tried a refinance on my house which I own 45% of and they said why should we? The consulting which started me on prosper has been very slow and in this economy ,the people who need my help where I live really cant afford it. I am owed several thousand dollars by accounts in these hard times. I cant say when they will pay up. So, as a one man shop I felt leveraging my online store and reputation is the way to go. I am also negotiating with a local college to teach part time as well to help. My wife has a full time job as well. First one in 10 years for her,. So you can see, you wont go wrong on this business loan! I would rather go this route then some crazy new credit card. Thanks for the support!

Monthly net income: $ 3200

Monthly expenses: 2700$
??Housing: $1100
??Insurance: 200$
??Car expenses: 200$
??Utilities:300 $
??Phone, cable, internet: 110$
??Food, entertainment:300 $
??Clothing, household expenses 150$
??Credit cards and other loans: 800$
??Other expenses:100 $

Inventory for the summer

This loan will be used to? purchase supplies for commercially jarring popular pizza and pasta sauces and dry ready dough mix. These products will be distributed to targeted local retailers and Farmers Markets as entry points into the market. Further distribution outlets will be added as demand increases and profits reinvested into the business for continued growth.

My financial situation:
I am a good candidate for this loan because?I have an? established and growing market for my food products with individual consumers and specific local retailers having conducted semi private marketing activities over the last several years. I have a strategic plan that includes processes for slow and steady growth to penetrate the market and minimize risk.

Wedding Loan

Purpose of loan:
This loan will be used to help us pay for our wedding. We are getting married in July.?We will be traveling to for our honeymoon. It will also be used to fence in our backyard so our dogs have a safe place to run around. We will make some minor changes to our house with the loan as well.
My financial situation:
I am a good candidate for this loan because I never miss a payment on anything. I also have already paid off a 3 year $6,000 loan through prosper ahead of schedule and never missed a payment. $85,000 Income annually (Combined)$5000 Monthly Take home pay (Combined) Expenses:$700 Mortgage, $300 Utilities, Phone, and cable, $600 Food and entertainment, $300 Student Loans, $450 Car Payment, $200 Car Insurance, $150 Gas, $100 Dog expenses, $200 Credit Cards $3000 total expenses, That will leave $2000 a Month to pay off this loan!

Truck FedEx Ground

Right now I am currently a FedEx Ground Independent Contractor that drives and delivers under FedEx Ground.? With the loan that I am desperately requesting I will be able to replace or repair my engine . Unfortunately I purchased and properly maintained a brand new International with a VT365 engine. Shocking news today, I was told I need to rebuild or replace the engine. I utilize this vehicle to financially support my family. For four years it has been a promising business allowing me to accomplish many goals. I have been able to purchase a home and buy, now own two cars. My yearly income has increased to $80,000 and I would have no problem repaying the loan. I successfully paid off my first loan.Thank you for any help that you can provide.

Candle Supplies debt consolidation

Purpose of loan:
My wife and I own a candlemaking supplies business called Connie's Candles Inc.? We have?a warehouse/store located in Southern Ohio and also sell online at www.conniescandles.com.? We would like to use the proceeds from this loan to pay off a couple of high interest credit cards.? This would reduce our monthly interest charges along with adding to our monthly cash flow.? We will use these additional funds to increase our buying power in purchasing inventory, which in turn will increase our profitability.? Over the past several months we have implemented several other cost saving strategies such as efforts to lower heating costs, reducing payroll, and cutting advertising.? We have already seen significant results from these efforts.

My financial situation:
I believe we are good candidates because my wife and I have maintained good credit scores and have solid repayment histories on loans.? We are committed to keeping this business running for our employees and our community.? While we both own this company, my wife Connie manages the day to day operations.? I am employed by USEC (United States Enrichment Corp.) in the health physics/radiation protection field.? I have a level Q government clearance, which requires periodic background investigations, including personal and financial histories.? I feel this goes a long way in expressing how seriously I take my obligations. My thanks to all those interested in funding this loan.

payoff afew bills to have only one.

Purpose of loan:?I need to catch up on a few bills,i am currently paying more each month out of pocket then the loan payment and need to get these bills paid.?

My financial situation: I am currently laid off but working part time and collecting unemployment,I expect to be called back to work at my full time job soon.My wife works full time also
Monthly net income: $ 5225
Monthly expenses: $
??Housing: $ 1325
??Insurance: $ 275
??Car expenses: $ 350
??Utilities: $?300
??Phone, cable, internet: $ 160
??Food, entertainment: $ 600
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 50
??Other expenses: $

Investing

Purpose of loan:
Using a tried and true method of investing in stocks that have been stable in past years and are?currently undervalued, I will use these funds to speculate on potential stock picks.? I have invested several thousand of my own money on some of these stocks and can use my own funds to pay off this loan if need be.?
Please note, that although I have been unemployed for over a year, my investment income has sustained my standard of living for some time.? In fact, I have been building a better credit than when I was working (at least eliminating some credit card debt).? In the past year, I have been attending school, however, school will end in mid-April, when I will reenter the employment market.? I have made some contacts for a job that will pay over $75K per year and expect to start by the beginning of May.

Income:
Unemployment ~$1500.00

Expenses
Mortgage????~$1465 (includes escrow)
Car Loan????~$? 370
Car Ins???????~$ ?150
Gas/Elec????~$? 200
Other household/credit cards?~$500


Please let me know if you have any questions...

Desperate Need of Medical Loan

Purpose of loan:
I am currently and have previously been experiencing medical issues for over the past 4 years. I would like to receive a loan for half of the medical procedure and have the rest in cash to put down.

My financial situation:
I am currently very financially stable. I have D prosper rating because of my high revolving credit, which is there because I have a motorcycle loan that they applied to a revolving account instead of an installment loan and unfortunately, brings down my credit rating. I also have a few credit cards that have a pretty high balance because I was laid off during the economic downfall last year and was unemployed for over 6 months. I have since found a promising career with a local hospital and they are sending me to college in the fall, all expenses paid. I currently live with my mother and the only bills I am paying are my credit cards, car payment and motorcycle loan which equals to $700?a month and I gross well over $2500. I have never missed or been late on any kind of payment.

I would appreciate the help from anyone who is willing to lend a hand, I'd rather take care of this medical necessity now before it gets any worse.

Thanks in advance.

pay down debt

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Help me on the Road to Financial Cl

Purpose of loan:
This loan will be used to? pay off my credit card debt faster help me start my way toward my financial clean-up so I can work toward retirement now that my children are taken care of.

My financial situation:
I am a good candidate for this loan because? I am a honest hard working individual and always make my payments on time - just need some help getting out of debt faster.? I need to payoff these credit cards as the min payment will take 20 years versus a 3 year loan.? Most of these balances were from helping my children attend college and with this amount I will be able to payoff 2 of my credit cards and concentrate on my other ones.? I know this is a stupid situation to be put in but with your help I can learn from this and put myself in a better position to retire in 10 years.? So please help!!!!!

Relocation Necessary

Purpose of loan:
This loan will be used to relocate to Florida in October of this year.? The cost of moving, 4 day drive and hotel?along with the?deposit and admin fees of new apartment.? This move is required due to my health - must relocate to lower altitude.? I am on disability, since 1988, with CNS Lupus, ?and my wife currently cares for me and is compensated?by Medicare as a caregiver.?

I am confident that I can pay $250.00 per month for this loan.?

Paying off Credit Cards

Purpose of loan:
This loan will be used to?Pay?off my credit card debt. It's really not?high (around $1300)compared to some people but I've?only been able to pay the minimum payments and I would like?to consolidate it all?and eliminate it in the next 3-6 months through one payment and have a better financial outlook for the future.

My financial situation:
I am a good candidate for this loan because? I have a full time salaried job but since I'm relatively new to the position I won't be up for a promotion of salary increase for 18 months

Monthly net income: $ 2800 (before taxes, $2000 after)

Monthly expenses:
??Housing: $?600
??Insurance: $ 160
??Car expenses: $ 200?
??Utilities: $ 100
??Phone, cable, internet: $?180
??Food, entertainment: $?300
??Clothing, household expenses $ 100
??Credit cards and other loans: $?150
??Other expenses: $ 200

Pay off all debt

Purpose of loan:
The purpose of this loan is to get myself into a secure financial position.

My financial situation:
My financial situation is good, I have good credit and I make all of my payments for debts on time and in full. I bought a house two years ago a ?fixer upper?. Since then I have done just about everything in my power to update it and make it a good investment. I did need to use some of my allotted credit card debt in order to do this. Once I pay off this credit card debt I will have no debt other then my mortgage and car. Currently I am responsible for paying about $640.00 a month toward credit card debt on three cards and two student loans. Should?I get funded through prosper?I will save an est. $400.00 a month.

I then plan to put as much money into 401K that I can and look at other investment opportunities so that I can be prepared for retirement. I am in my early thirties so I want to start getting as financially stable as possible. I received $8,000.00 for my tax return which I just put on debt so I am almost there!!

Paying off my last credit card!

Purpose of loan:
This loan will be used to pay off one last credit card! I have paid off two other credit cards in the last two months and only have one left!

My financial situation:
I am a good candidate for this loan because I am working on getting debt free and have paid off most of my debt other than the house. This is one of my last steps to becoming debt-free. This loan will lower the interest rate on the debt I have left and the interest I pay will not be going to the credit card company!

Monthly net income: $
$2,000.00
Monthly expenses: $
??Housing: $ 555.0 ????
??Insurance: $ 106.00 ????
??Car expenses: $ 200.00 ????
??Utilities: $ 175.00
??Phone, cable, internet: $ 80.00
??Food, entertainment: $ 350.00
??Clothing, household expenses $ 80.00
??Credit cards and other loans: $ 80.00
??Other expenses: $ 0

College senior starting a business

Purpose of loan:
Help start a business www.boulderbooties.com. This money will help pay for IP rights and assist production costs until sales become sustainable. Boulder Booties are a product that protects the specialized climbing shoes that one wears while rock climbing.?The speciallized rubber sole is easily damaged by dirt when worn on the ground while walking between routes.? This damage makes them less ?sticky.??By nature, climbing shoes are very tight fitting, which makes putting them on and taking them off quite inconvenient.?Boulder Booties are a reusable, durable and convenient solution to this problem and increase the life and safety of the climbing shoes.? Boulder Booties has the potential to become a ?must-have? accessory for every rock climber that goes outdoors.?We actually need to generate around $10k but this is our first Prosper loan. You may request our full business plan from me if Prosper allows.

My financial situation:
Have an excellent CR with 0 missed paymnts in 8 yrs.?I am currently a senior in Aerospace Engineering at the University of TN, but I will join the USAF May of this year.?Your money is very secure with me!

Flipping Real Estate - Huge Results

This loan will be utilized to purchase real estate for a quick flip in Phoenix, Arizona. I quit my GREAT job in the beginning of 2009 with PricewaterhouseCoopers, LLP in order to take advantage of the fantastic opportunities that exist in real estate because of the market crash.

Why leave a great job for the unknown? Because there is SO much opportunity in the unknown...once you learn the business. In 2009, my partners and I attracted enough equity partners to purchase 140 homes for cash which were later flipped for a profit.

This loan is a test of the micro-lending platform to see if it is another place for me to start raising capital. I would much rather borrow the funds then have to pay an investor 50% or more of the profits from the deal. As we all know, banks are very tight right now and they do not particularly like people in my business.

I am worthy of this loan because I am a fantastic borrower. I pay on time and this amount is a relatively small amount for me considering our average home price is about $110k.

I appreciate your help - looking forward to showing you how we perform.

Zero Motorcycle loan

I plan to use the money to pay for a Zero DS motorcycle. I have 4 cars and 1 motorcycle which are already fully paid off. My credit rate is still building as I was living in Norway for 20 years and have only been back in the for the last 33 months so its the short credit length that is hurting my score., I have an excellent payment record both here in the US and in Norway and will set up automatic payments.

Paying off credit cards

Purpose of loan:
This loan will be used to pay off my credit cards, the divorce left me with debt and I am trying to pay them off, but the credit card companies are raising the interest rates and it seems all my efforts are going to waste

My financial situation:
I am a good candidate for this loan because? I always pay all my bills in time even if I have to sacrifice entertaintment

Monthly net income: $ 2,850.00

Monthly expenses: $ 2,682.00
??Housing: $ 800
??Insurance: $ 89
??Car expenses: $ 350
??Utilities: $ 75
??Phone, cable, internet: $ 157
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 811
??Other expenses: $ 100

Equipment

Purpose of loan:
This loan will be used to?? to purchase playground equipment for the expansion of my business that I started in my home 10 years ago.

My financial situation:
I am a good candidate for this loan because?? although I have a lot of credit as you can see. I pay all my bills on time and most of my personal credit debt was to expand my business.

Monthly net income: $ 11,000

Monthly expenses: $
??Housing: $ 2900
??Insurance: $ 249.00
??Car expenses: $ 891.00
??Utilities: $ 400.00
??Phone, cable, internet: $ 119.00
??Food, entertainment: $?400.00
??Clothing, household expenses $ 200.00?
??Credit cards and other loans: $?2100?
??Other expenses: $ 500.00

girls gradution

Purpose of loan:
This loan will be used to? spruc up the huose and yard for gradution open huose

My financial situation:
I am a good candidate for this loan because?? i have a prosper loan and never been late

Monthly net income: $ 5200

Monthly expenses: $
??Housing: $ 1386
??Insurance: $ 120
??Car expenses: $ 100
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 100
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 150
??Other expenses: $

High Rate Cards/Taxes

Purpose of loan:
This loan will be used for two purposes... First, I currently have $3200 in high interest credit card debt I am looking to consolidate.? Secondly, I have an $1700 tax bill I am to secure an outside payment source for.? The requested funds will be used for the above purposes.? This is my 2nd time using Prosper.? I paid my first loan down early.

My financial situation:
I am a good candidate for this loan because my self employment status is solid.? I've been employed? nearly 5 years and love what I do.? Outdoor products are seasonal and I'm just now seeing my seasonal upswing in business; after a very slow winter (why the temporary shortfall of cash.)? Even with the economy like it it, it should be a good year.

Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 650
??Insurance: $ 150
??Car expenses: $ 285
??Utilities: $ 130
??Phone, cable, internet: $ 50
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $

Paying Off Bills

Purpose of loan:
This loan will be used to pay off some bills.

My financial situation:
I am a good candidate for this loan because I have had a loan with Prosper before to start my business, and paid that loan off over a year early. Just need a little help to get over a slump. I am a single mom, I had to claim bankruptcy in May of 2006, due to debt I was left with after a divorce. I am trying very hard to increase my credit rating and keep my debt as low as possible. I have a couple of bills that I would like to pay off with this money so that I can be debt free. I paid my bankruptcy off last year in April a year earlier then I was supposed to. I appreciate any help that I can get. Thanks for looking at my auction, if you have any questions please ask.

Monthly net income: $ 904.00

Monthly expenses: $ 775.00
??Housing: $
??Insurance: $ 70.00
??Car expenses: $ 385.00
??Utilities: $
??Phone, cable, internet: $ 120.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 200.00
??Other expenses: $
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Paying off my credit cards

Purpose of loan:
This loan will be used to pay off my credit cards, and school loans.

My financial situation:
I am a good candidate for this loan because I will use it responsibly, and pay it off in a timely manner.

Monthly net income: $ 1900.00

Monthly expenses: $
??Housing: $ 535.00
??Insurance: $ 97.00
??Car expenses: $ 100.00
??Utilities: $ 50.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 250.00
??Other expenses: $ 50.00

Consolidating Credit Cards

Purpose of loan:
This loan will be used to? consolidate my credit card accounts
My financial situation:
I am a good candidate for this loan because? I do show good payment history and can pay off this loan in a few years, much less than if I do not consolidate.? I would like to free up my debt as? soon as possible.

other

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?

Student Debt Consolidation

Purpose of loan:
This loan will be used to consolidate credit card and student loan accounts to a manageable rate.

My financial situation:
I am a good candidate for this loan because I have never missed a loan or credit card payment, own a home and have a well paying job.?I appreciate your support as?I strive to?become debt?free and reach my personal and financial goals!

Reinvesting in Prosper Loans

Purpose of loan:
This loan will be used to reinvest in Prosper.

My financial situation:
I am a good candidate for this loan because I don't need the money. My?wife?and I are extremely responsible with our finances. We will have over $200,000 of equity in our house and will have it paid off in another few years.? My car is paid off.? I own a boating business?that I paid off the land and buildings?the first year?and showed profitability the second year.? I have chosen to reinvest most of the money the business makes instead of taking it as income.? I would rather invest in my future instead of pulling a bunch of profits out when I don't need them.? I also have a large 401k from my previous employer where I worked as a mechanical engineer.? My personal credit rating is over 800!? For some reason Prosper shows that my credit has gone down, but they base this number on how much you are attempting to borrow on Prosper versus monthly income.? The first decrease was given at the time of my second loan and the current decrease is because of listing this loan.? I have never been delinquent on any?loans and?pay off my credit cards every?month.? My only other mandatory expenses are my mortgage and utilities.? This is my third Prosper loan.? I have already paid my first Prosper loan off in full,?and I am now eligible for another loan.

I have been successful with my first two loans and would like to continue with these win-win loans!

consolidate

Purpose of loan:
This loan will be used to consolidate?and pay off?some bills and pay off higher interest loan.

My financial situation:
I am a good candidate for this loan because I am a full time employee that has been making $125,000 to 200,000 per year.?? I am in good standing with all current bills and do not miss payments.

Pay for Grandsons college

Purpose of loan:
This loan will be used to pay for my grandsons college

My financial situation:
I am a good candidate for this loan because? I have good credit and always pay my bills on time plus I been at my job for 10 years and make good income.

Consolidation of Credit Cards

Purpose of loan:
This loan will be used to consolidate small balances on store cards and major credit cards.

My financial situation:
I am a good candidate for this loan because I currently work full-time as well as work part-time as a restaurant server to earn additional income.? I am financially independent and keep current with my financial responsibilities.? I share an apartment and all expenses?with my fiance and our one-year-old son.? We are both employed and working toward paying off high interest debt.

Monthly net income: $
Net take-home (monthly) from my full-time job = $1500 (this does not include commission and other incentives based on sales.)
Net take-home (monthly) from my part-time job = $600

Total monthly income = $2,100

Monthly expenses: $
??Housing:?$285
??Insurance: $50
??Car expenses:?No car payment?
??Utilities: $90
??Phone, cable, internet: $110
??Food, entertainment: $300
??Clothing, household expenses $250
??Credit cards and other loans: $300?

Total monthly expenses:? $1,385

Home Improvements

Purpose of loan:
This loan will be used to?? do some improvements around the house

My financial situation:
I am a good candidate for this loan because? I have a good credit rating it has dropped lately because so many inquiries trying to find best loan for me.

Monthly net income: $ 5000. I have employment and retirement both over 30000/ yr

Monthly expenses: $
??Housing: $ 630
??Insurance: $ 130
??Car expenses: $300
??Utilities: $ 0
??Phone, cable, internet: $70
??Food, entertainment: $ 100
??Clothing, household expenses $100
??Credit cards and other loans: $ 500
??Other expenses: $ 0

Improving Credit Score

Purpose of loan:
This loan will be used to? icrease my credit score.

My financial situation:
I am a good candidate for this loan because? I am a responsible borrower who has more than enough in my savings account to repay this loan.

Do you ever feel like screaming ??

Purpose of loan:
I will payoff misc?debt that was incurred due to recent job loss

My financial situation:
Do you ever feel like screaming like one hurdle after another appears before you ??You can't get ahead ? And you just need someone to give you a chance ?
That is why I have come to prosper....Hope you can help me out !

In 2006 due to dropping condo values in So Cal, I attempted to sell my condo, but the interest rates on my variable rate loan killed me and I was forced into BK.
This was discharged in 2006. My lawyer said he had never seen anyone that was not late on even one bill filing BK !
I always pay early and above the minimum payment, but now I would like to pay several small outstanding bills off and increase my scores...
I do hope to buy a home again someday...I plan to pay off this loan in 24 months at the most. My loan will probably be the lowest risk loan you take !!

I?am a college grad and have been in the hi tech field for over 20 years. I have had a consistent job history until Jan 2009 when I was laid off after 9 years...
Went on unemployment but quickly?became employed by May 2009,?although taking a 20%?lower salary to get back in the work force.
I am interviewing currently for a higher paying job by transitioning to the health care?sector with companies such as?Qual Comm, NuVasive, ResMed, GenProbe and others.
I expect to increase my salary by? 5 - 10% in the next 3 to 6 months.?

I currently rent a 2 bdrm apartment?with a roomate, have been at the same address for 4 years.?
I am in good health and have no?children or other dependents.?(Except for my 19 year old cat Tasha shown here in my photo !)

THANKS IN ADVANCE FOR YOUR CONSIDERATION !!

?Monthly net income: $ 3600.00 + $1200 (Roomate) $4800.00

Monthly expenses: $
??Housing: $ 1800.00
??Insurance: $ 125.00
??Car expenses: $600.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 250.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 250.00
??Other expenses: $ 150.00

*Re-List* Moving costs and computer

Purpose of loan:
My boyfriend and I are moving into a new apartment and although we are excited for the change, we do not have the full amount required for the move in amount, since we still have to pay rent at our old place and will not get our old deposit back in time. At the same time, our computer is on it's last leg and it is crucial to my boyfriend's employment since he works from home.


My financial situation:
I am working very hard towards building good credit. Although I may be represented as High Risk, it is due to lack of credit history as?I started late since I did not get my first credit card until after college.?I have been doing what I can to build it up and have even received a Prosper?loan and already paid it off. ?

Monthly net income: $ 2,600
My boyfriend's net income is 3,600 and he will also be contributing to pay off this loan.

Monthly expenses: $ about 1250 is my share.
??Housing: $?700
??Insurance: $?140
??Car expenses: $ 100
??Utilities: $?30
??Phone, cable, internet: $?70
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $?200
??Other expenses: $

Pay off credit cards and medical

Purpose of loan:
This loan will be used to? to pay off my medical bills and credit cards

My financial situation:
I am a good candidate for this loan because? I always pay my bills on time.?

Monthly net income: $ 3548 with my overtime and 2400 without my overtime

Monthly expenses: $
??Housing: $ 770.00
??Insurance: $ 110.00
??Car expenses: $ 322.00
??Utilities: $ 100.00
??Phone, cable, internet: $ 130.00
??Food, entertainment: $ 450.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 300.
??Other expenses: $ 30

Good People---Poor Quality of Life

Purpose of loan & Our Situation:
This loan will be used to consolidate debt.? We have had a rough time over the past few years.?? I had open heart surgery to replace a pulmonary valve.? I went to the Mayo Clinic, which is #1 in heart surgeries, but my insurance didn't cover everything....so I chose life, over the financial burden it put on my family & myself.? I have been married for five years and have a three year old daughter.? I am looking for this loan to consolidate higher interest rate debt that we have accumulated due to my heart surgery.? We are good people---we work hard, both have full-time jobs, my wife has a second job, we are Christians and treat people the way we want to be treated.? We do our best to uphold our high morals and integrity....even when life brings us down.?? Money isn't something someone should have to stress over.? This isn't our main focus in life and we are generally happy, but our quality of life would be greatly improved with this loan.? Anything anyone can do to help us would be greatly appreciated.?? No taglines---- all we have to offer is the truth.?

Annual incomes:?
Mine:? $40,000
Wife:?? $30,000?

Monthly expenses: $
??Housing: $1450
??Insurance: $150
??Car expenses: $400
??Utilities: $400
??Phone, cable, internet: $200
??Food, entertainment: $200---right now we use credit cards....we don't have anything else?left after all the bills are paid?
??Clothing, household expenses $200
??Credit cards and other loans: $1500??(the minimum payments are outrageous)
??Other expenses: $800?? (daycare- my wife?& I both work full-time)

Pay off CCs, Home Improvement

Purpose of loan:
Last year?I did $10,000 worth of work on our home (kitchen and basement remodeling job).? I?have paid off over half of this amount, but?my 0% interest rate ends in June.? There is a total of $4,500 remaining on this promotional account.??I would like?to pay this off in advance, so I am not charged the back interest on this account.? My preference is to use Prosper for this loan and not tap into my 401k account.? I am also requesting an additional $1,500 so that I can finish remodeling our bathroom and keep it all in one loan.? My previous loan with prosper #7506 was paid in full with 35 on-time or early payments.

My financial situation:
My monthly bills are as follows:
Rent/Mortgage $500
Insurance $120
Water, Gas, and Electric?$200
Food $200
Entertainment $110
CCs - With special promo rate?$200
Student Loans - $85
Cell Phones - $100
Internet / Cable? $110
Both of our vehicles are paid off in full
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Total Monthly Bills --> $1625

My take home pay is $2400 per month.? This loan would eliminate the $200 payment above.? Leaving $975 a month to pay towards this loan.

Wood Fired Pizza Catering Company

Purpose of loan:
This loan will be used to? Help start a very unique mobile pizza catering business...
A quick Google search tells the tale. Neapolitan style pizza has exploded over the past year or so in this country. New York magazine actually called it a ?revolution? and it?s picking up speed. Pizzamarketplace.com listed this style as one of the best things of 2009, as far as earning potential in the pizza business.

The mobile?pizza catering business?
I have been researching this business over the past year. I have read everything available on the subject, and have made connections with many many people who are doing this across the country. The people I have learned from are very successful pizza caterers. I have gone to visit them, picked their brains, cooked in their ovens, found out how they market their services, and how they make money. Pizza?has very high profit margins, and is?also the most loved and consumed food in the country!




My financial situation:
I am a good candidate for this loan because? I will have?about double the?amount invested that?I am asking from the Prosper community.The business will not conflict with my day job (catering is primarily nights and weekends), and I won't take any?profits from?the business?until after my Prosper loan is paid. This will allow me to focus on running and growing the business the right way. My current?salary is strong and is enough to support my family. My employment is very stable.?First year sales are projected at 70k with a profit margin of 45%. This is a true passion of mine that I am turning into a business. This passion combined with my sales and managerial skills will help ensure my success. Thank you!

*By the way* The amount deliquent on my Prosper rating is an old collection that I had nothing to do with. I have disputed it multiple times, but cannot get it removed. I have not had any late payments in years.

Consolodate THIS

Purpose of loan:
This is a plain and simple credit card debt consolidation loan.? With the passage of the CARD act, all of my credit cards have been repriced under broad-based repricing strategies and thus, I am looking to consolidate and pay down the remaining balances

My financial situation:
I am employed as a financial analyst and am ALWAYS on time will all payments and have never defaulted on a loan of any type.? I only have this credit card debt and a mortgage.? My car is fully paid off and I have no student debt from college, no medical debt, or any other debt obligations.? Currently the weight averaged APR on my outstanding balances is at 16.42%.? I work as a financial analyst and am currently a contractor.? I have been at my current contract since January and will be on this contract for the next 18 - 24 months at which point I will begin another one.?

I should be able to pay back this note in less than the 36 months required.

Take Home Pay (after taxes, fica, ss, etc) ~$5,000 I bill hourly, so it varies month to month within about $200 or so, but $5000 is a good round estimate
Expenses
Mortgage - $1650
Utilities - $100
Electricity - $65
Cable/Internet- $106
Cell Phone - $70
Credit Card Minimums - $488 I usually pay way way more than the minimum.
Total Expense ~ $2479 There are no other debt obligations

Save the Oceans

Purpose of loan:
This loan will be used to expand my current aquarium?maintenance business into coral fragmentation.? I have over 15 years experience working with saltwater aquarium animals and have been self-employed since 2004.? My father and I have now discovered the world of coral farming and are working together to make it a profitable business.? This money will be used to purchase additional inventory as well as build a bigger holding unit for the corals.? By growing coral, we help the environment and preserve the oceans.? We will be selling online, ebay and a website www.bluethumbfrags.com, as well as filling orders for my current maintenance customers.? I have a Bachelor's Degree in Business Marketing and the drive and skill to suceed in this business, but I need a little help to get it started.??If you have any questions, please ask.? If this listing doesn't get 100% by the time it ends, check back the following week for the same listing if you would like to re-invest.? Thank you.

My financial situation:
When I was in college, I racked up a lot of credit card debt that hurt me, but I am in a much better financial situation now.? I have paid off both of our vehicles and my wife has a great job.? I have already put in over $2000 of my own money over the last few months and I am confident that I can pay off this loan in the first year.

Monthly net income: $ 4000

Monthly expenses:?
??Housing: $ 600????
??Insurance: $ 70 (car insurance)
??Car expenses: $ 200 (no car payments, just gas)
??Utilities: $ 225
??Phone, cable, internet: $ 140
??Food, entertainment: $ 600
??Clothing, household expenses $ 100
??Credit cards and other loans: $?550 (student loans)
??Other expenses: $ 200

Kill these payday loans, please!

Purpose of loan:
This loan will be used to?pay off EXTREMELY high interest payday loans. I now realize I should have NEVER taken them out in the first place, if only I had known about Prosper first! But our central heat and air went out back in January, and I wiped out my savings to pay for the new unit, but still came up short...and like an idiot took out the payday loans to cover the balance. Now I am drowning, paying only their high interest each month.
My financial situation:
I am a good candidate for this loan because?I have good income at a very stable job, been there for 15 years!?My salary?is?paid via electronic direct deposit on the 1st and 15th of each month, and my net pay for the month is just slightly over $2500. The only expenses I have are my mortagage, insurance and a truck payment that will be paid off this summer. My wife pays for our utilities, food, and credit cards with her salary.

Monthly net income: $ 2500

Monthly expenses: $
??Housing: $ 730
??Insurance: $ 131?
??Car expenses: $ 358 (balance is under $2000 and then my truck will be paid off)

Mainly improve credit score

To whom it may concern,

? I am taking out this loan for the main purpose of improving my credit score and the minor purpose of fixing up my family's recently purchased house. It is a great investment opportunity for you as there is no risk involved. I have a full time job as a carpenter making $25 an hour, have 2 savings accounts with over $7000 in them and am investing in a house in Des Plaines. I don't really have any expenses other than my insurance, cell phone and car payments. All of my other money I am either saving or putting into the house I am fixing up to sell.

??? I have only taken out 1 loan before and that had to be done with a cosigner because my credit was too light. The loan was for the 2007 Pontiac G6 that i recently purchased. I am about half way finished with paying that off but my credit remains very light and my score is only 700. I would like to be able to get a loan by myself and after paying off this loan my credit score should get a lot higher. Lending to this loan will help both of us out and be a great and safe investment for you.

Thank you for your time and help.

Sincerely
JMG