Sale of house difference

Purpose of loan:
This loan will be used to assist in selling my current house. I relocated 13 months ago, placed my house on the market 1 year ago in an attempt to sell. As I relocated I remained current on my mortgage and refused to follow what the rest of Americans were doing, going into forclosure or short selling their house. So I am currently looking at closing the gap with my current mortgage company as I accepted an offer for less than what I owe. Since I am current on my mortgage and have had no mortgage payments late my only option is to find a company that will lend me money so I can be free and clear of my current obligations.

My financial situation:
I am a good candidate for this loan because I am attempting to do the right thing by paying off my house. I accepted an offer based upon the current market after trying to sell it for 1 year. I have never been late on my mortgage even after relocating and moving out of my house. I relocated due to accepting a promotion with the company I work for and have had an increase in my annual income each year. My recent promotion increased my salary from approx. 60k to 90k+. My credit score is excellent with a mid line in the low 800's. Please consider my loan based upon attempting the right thing vs. the rest of Americans who have foreclosed on their homes or have defaulted on loans because of overextending themselves.

Washing away my problems

Purpose of loan:
This last year has been financially demanding as a homeowner.?? Besides replacing my water heater with the help of my previous Prosper loan, I've since had to replace my 25 year old electric range, renovate a flooded out bathroom, replace a 10 year old clothes washer, and buy some additional furniture to accommodate my girlfriend and kid who've moved in with me.? All told, I've run up about $5000 on my credit card for these home improvement related items that I'd like pay off with this loan.?? No one item was really worth getting a Prosper loan, but all put together makes much more sense to pay on a fixed term loan instead of the credit card.? Note that I do not intend on paying off the existing Prosper loan with this loan.

My financial situation:
Monthly income after taxes is approximately $5000.Since my last loan I received a promotion, bought a more family oriented car, and have had my girlfriend and kid move in with me.? These factor in the differences in income and expenses previously listed.

Fixed Monthly expenses: ~$4400
Housing: $1900 (including mortgage, property tax, etc)
? Car expenses: $800 (including loan, gasoline, maintenance)
??Utilities: $300-$400
? Food, entertainment: $500
? Misc $100
??Credit card: $700 ($350 minimum)
? Current Prosper Loan: $61

Buy a bar just paying back taxes.

Purpose of loan:
?I have an opportunity to by a Bar & Grill for just the cost of paying off back sales tax of $9,125.00 + transfer fees of $1,500.00.
Once the transaction is complete I would own the bar outright.
I need to pay the back taxes by January 18th, 2011.


My financial situation:
I am a good candidate for this loan because I have experience running a bar. The current owner got into personal financial problems, and stopped paying sales tax.
Now the license?can not be renewed?or transfer until the back tax is paid.
The public record informatin is for a tax lien filed for taxes that I did not know I owed. I payed the taxes off 3 days after notfication of the lien.?

Buying A Franchise

Purpose of loan:
This loan will be used to buy a franchise in the appliance repair industry.?

My financial situation:
I am a good candidate for this loan because I have 10+ years of experience. I have worked for various appliance repair companies in the New England area.?

Monthly net income: $ 4,166.67 before purchase of franchise after will average around 8,000 a month

Monthly expenses: $?1510.00
??Housing: $ 600.00
??Insurance: $ 100.00
??Car expenses: $600.00?
??Utilities: $ 0.00
??Phone, cable, internet: $?60.00
??Food, entertainment: $?150.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 188.00?
??Other expenses: $ 0.00?

Growing my bulk vending business

Purpose of loan:
I have had two previous Prosper loans for this same purpose.? One has came to full term and is completely paid off with no late payments.? The other is still active and current with no late payments.?

Once again, I intend to use this Prosper loan to increase the number of vending machines and product.? This is a viable business that works well for me and I have proven that I can make a good business out of it.? I just want to grow bigger than I am already.? I have had this business for 5 years now and will be in this business for many years to come.? In 2007 when I got my first prosper loan, the business grossed $3500 for the year.? 2008 saw it at $5200, and this year to date is already at $6000 gross.

My plan for the money includes the purchase of new equipment; 60 small toy vending machines and enough toy product to fill them for 2 service cycles.? Based on my existing income from similar machines, I expect to receive about $30 a month gross from each machine.

My financial situation:
All of my other accounts are, and have always been up-to date. I keep my business accounts separate from my personal accounts, and I reinvest 100% of the profits back into the business.? Tax records can be provided on request.? My business currently enjoys an income of over $650 a month gross, and even with the previous Prosper loan payment, it can pay for a new Prosper loan with ease.

Monthly net income: $7,000 (From my JOB ONLY, not from the Vending business) but it does include my wife's income and child? support.? I pay $600 a month for child support, but that comes off the gross, not the net shown above.? So the $7000 is with the child support already removed.? We have a 4 kids so the household and grocery expenses are kinda high.

I recently changed jobs within my career, and enjoy an increased yearly income.? It went from $74k/yr to $80k/yr.

Monthly expenses: $5800
Housing: $ 1,300 rent
Insurance: $200 - 3 drivers
Car expenses: $450 (1 active loan, one car loan that has been paid off since my last prosper loan)
Gas: $250
Utilities: $450
Phone: $200 (6 phone family plan)
cable, internet: $75
Food, entertainment: $700
Clothing, household expenses $1200
Credit cards and other loans:
?3 loans, 4 CC's??
Loan #1: $240.00/mo
Loan #2: $212.00/mo
CC #1:?? $100.00/mo
CC #2:?? $ 30.00/mo
CC #3:?? $ 15.00/mo
CC #4:?? $ 15.00/mo

combine Bills

Purpose of loan:
This loan will be used to? Pay off two cards and help my son with his car, after Christmas and my own auto problems I cleaned out my emergency fund.

My financial situation:
I am a good candidate for this loan because? after a divorce I had to file for bankrutcy and bad advice from my lawyer gave me two months of late payments, other than that low point in my life I've always paid my bills on time. My credit score is coming back and I own my house. This will be a great investment for you.

Monthly net income: $ 3800

Monthly expenses: $ 2211
??Housing: $ 750
??Insurance: $ 100
??Car expenses: $ 176
??Utilities: $ 225
??Phone, cable, internet: $160
??Food, entertainment: $ 300
??Clothing, household expenses $100
??Credit cards and other loans: $ 300
??Other expenses: $ 100

Q: Can you please provide: 1. The total mortgage balance (including 2nd/heloc) on you home 2. The market value of your home (use zillow.com if unsure) - kindness-launcher

A: 1)total mortgage is 68 thousand, 2)recent apprasial says its worth $115, 000, Zillow about $106,000 This was a hud forclosure, and I'm kinda handy so I invested about $15000 of my own money and on paper now have about $45k equity, but also leaves me cash poor. (Jan-11-2011)

Pay off credit cards

Purpose of loan:
This loan will be used to consolidate high interest credit card debt and pay off within 3 years.

My financial situation:
I am a good candidate for this loan because of excellent credit history since 1990 and I've never missed a single payment in over 20 years of continuous borrowing, and often paying more than the minimum monthly dues.

"Bridge the Gap" Before Tax Return

Purpose of loan:
This loan will be used to? Bridge the gap prior to receiving this year's income tax return.? I had to use the plastic a little more than I wanted to over Xmas and want to try and save a few bucks by achieving a better rate loan.? Most of this occurred because of an unplanned insurance deductible for a a new roof on our dwelling.? I am a teacher and have good employment. Thanks for looking, and please contact me with questions.

My financial situation:
I am a good candidate for this loan because?I have consistent employment, and have a high desire to pay back this loan early.

Monthly net income: $2400

Monthly expenses: $
??Housing: $1006
??Insurance: $ 138
??Car expenses: $
??Utilities: $190
??Phone, cable, internet: $ shared
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ school 152
??Other expenses: $

Replenish Inventory

Purpose of loan:
This loan will be used to replenish my company's inventory after the holiday season.

My financial situation:
I am a good candidate for this loan because my business is growing steadily. Even though my business is stable, banks and credit card companies continue to cut our credit lines, making it appear as if I have been using all of my available credit, which is not the case at all. In my business, we need our credit lines to purchase inventory on a recurring basis, and have never had a problem with repayment. Now we cannot purchase what is needed due to the bank's lending reductions.

Monthly net income: $ 9000.00

Monthly expenses: $
??Housing: $ 1150
??Insurance: $ 350
??Car expenses: $ 600
??Utilities: $ 274
??Phone, cable, internet: $ 300
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 3000
??Other expenses: $ 300

Q: Can you please provide: 1. The total mortgage balance (including 2nd/heloc) on you home 2. The market value of your home (use zillow.com if unsure) - kindness-launcher

A: I own multiple properties, but my primary residence is owned in conjunction with other family members. The home is valued at $850,000-$900,000. The loan on the property for which I am responsible is $199,000. There is another loan on the property for about $300,000, but that loan is not mine. Thank you for your interest! (Jan-11-2011)

Q: what kind of business is this? what was the growth rate for the last few years and projections for next year? - witty-openness

A: I own an ecommerce retail company. My company is fortunate enough to be in a niche market with few competitors. I first launched this business in 2005, and the company doubled it's business for the first three years. In 2009, the economic conditions slowed our growth to 21%, and for 2010 business was up by 10%. Assuming we can manufacture the inventory we need, albeit in conservative quantities, I am projecting a 33% increase for 2011. Thank you! (Jan-11-2011)

Vacation Rentals Renovations

Purpose of loan:
This loan is for capital improvements and?furniture for a newly acquired startup business?of owner operated vacation rental units. I currently manage at 100% occupancy during prime season with a very, very good annual return on investment for another owner at a National Park entrance lodging property. Even with a slow economy, summer business is booming here. In addition to continuing to?manage this other property, now is the time to invest heart, head and hands (and additional capital) in my own business. Thanks very much for your support!

My financial situation:
As my credit rating shows, I am a good candidate for this loan.?I have two sources of income and reserve capital,?all my monthly payments are set up for automatic bank withdrawal, and over the past several years I've never missed a regular monthly payment.