Educational Software Company

Purpose of loan:

The purpose of this loan is to successfully market and distribute 2 educational software packages. Currently, I have developed and designed 2 educational products. The products are software based. Therefore, the cost to produce each product is minimal. I have over 7 years of experience in the field of instructional technology. Furthermore, I have over 3 years experience with direct marketing, as well. Therefore, effectively and efficiently marketing these educational resources is the clear goal.


My financial situation:
I am a great candidate for this loan because I will be receiving residual income from another source. Furthermore, software is a very profitable industry, even when started on a small scale. Due to the profitable nature of software, I will be able to generate profits in the range of 6 to 7 digits. I promise to eat, drink, and sleep the administration and marketing of each product package.



Monthly net income: $ Monthly net income: My monthly net income currently fluctuates below $750, however, I live at home which has minimized costs and allowed me to produce two products that are needed in the educational marketplace.
Thank you for your time and consideration

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 160
??Car expenses: $ 247
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 180
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 170
??Other expenses: $ 0

Paying off a high interest card

Purpose of loan:
This loan will be used to pay off a card with a 19% interest rate.?

My financial situation:
I am a good candidate for this loan because I always pay all of my bills on time and pay off more than the minimum. I have steady employment and would greatly appreciate this chance to improve my financial situation by paying this bill off sooner than I would normally be able to (due to the skyrocketing interest rates and through no fault of my own. I've always been a good customer to them. I guess that is just the state of the economy).

Thank you for your consideration.

A cop looking for help

Purpose of loan:
This loan will be used to? finally get out from under my high intrest credit cards.? Get on a better path for my family and be truly debt free.? I was forced to use my credit cards to pay medical bills when?I injured my wrist.? It makes me sick to see all that intrest money going to some faceless company that changes the rules whenever they feel like it.? I would much rather give that money to the people and partners of Prosper.??This loan will be used to pay off my credit card with my medical bills on it..? One in the amount on the card is?$5160.? The rest of the amount?I already have.? Thank you for your time.

My financial situation:
I am a great candidate for this loan because? I pay my bills on time and have a great and stable job as a State Trooper.? It is part of my job to be financially responsible and?pay all my debts.? Because of the schedule my job allows, I am taking on a part-time job to get out of debt even faster.? I bought a house?last year and can't wait to improve it once I am out from under these credit cards.

Monthly Income: $ 3560 minimum (I generally have?2-5 hours of overtime per month).

Monthly Expenses: $2905

House: $1200
Cars: $459
Phone/TV/Internet: $90
Utilities: $120
Food/Households: $400
Insurance: $86
Credit cards: $550

Paying off car and cards

Paying off truck and 2 credit cards to improve my credit for a house in the future.? I am very secure in my job and almost to pay off my first prosper loan with 100% ontime payments.?
Debts:
Rent: 450
Utilities:150
Phone: 50
car payment:320
Credit cards: 250
Prosper loan: 115
Stud. loan: 82?
Misc:?250???
Total: 1670
Income: 2200

Need to pay business bills

Need to pay off business loans. Had a success loan on here before for $7000 that was just paid off a few months ago.

Duplex with $800/mo Cash Flow

The purpose of this loan is to remodel my recently purchased duplex.

This loan is a good investment because the funds will be used to generate a positve cash flow from the rental unit.

Here's how the loan will be used:

I am a first time home buyer and I just recently used my "First Time Buyer" status to purchase a foreclosed duplex at a great price.? It was foreclosed through Fannie Mae, so they even financed the loan for me.? It needs some minor cosmetic work to get it rent ready.?

This loan will be used to fund the minor repairs and generate a positive cashflow.
?-? Fannie Mae's loan only covers the purchase price.
?-??I've spent the past four months paying the credit card down to nothing... I'd like to keep it that way.
?-? My current rent is $970/month, but that will be eliminated once I move into the duplex.?
?-? My new mortgage payments are $820/month and the other unit (once it's fixed up) will rent for $1090/month.

So the duplex has a positive cashflow of $270/month and I have eliminated my former rent of $970, for a combined total of $1240/month extra in my pocket.? Even with a $400/month prosper loan payment, I will increase my personal cash flow by over $800/month.

Conclusion: Most loans you've looked at today, are for consumer spending, or reducing existing debt.? This is the best type of loan available because it will be used to generate a positive cash flow.? Thanks in advance. PS - I'm sure?Prosper will give this a lower rank because of the loan amount.??Just out of curiosity, I played around with the loan amount to see how it impacted the rating...? if I had?listed the loan for $3K, it would have been an "A", and $5K bumped it to "B".? I also just learned about the $79 delinquent item when I went through the mortgage application process.? I'm not sure where that's from and I'm working to have it removed from my report.

Former Borrower/Paying off CCs

Purpose of loan:
This loan will be used towards paying off one credit card at a time. I cut up three of the cards last fall without regret. The balances on those three are slowly being reduced, which thrills me to no end.

My financial situation:
I am a good candidate for this loan because? having been a former borrower and paying off the loan here in due haste, my standing with Prosper is very good. This is now my 3rd attempt to get a loan; each time I've asked for a reduced amount in the hopes that I would finally get one. Like the first time, I would pay this off very quickly as well. But in the meantime, paying these off would mean so much to me, as I have several goals I've set up for myself; that is, to run my own business - a consignment store out of my own home. I have very strong retail sales skills and this would prove beneficial towards what I am trying to achieve. I've got my eye on the ball, so with this said, I am going full steam ahead, with or without a Prosper loan -

Thank you for reading this and giving consideration towards helping me achieve my goals.

Monthly net income: $ 2772.00

Monthly expenses: $
??Housing: $ 375.00
??Insurance: $ 115.00
??Car expenses: $ 200.00
??Utilities: $ 115.00
??Phone, cable, internet: $ 90.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 463.00
??Other expenses: $ 50.00

Continuing the Work

Purpose of loan:
I am looking to continue renovating the home I currently live in, while consolidating some of the previous debt related to renovations.? It seems that as one issue is fixed another arises and often cost more than is originally expected.

My financial situation:?

I am a good candidate because in June of 2009 I took a promotion at a large healthcare provider as a senior accountent?currently make $55,200 and by receiving this loan?it will?allow me continue the required renovations. I realize the responsibility I have taken on and?understand the need to payoff my debts to keep my credit score up.

Monthly net income: $ 4,246.00 (approx. before taxes)

Monthly expenses: $
??Housing: $?1100.00
??Insurance: $?70.00
??Car expenses: $?50.00
??Utilities: $?250.00
??Phone, cable, internet: $?100.00
??Food, entertainment: $ 150
??Clothing, household expenses $?150
??Credit cards and other loans: $ 250
??Other expenses: $ 0

Can you please help us ?

Purpose of loan:
This loan will be used to? to consolidate and CANCEL credit cards and to make our debt one easy payment per month. Any help is greatly appreciated

My financial situation:
I am a good candidate for this loan because? We are current on everything. We also have a 36 month prosper loan that is almost paid off..(2 months left )
Monthly net income: $
5,500.00
Monthly expenses: $
??Housing: $ 850
??Insurance: $ 130
??Car expenses: $ 205
??Utilities: $ 40
??Phone, cable, internet: $80?
??Food, entertainment: $100
??Clothing, household expenses $100
??Credit cards and other loans: $100
??Other expenses: $50

Hope

Purpose of loan:
This loan will be used to?complete the amount I need for a down payment on a mobile home and buy in time to receive the present tax credit?

My financial situation:
I am a good candidate for this loan because I work full time as a registered nurse, don't have a car loan, will get the tax credit and receive $5000 back in tax refund, can very comfortably make all payments on this loan,?need the loan because I decided to buy the mobile home before the tax credit opportunity ends?

Monthly net income: $ 3100

Monthly expenses:?$2600

Moving Costs

My name's Vince. I'm 28 and I've spent the last year working as a Producer's Assistant on a major motion picture. I'm originally from Pittsburgh and will be returning? there in October to take on a new career in the Entertainment field. I started with Prosper just over a three years ago and experienced great success with the service. I took out a loan to consolidate debts on two occasions and successfully paid off in full ahead of schedule. Now I'd like to take another loan in order to help with some moving costs and some unexpected repair work needed on my car before I make the drive cross country.? My job in the film business is the budgeting and management process of multi-million dollar movies. If the studio can trust me to be financially responsible, can't you? Please feel free to email me with any other questions or concerns. Thank you for your consideration.

Tax Preparation Operating Costs

Purpose of the loan:

I plan to use this loan to fund the operating costs of my very small tax preparation business.? I don?t need this loan but the alternative is using my own family funds.? There is no pressure for you to bid on this loan.? I can make it work without this loan, but if I do get funded, I expect to?pay it off pretty early.??I?m very conservative, so I don't borrow money very much.? I think that is why I have a D credit rating.? I have never defaulted or made a late payment in my life.?

I tend to pay off all my loans and credit cards really fast. ?The only debt I have currently is my mortgage with a balance of $44,101.07, an installment loan?with a balance of $2,788.31?and a?credit card with a balance of $1,441.55.? I have quite a few credit lines in my credit report, because I had lots of credit cards and lots of fun closing them to get a new one with a zero percent interest rate.

Financial situation:

I have a steady job but I only make $23,000.? Because my income is low and I have two kids, I?always?receive an Earned Income Credit around $3,500?which is part of?my tax refund.? If you still think?my income?is too low, then you should not bid on this loan. ?The company I work for has been around for 56 years.? The original founder is still the president.? I don't forsee?the company being closed.? I think they?know how to run the place really well.? ?I live in a military town.? We are kindly immune to economic downturns.?

Since I have very little debt, my only firm financial commitments are a?mortgage, utilities, gasoline the two debts I mentioned, and?food.? This leaves me a few extra dollars.? ?I could cut back on $35 of food to pay this loan.? I probably eat too much of it anyways.

Monthly net income: $1680
Monthly expenses: $1582.93
??Housing: $442.60
? Insurance: $100.00
? Gas: $80.00
??Utilities: $180.00
??Phone, cable, internet: $120.00
? Credit cards and other loans: $160.33
? Food & Entertainment:??$300.00
??Left over:? $200

Help with auto repair

Purpose of loan:
This loan will be used to make?a?fairly major?repair on my vehicle. I need to replace my?rear control arm on the front passenger side.? I am asking for this loan in order to be pro-active on the car repair and avoid further repair/damage.

My financial situation:
I am a good candidate for this loan because I have a good track record for repaying debt. I have paid off several student loans, two car loans and I am?in the process of?repaying my?last Prosper loan. With my recent raise I should be able to accelerate payments on my debt in the next months. Due to some unexpected expenses this summer I have not yet been able to build up my emergency savings?with this recent raise to?cover this auto repair.?I also have a great track record of timely payments have never been delinquent on payments. I am dilgently working to repay my credit cards?that have some high balances?and have even closed some accounts, which is why I am asking for this loan as I want to avoid incurring any additional high interest?credit card debt.

I hope you can help me out.

Monthly net income: $ 2640
Monthly expenses: $2346
??Housing: $894? (mortgage + condo fees)
??Insurance: $50
??Car expenses: $100 (gas & insurance)
??Utilities: $55?
??Phone, cable, internet: $40
??Food, entertainment: $200
??Clothing, household expenses $50
??Credit cards and other loans: $887 (credit cards & student?loan)
??Current?Prosper loan: $70
??Other expenses: $

grow my DJ/Karaoke Business

Purpose of loan:? Purchase more equipment to fulfill the new contracts I have.

I?own a DJ/Karaoke?service alled Mobile Sound Perfection.? You can view my mysapce page at www.myspace.com/mobilesoundperfection.? I started my?DJ service?back in Feb 2007.? The first prosper loan I applyed for was for 1000.00 dollars and that was for equipment.? Well here I am again in need of more?equipment.? I would rather pay the interest to my fellow peers than the credit card companies.? My DJ?service is growing faster than I can keep up.? Not a bad problem to have.? I will use the money for more equipment and advertising????
My financial situation:
I am a good candidate for this loan because I have had?a prosper loan in the past but have paid it as promised.? I have never been late and am never late on any of my other payments.? My debt to income ratio is?only 18%.??

I am the?Workers' Compensation & Disability manager?for IC of Oklahoma and have been for almost?9 years.? My wife just received her degree in elementry education from NSU and should start teaching within a month or two.? That will add an additional 32,000 to our income.?

Monthly net income: $

65,000 per year?from IC of Oklahoma?and?24000 per?year from my DJ business and soon will add 32,000 when wife gets her teaching?job.?

Monthly expenses: $
??Housing: $ 1310
??Insurance: $ 106
??Car expenses: $ 291
??Utilities: $ 200
??Phone, cable, internet: $ 160?
??Food, entertainment: $ 350
??Clothing, household expenses $ 150?
??Credit cards and other loans: $ 150?
???Company Credit Card: $ 200?


Total $ 2917.00 in monthly expenses.
$1000.00 per month goes into college savings for my kids.? I have 3 girls.

$3917.00 total out of pocket per month


Pay after taxes per month?5211.00 from IC of Oklahoma.? Pay after taxes? per month from DJ service which is growing, $1,600.00.
Total monthly income after taxes is $6,811.00.? This doesnt take into account when my wife starts teaching which will be an extra 32k per year.
$2894 left after bills paid and college is saved.

The equipment I need to purchase costs $8,000.? I am going to use $4,000 out of my savings with the?$4,000 prosper loan to purchase the?equipment.

This loan would help tremendously.? I will be married 10 years on August 27th and am 30 years old.? I am very stable and always pay back my debts.? Please feel free to email me with any questions or concerns that you might have.

Debt consolidation / Wedding

The purpose of this loan is to consolidate some debt and to help cover some wedding / honeymoon expenses. We are planning a simple beach wedding (October) and a cruise for the honeymoon. We have both been married before and have been putting our lives back together after our divorces. I already have a loan on Prosper that I have never missed a payment on and part of this new loan would go to pay the first loan off. My fianc? has three children from her first marriage so we have a full house already; we are responsible with our money and live very modestly. We just refinanced the mortgage from a 7% to a 5%, but because of the real estate market we were not able to access any equity, but we were able to lower the monthly payment by $150+. We both have good secure jobs and will have no problem paying this loan back.

Monthly Take Home: $5,000
Mortgage and Taxes $848
Car Payments $700
Insurance $150
Utilities $400
Student loan $95
Credit Cards and loans?$633

That leaves $2000 a month for gas, groceries, savings, doctors, etc. We have used most of our savings to date to pay off debt and fix up the house, so even though we have $2000 a month after expenses, we want to make sure we have some cash reserve to cover expenses between now and the wedding. Biggest thing affecting my credit is a repossession from my ex-wife, that I ended up paying off but the damage was done (credit score). Thank you for your consideration and feel free to ask if you have any questions

Paying for college

Purpose of loan:
This loan will be used to? pay for school, books, and anything else that may come along regarding this fall semester of school.

My financial situation:
I am a good candidate for this loan because? I have a full-time job for starters.? Also, because of my job, I am able to take care of all of my bills on-time.? I have been in the banking industry for almost 2 yrs. now and have been fairly successful.? This loan will help me in my final push to obtain my bachelors degree in economics, a job related field.

Debt

Purpose of loan:
This loan will be used to pay off credit card debt from college.

My financial situation:
I am a good candidate for this loan because I have had a steady job for the last few years and have always made more than the minimum?payments on time.

Getting Rid of Cash Store Loans

Purpose of loan:
Pay off Cash Store Loans.

My financial situation:
My mother and father have been paying three cash store loans for over a year.? Anyone who has been to these places knows that the interest rate is ridiculously high.? I would like to help?them finally get rid of this debt in a more economical way.??
I had my second child last month and I work part time as a math and?geology instructor and my husband is a human resources manager.??I currently have a loan with Prosper that has been in good standing for over two years.? Even if my father cannot repay me for this loan, I am in a position to make the monthly payments.? I appreciate your help.?

Tree Service

Purpose of loan:
This loan will be used to?remove?trees?prior to falling on our house.?

My financial situation:
I am a good candidate for this loan because? I haven't been late on a payment since I meet and married my wife, which has been six years.? I had previously mismanaged?money but with the assistance of my wife, I've learned?to better manage money and pay financial obligations.

Thank you for considering my loan.

Car loan, medical, and debt payoff

Purpose of loan:
This loan will be used to? pay off Auto Loan, Department Store Loan, Tax and Medical bills.
My financial situation:
I am a good candidate for this loan because? I pay my bills when due and almost always pay more than the minimum amount. Monthly payments of bells to be paid off is more than twice what the loan payment will be.

Monthly net income: $ 1,950
Monthly expenses: $ 1,830
??Housing: $ 250
??Insurance: $ 50
??Car expenses: $ 185
??Utilities: $ 120
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 125
??Credit cards and other loans: $ 520
??Other expenses: $ 280

Installing A Swimming Pool

Purpose of loan:
This loan will be used to? build a new swimming pool.

My financial situation:
I am a good candidate for this loan because? I have a solid credit history reflecting the responsible way in which I manage my finances. I bought this brand new 4 bedroom, 3 bathroom, 2600 square foot house just last week for? $212,000 and it was appraised at $232,000 (I will be happy to furnish the appraisal). These homes were going for approximately $500,000 2 years ago. I know that the pool addition will?add value to the home. I currently have a 4.25% interest rate on my home so the debt dervice is very low.

Fitness equipment for PT business

Purpose of loan:
This loan will be used to purchase fitness equipment for use by the personal training clients that my husband and I work with. I am the strength and conditioning coach for a local all-female flat track roller derby team and he is a fitness professional with more than 15 years in the industry. We have been training the team for about a year and a half now, but there are more and more players all the time so we need to add some new equipment! We both work with the roller derby team and he has individual and corporate clients which he trains at several locations.

By day, I am also a licensed, practicing attorney. This business is a small side venture which we are growing a little at a time and hope to eventually turn into into a full time enterprise. In the meantime, I continue practicing law to support our household bills. The loan proceeds will go towards purchase a few new pieces of fitness equipment.

My financial situation:
I am a good candidate for this loan because I have a steady income in addition to the personal training business and we already have a dedicated client base. Just after law school I had to declare bankruptcy (2005) so that I could get a fresh start to go with my new career (I wasn't able to maintain full time employment while in law school and had significant debt issues from a prior marriage). Since that time I have reestablished my credit and am always on time with my payments to all lenders.

Monthly net income: $ 4130 (this is my legal salary and does not include income from the business)

Monthly expenses: $ 2460
??Housing: $ 700
??Insurance: $ 150
??Car expenses: $ 600
??Utilities: $ 100
??Phone, cable, internet: $ 60
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses: $ 150 (supplements)

DVD Rental Kiosk - Start Up

During times of economic recession, families look for less expensive ways to entertain themselves.? KB Moviebox, LLC?is a start-up business that will tap into the need for low-cost entertainment in northern Georgia.? KB Moviebox will place movie-vending kiosks in apartments, office buildings, and retail businesses in the area, in a concept similar to the popular Redbox.? KB Moviebox will begin operations in August 2009. The movie vending industry is currently dominated by only one player:? Redbox.? Within six years of operations, Redbox has created an industry that is responsible for the rental of 7.5 million movies weekly.? Redbox machines typically make $30,000 in sales during their first year in a location, maxing out at $50,000 by the third year.? KB Moviebox will tap into this industry, targeting the North Georgia region.??KB Moviebox?will gain customers from virtually every demographic segment, since low cost forms of entertainment generally hold steady during times of recession.? Competition will come from Redbox, Netflix, and Blockbuster.? KB Moviebox will increase its competitive foothold in the area by selecting locations with strong foot traffic that have not already been covered by Redbox. KB Moviebox will deploy a targeted advertising campaign to generate interest in its kiosks.??KB Moviebox's initial marketing strategy will include a user-friendly website, e-mail blasts, frequent promotions, and prominent outdoor signage.? KB Moviebox also anticipates increased interest in its kiosks as a result of positive word of mouth referrals from satisfied customers.? Through these methods, KB Moviebox intends to develop a strong reputation as an affordable and convenient method of obtaining quality DVDs, games, and Blu-Ray discs for same-day use.? Shannan?will own and operate the company.??She is currently employed as an eLearning Specialist at Automatic Data Processing.? Prior to this position,?she worked as an Instructional Developer, as well as a Service Trainer and Field Associate, at Automatic Data Processing.? She gained valuable experience in the video rental industry working as an Assistant Manager at Blockbuster Video for more than two years, and as a Customer Service Representative at Cox Video.? She?received her Master of Business Administration degree in Technology Management, as well as a Bachelor of Science degree in Information Technology, from the University of Phoenix.? To achieve?objectives, KB Moviebox, LLC is seeking $25,000 in funding. The loan will be repaid from the cash flow of the business.

Medical and Debit consolidation

Purpose of loan:
This loan will be used too...?? Consolidate medical expenses and other small bills which are current but would be easier for me with one payment also cheaper per month.

My financial situation:
I am a good candidate for this loan because? I am current with my bills have a full time job and I am resonsible in my bill paying.

Monthly net income: $ 2700.00

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

Helping my grand daughter in colleg

This loan will be used to to pay off a home equity loan of $5400 do some minor repairs so I can sell my home and to help my grand daughter in college.

My financial situation: I am retired and currently have $25000 in annual income. This includes my social security and retirement from my 401K.

I am a good candidate for this loan because I have always paid my bills off and on time. I am a good christian and have good values. I do not take anyone or anything for granted and do what I can for others. I am not a frivolous person and would like an opportunity to help my grand daughter through college. I hope to sell my home sometime this year early next year so I don't want to take a home equity loan out for such a short period of time and with the proceeds from my home I will be able to pay the loan back sooner. For tax reasons i don't want to withdraw from my 401K and a loan seemed like a good way to achieve my financial goals.

TWINS IN COLLEGE

Purpose of loan:
This loan will be used to? PAY FOR THE SENIOR YEAR OF COLLEGE FOR MY TWINS.? MY DAUGHTER ATTENDS FLORIDA INTERNATIONAL UNIVERSITY, AND MY SON ATTENDS THE UNIVERSITY OF MIAMI.? THEY ARE BOTH GREAT STUDENTS AND SOME OF THEIR EDUCATION IS COVERED BY GRANTS, HOWEVER, IT IS NEVER ENOUGH FOR EVERYTHING!? MY SON IS MAJORING IN HISTORY WITH A MINOR IN EDUCATION AND MUSIC.? HE WANTS TO BE EITHER A HISTORY TEACHER OR MUSIC TEACHER IN INNER CITY SCHOOLS.? MY DAUGHTER IS MAJORING IN JOURNALISM AND WRITING.? SHE WANTS TO BE A PRODUCER OF THE NEWS, AND ON AIR PERSONALITY, AND AN AUTHOR.

My financial situation:
I am a good candidate for this loan because? I HAVE BEEN AT MY JOB FOR 20 YEARS.? I MAKE ENOUGH MONEY TO PAY BACK THE LOAN.? I AM ALSO MARRIED FOR 25 YEARS, AND MY HUSBAND IS ALSO EMPLOYED FULL-TIME.? WE HAD CREDIT ISSUES IN THE PAST, HOWEVER, WE HAVE CLEANED UP OUR CREDIT.? WE HAVE NOT BEEN LATE ON ANY BILL SINCE JANUARY, 2006.? FOR THE PAST 2 YEARS I WAS ABLE TO GET A PRIVATE LOAN FOR THE MONEY I NEEDED, HOWEVER WITH THE CHANGES IN THE ECONOMY, NOT MANY ARE LENDING LIKE THEY USED TO.? I AM A REALLY GOOD CANDIDATE, I HAVE DIRECT DEPOSIT OF MY PAYROLL, AND I HAVE HAD THE SAME CHECKING ACCOUNT SINCE 1989.
THANK YOU

My Bailout II

Purpose of loan:
This loan will be used to? Pay off?credit cards and?car repairs.

My financial situation:

I am a good candidate for this loan because? Since my last listing, the good news is that I just got a promotion at work with a modest salary increase that will help me achieve my goal of reducing and eventually eliminating my credit card debt that I am currently carrying but still need a little help in getting me over the hump. I know that my listing shows a large number of delinquencies. I am not going to deny that. They were caused by my not being employed from 2002 to mid 2004.? I eventually did something that I am not particularly proud of. I filed bankruptcy midway through 2003 and it was discharged in early 2004. All the delinquent accounts happened prior to the bankruptcy. Prior to the bankruptcy, my credit was good. ?Since that time I have been able to obtain several credit accounts as well as a conventional mortgage with a?reasonable fixed rate. I have been very responsible with my new credit and have not missed any payments or been late with any. It?s amazing what a steady job does for one. My only flaw is that I have pretty much maxed out the credit cards. This recent promotion and salary increase will alleviate the urge to use credit cards going forward. I have a secure job with the U.S. government and am in no danger of getting laid off. In addition to my employment, I am also collecting a monthly pension check from my previous employer of 28 years.??I?can easily pay back a minimum of $300.00 if necessary to pay back this loan. I have made a?spreadsheet which lists my income sources and expenses which I will gladly provide if requested.? Please feel free to ask any questions. I have nothing to hide.Monthly net income: $ 6100

Monthly expenses: $?2750
??Housing: $ 1619
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 150.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 381.00
??Other expenses: $ 100.00

Paying off medical bills

Purpose of loan:
This loan will be used to? Pay off some very unexpected medical bills caused by a trip to the emergency room. I do not want to get further behind.

My financial situation:
I am a good candidate for this loan because? They are offering lots of overtime at work right now, I can make extra money and pay back the loan faster

Monthly net income: $

Monthly expenses: $
??Housing: $ 440
??Insurance: $ 120
??Car expenses: $
??Utilities: $ included in rent
??Phone, cable, internet: $ 200
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 100 (groceries etc)

Refinance - No Late Payments!!!

Purpose of loan:
This loan will be used to refinance my existing prosper loan. All payments are current on the existing loan with no late payments. I would like to refinance so that the additional funds will be used for a small used car for my wife, without having to take out an additional loans.?

My financial situation:
I am a good candidate for this loan because, I have history of paying my debts in full and on time as you will notice in my credit history even with the new prosper rating system. I do have good credit and my scores have increased by 20 points since my lasts loan.

My debt to income ratio is approximately 51% with several hundred dollars available each month for emergencies.? I would like to be debt free within three years to five years. I work 2 jobs and my wife works full time as well and we are both in pretty good job industries. We have an average combine income of about 63,000 per year right now.

Small Business Loan

I am looking to start my own business to generate extra cash flow each month. I am starting a small vending business from a company called Thebackrubber. This company sells vending massage chairs that are extremely profitable. You can see more about this vending company at www.thebackrubber.com. I have done my research and I am sure this business will be a success!!! Thanks for your time and bid!

Paying off my credit cards

Purpose of loan:
This loan will be used to pay on?off my 401k?loan. This will then give me?the opportunity to borrow from my 401k account an pay off several credit cards. This will improve my cash flow.

My financial situation:
I am a good candidate for this loan because I currently have a Prosper loan. I have been making payments on this loan for 18 months. I have never been late or missed a payment on any on my bills.?I have currently been working at the same company for 11 years.?

Monthly net income: $ 6,750

Monthly expenses: $
??Housing: $ 1,095
??Insurance: $ 88
??Car expenses: $ 213
??Utilities: $ 175
??Phone, cable, internet: $ 90
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 600
??Other expenses: $ Prosper loan $ 341

Pay for college

Purpose of loan:
This loan will be used to cover my daughter's college tuition for fall 09.

My financial situation:
I am a good candidate for this loan because I have a steady job (40 hours per week) with the governemnt and the means to pay it back.? I will pay off the tuition for school as I am on a monthly payment of $1000.00.? I just paid $1000.00 to get her in and another is due by the 31st of August then $1000 monthly thereafter.? I have the money to pay back the loan at $350-$500.00 monthly.? I just need this amount to help me out with the school deadlines.? I?just started working part-time at the Battered Women's Shelter bringing in an additional $600.00 per?month.? I am a trustworthy and have the means to pay it back just need a little help to?get me past this bump.?

Monthly net income: $ 3600.00????

Monthly expenses: $
??Housing: $ 1500.00????
??Insurance: $70
??Car expenses: $350?????
??Utilities: $ 120
??Phone, cable, internet: $70 - no cable?
??Food, entertainment: $ 100.00
??Clothing, household expenses $50
??Credit cards and other loans: $500?????????
??Other expenses: $ 100 car insurance

Business Development Consultant

Purpose of loan:
I founded Nuevo Media Group, LLC, dba Dialogo (www.prdialogo.com) a public relations firm in La Jolla, California in 2008, which we?launched this month. We help brands gain exposure and relevantly dialogue with Hispanic consumers. Prior to Dialogo, I worked on communications programs where I grew teams responsible for experiential marketing campaigns, and provided leadership on street ?guerrilla? communication initiatives. To pay for my start-up, I moonlight full-time working at a restaurant.

Our new Director is Fellow of the Public Relations Society of America, has 20 years in PR, has won the Silver Anvil four times, and?she is this year's co-chair of the Public Relations Society of Amecia Convention.?She has written and published articles in a number of newspapers and magazines, and has experience leading PR teams representing world-renowned organizations such as Blockbuster, 7-Eleven and XM Satellite Radio, which have led her to win four prestigious Silver Anvil Awards (the Silver Anvil Award is the top national award in the public relations industry) and Best of Show Award from the Public Relations Society of America.

With our new director, other PR staff working on a per-account basis, the new Web site www.prdialogo.com and office in La Jolla, Dialogo has been developing leads for new business. We need business development staff, to close deals and bring in revenue. This loan will be used to hire a business development specialist?to bring in new accounts and generate sales.?

My financial situation:
I am a good candidate for this loan because I have a world class team, I have never been late on any obligations and have a?great business model that has been planned for three years,?and I personally guarantee the debt.

Monthly net income: $ 1500

Monthly expenses: $ 1300
??Housing: $?550*
??Insurance: $?50*
??Car expenses: $250*
??Phone, cable, internet: $50*
??Food, entertainment: $?150
??Clothing, household expenses $50
??Credit cards and other loans: $ 200
??Other expenses: $
???????????????????????????????????????????????????? * My portion

To tide us over

I am requesting this loan to help lower the cost of?our credit card debt.? Between our wedding and honeymoon last year, we racked up a lot of debt.? Also, my elderly mother was in a fire a few years ago and the medical bills from that were pretty hefty.? She is on a fixed income and we have to give her some extra money every month to pay her bills.? She is currently in a lawsuit concerning that incident which is reaching its end stages.? When she gets that money, we can borrow from her until the economy improves.? My husband is a self-employed tour guide and his income fluctuates.? I work in executive recruiting and business has been very slow, but is starting to pick up.? Unfortunately, we need to "cheapen" our debt NOW.

I am a graduate of Tufts University and hold an MA from the University of London.? I have never been fired, arrested or wrecked a car.? My husband is likewise reliable.? We take?our responsibilities seriously and will not default on this loan.

Birth of first child

Purpose of loan:
This loan will be used?to consolidate my debt by paying of my credit cards and my student loan.? I have a baby that will be due around April 2010 and I want to pay off all my debt to start saving for a house for my family

My financial situation:
I am a good candidate for this loan because I always pay my bills on time even though I?my debt to income ratio is higher than normal.? I make good money and by consolidating my credit cards and student loan into one payment will save me more money.

Monthly net income: $ $5,000????

Monthly expenses: $
??Housing: $ 0
??Insurance: $305
??Car expenses: $?1000
??Utilities: $ 0
??Phone, cable, internet: $ 100
??Food, entertainment: $ 300
??Clothing, household expenses $0
??Credit cards and other loans: $?13000
??Other expenses: $ 0

Books and tuition for college

Purpose of loan:
This loan will be used to start college for a nursing degree. Money will be used to pay for books and tuition.
My financial situation:
I am a good candidate for this loan because I have no real outstanding debt and have paid my bills on time. I take care of my mother's house and therefore have no living expenses besides food, a few utilites and my health insurance. I also have a Roth IRA with a value of $ 8,000.

Monthly net income: $ 1100

Monthly expenses: $?905
??Housing: $?0
??Health Insurance: $ 80
??Car Insurance: $ 100
??Utilities: $?225
??Phone, cable, internet: $?150
??Clothing, household expenses $?125
??Credit cards and other loans: $?150??Other Misc. expenses (Roth IRA): $ 75

PLUS this Prosper Loan...

Expansion of Business Services

Purpose of loan:
This loan will be used to expand my current non emergency medical transportation company.? We transport non ambulatory patients who use wheelchairs to medical appointments, dialysis, cancer treatments, physical therapy, and hospital discharges.? We also transport patients to the airports, sporting events, church services, and family holiday gatherings.? We are currently going through the state Medicaid licensing process which will allow for us to expand our business to include, ambulatory patients as well as senior citizens.? We should be licensed by Mid September.? The money will be used to purchase a van for ambulatory clients including seniors and MR/DD patients who do not require our specialized lift van.?? It will also be used to replace the transmission in our second lift van.

My financial situation:
I am an excellent candidate for this loan because:? I have a good credit score, I have never? been late on any of my obligations, I have not had any delinquencies, and I have a great business that is expected to grow exponentially throughout 2030? due to the number of aging Americans on the rise.? I will have no problem repaying this loan because my business services will increase by approximately 70% with our company participating in the state Medicaid program. All money will be reimbursed monthly by Medicaid.? I?have a waiting list of customers.? We will also continue to transport private pay clients as well.????

Monthly net income: $?5,100??? I am currently working full time at a company that I have been with for 13 yrs.? I have my retirement and health insurance with this company.?? I receive my income from this job, and I receive pay from my business.Note to Lenders:? Although I am rated? a score of HR through prosper, ?I have never defaulted on any of my loans, credit cards or have never been late.

Home improvement

Purpose of loan:
This loan will be used to purchase materials to update home.?? ?

My financial situation:
I am a good candidate for this loan because paying my bills are important to me. My income will more then cover the payments on the loan.

Paying off Home Depot

Purpose of loan:
This loan will be used to pay off my Home Depot card and avoid a $600 finance charge.

My financial situation:
I am a good candidate for this loan because regardless of my credit score, I do pay off my debts.? I pay on time and in most case automatically which I would do for this loan.? From looking at my profile,? I do not know what I am delinquent on.? My credit is often mistaken for my dad's as we have very similar names.? The majority of my debt is medical related as my doctor recommend some testing I didn't need.? Unsecured debt in my name is $7082.? I have been using a credit counseling service to reduce my debt and simply want to try another option to speed up the process of getting out of debt.? I am expecting 2 bonuses this year, one for cashing out time?off for $2,000 and another for $2,000.

Monthly net income: $ 4400

Monthly expenses: $ 3097
??Housing: $ 1505
??Insurance: $ Included in mortgage payment
??Car expenses: $ 250 for gas and?oil changes.? Car is paid off.
??Utilities: $ 205
??Phone, cable, internet: $ 152
??Food, entertainment: $ 645, family of 4
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 164
??Other expenses: $ Water bill $50, Home Warranty $43, Misc. $100

Consolidate my Bills to One Payment

Purpose of loan:
This loan will be used to?First let me start by saying thank you for taking this opportunity to read about why I need this loan. I really want this loan because I want to consolidate all my bills into one affordable monthly payment.? I have a family now, and I am very happy about that, so I am asking for this loan, so that I can have all my bills turned into one monthly payment, in which I will responsibly pay it back. You have my word.

My financial situation:
I am a good candidate for this loan because?I can honestly say that I have made some poor choices growing up. The military has taught me a lot about responsibilities, I want to take my poor financial choices that i made, and turned into something good. I want to be able to be debt free one day and actually be happy about it. I know we all make mistakes, but you must turn your mistakes into an accomplishment, and that's what I am going to do.

Monthly net income: $ 3,922

Monthly expenses: $
??Housing: $ 1,100
??Insurance: $ 99.50
??Car expenses: $ 901.00
??Utilities: $ 50.00
??Phone, cable, internet: $ 203.00
??Food, entertainment: $50.00
??Clothing, household expenses $ 25.00
??Credit cards and other loans: $ 766.00
??Other expenses: $ 200.00

Pay off my credit card and auto bal

Purpose of loan:
This loan will be used to pay off my credit card and auto loan balance.

My financial situation:
I am a good candidate for this loan because I have plenty of income to make the payments.? I just want to consalidate.

Monthly net income: $ 9,250

$3000 short

Purpose of loan:
This loan will be used to?
buy a foreclosed property paying cash $3000 short!
My financial situation:
I am a good candidate for this loan because?
have flawless credit and good job
Monthly net income: $
3600
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $0
??Utilities: $ 0
??Phone, cable, internet: $70
??Food, entertainment: $?400
??Clothing, household expenses $ 50
??Credit cards and other loans: $650
??Other expenses: $ 50

loan for flight ticket to be repaid

Purpose of loan:
This loan will be used to wire money to fiance to buy one way ticket home and to immediately return funds.

My financial situation:
I am a good candidate for this loan because I have an excellent record.? I expect to receive a financial return that will pay off my debts from sell of land.

Tuition Assistance

Purpose of loan:
This loan will be used to? Buy books, housing, food, a new laptop, and University provided health insurance; this loan will accompany government loans as well

My financial situation:
I am a good candidate for this loan because? I am a finance major in my 5th year and I fully understand all aspects of loans.? I will graduate in December with very good prospects especially since I am willing to move anywhere and have investments experience.? Currently I work as an Investment Analyst at the University of Cincinnati Endowment.? Upon graduation I will get a job as an Equity Investment Analyst at an institutional asset manager.? I expect to make about $50,000 in Midwest dollars ($70,000 in NYC and San Francisco dollars)

Monthly net income: $ ($12/hr x 40 hours per week) x (1 - 25% approx. tax rate) * 4 approx. weeks in month = $1,440

Monthly expenses: $ 1312.50
??Housing: $ 362.50
??Insurance: $ 0
??Car expenses: $ 250
??Utilities: $ 50
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 75
??Other expenses: $ 200