Home improvement

Purpose of loan:
Balance of funding needed to remodel my bathrooms

?Total net income???? ?$7913.53


Monthly expenses: $???
Housing: $ 3400.00 (includes insurance and HOA)??
Insurance: $?50.00?
Utilities: $ $200.00 (electric, water, gas)??
Phone, cable, internet: $ 175.00??
Food, entertainment: $ 100.00??
Clothing, household expenses $ 100.00??
Credit cards and other loans: $ 275.00??
Other expenses: $ 100.00 (misc. stuff?

Bathroom Plumbing Repair

We are looking for $7,000 to pay for our bathroom repair. Last week my wife was taking a shower, I went down into the basement and found water pouring out?of?the?ceiling under the shower. I called in?3 contractors to get estimates for the repair and they ranged from 12,000- 15,000. They said because?the water was running through the wall the tub walls and studs would?need to be ripped out and replaced to?ensure there is no mold that grows. The contractor suggested to save some money?that we use killz paint on the studs to not have to replace them but our children have severe allergies and we don?t want to take the chance of trying that, it not work and we have to then rip the wall out anyway. We currently have 7,000-8,000 in savings but I am looking for this loan?to pay the remaining balance to get my bathroom repaired and leave some emergency cushion in case something else comes up. We are looking to pay this of within 12 months. As you can see?below we have the income to more than cover this loan?and would be able to do this on our own if I could wait 4 or 5 months to get this repaired. I tried to get a payment plan through the contractor but with the current economy they stated they no longer do that. Thank you for reviewing my proposal, below I have added our financial break down.

Income:?
My and?my wife's combined?is 10,250 / month gross?(125,000 per year)
We have both been with our current employers for more than 4 years


Expenses:??
Housing: $ 1835??
Insurance: $ 145??
Car expenses: $945???
Utilities: $?160?
Phone, cable, internet: $ 150
Credit cards: $ 275???
Student Loans: $315

Debt Consolidation

Consolidating two credit cards that currently have a very high interest rate. I have been making timely payments on another Prosper loan and have a 750+ credit rating.

Continue to Consolodate 2nd Loan

Purpose of this loan: Debt swap to lower interest rate. This loan will replace my high interest auto loan while paying the balance in the same time frame. Payment will reduce from $400 to $200 and the difference will go to paying down credit cards.Employment and Income: I have worked for a large division of State Government for over twelve years. Privately, I do small business bookkeeping and work for a tax company as a reviewer seasonally, and periodically throughout the year. I am also working as a teacher for tax preparer classes this year.
My Financial Situation:? Improving, I have an employer matched retirement plan and another pre-tax fund I contribute to monthly.? During the time I had breast cancer, 3-1/2 years ago, I was dependent on my credit lines to get me through.? Since my Prosper loan, I had additional follow up reconstruction surgery and once again used credit to get me through.? Now I am healthy, back to work full-time, and diligently working to wipe out my debt.? A detailed debt disclosure is posted on my member page.

Income:? $3610 net
Fixed Expense:? $2476
Debt Services: $1010 (detailed listing on my member page)
Monthly cash available: $123

My first loan was a huge step in the right direction and this one will add to my improving financial picture. Thank you for considering me. Please ask questions.

Getting my motorcycle title back!

Purpose of loan:
This loan will be used to? pay off the remaining balance on a secured personal loan with American General Finance company that has an interest rate of 18.99%.?? They are holding as collateral, the titles for both my motorcycle and one of our cars (2003 Ford Escape) and I am tired of being tied to them.? The loan originated June of 2008 for an amount just over $10000 and all payments have been on time.

It is my intention to sell the motorcycle once the title is released from American General Finance.? It is a 2002 Yamaha Roadstar with saddlebags, chrome accents, and low miles.? Kelly Blue Book value is around $6400, but I will take anything over $5200 for it, as I just don?t have time to ride anymore.?? My practice is a full time endeavor and I enjoy spending my free time with my boys age 6 and 4.5.

My financial situation:
I am a good candidate for this loan because? I have been the owner of a chiropractic office for the past 8 years, with a steady increase in annual salary since it?s inception.? My job history extends 6 years before that, as I have worked for other chiropractic practices.
I pay all my bills on time with the exception of 3 ?30-days late? reported on my credit report 6 years ago ? due to a debilitating auto accident at the time.
I have never declared bankruptsy or defaulted on a loan.
I have a small emergency fund of 5k+ and make monthly payments into a 529 plan for my children?s college tuition (they are 6 and 4 years old).
I have health and life insurance and contribute monthly to an HSA.? I also have disability insurance through my work.
I have 25 payments left on our family car (2006 Ford Expedition).? Payments are 477/month and have never been late.
Our mortgage is in my wife?s name and her income pays all housing related bills.? My income covers insurances, the vehicles, gas, food, fun, my student loan, and my personal credit card payments.?
All of my start-up costs and investment for my practice were financed through credit cards, hence the multiple high balances, resulting in my lower that expected credit score.

Monthly net income: $ 3709.50 minimum ? is higher during months that are more productive at the office.

Monthly expenses: $ 2721.54
? Housing: $ 0
? Insurance: $ 401.76
? Car expenses: $ 477.00
? Utilities: $ 0
? Phone, cable, internet: $ 0
? Food, entertainment: $ 1020
? Clothing, household expenses $ 100.00
? Credit cards and other loans: $ 572.78 min payment
? Student Loan: $150

Paying off a credit card

Purpose of loan:

I'd like a loan because I have a credit card on which I currently have a balance.? The interest is currently low from a balance transfer offer that I chose a while back, and in the next month it will be raised to normal rates (approximately 21%).? I'm just trying to be smart and manage as best as possible the $ that I'm throwing away to interest.

My financial situation:

I'm a good candidate for a loan because I am responsible and employed in a professional role.? I am currently filling in for someone on leave at work, so I'm basically doing 2 jobs - while no one's job is ever "truly" secure, I think that my role is safe - I have a good reputation at work, where I've been for over 4 years (since getting my graduate degree - MBA).? I live in New York City, where I've never been late on rent, and have been able to live comfortably.

Second Chance

Purpose of loan: This loan will be used for a second chance.?On /span>, my brother Ryan died from an overdose of heroin.?My brother was my best friend. The relationship I had?with Ryan kept me from giving up on him because he never gave up on himself.?As a result, my life revolved around his addiction for over 10 years.?Ryan was not your typical junkie.He had a huge heart, contagious laugh and gentle nature. After my brother died, I was unable to work. I started going to counseling and began to deal with the pain of his addiction and death. I was hired as a Customer Service Representative in March of 2008 at Expansys, Inc. By the end of that year, I had moved up to the position of Office Administrator. I was laid off in April due to restructuring. I have cut down all of my expenses to the bare minimum but I cannot pay my bills. Once I was overdrawn at the bank, the continuous overdraft fees have put me in a cycle that I cannot break. If I could get a lump sum of money to help get me back on my feet, I would be able to start over. In short, I have spent the past 12 of my 31 years of life living in survival mode. I would like the chance to begin rebuilding the life I put on hold during my brother?s addiction. Thank you for reading my story. I hope that someone will be willing to give me my second chance.

Additional Advertising Budget

Purpose of loan:
After leaving an investment fund I opened my own sales and marketing business just 6 months ago and I have $95,000 in accounts receivable spending just $5,000 per month on advertising. I have discovered where to spend my marketing dollars and I would like to use the Prosper loan for additional marketing. I would like to spend $10,000 a month vs. the current $5,000 per month I am spending now. My background includes 5 years of investment banking and hedge fund investing as well as a degree from the University of Michigan Business School.? I have a partner and one employee who will start to generate additional revenue in October. After just six months we are cash flow positive but I want to take advantage of the current environment with additional marketing.

My financial situation:
I am a good candidate for this loan because I have more than $25,000 in cash and securities in my personal account. I have ZERO credit card debt and my business has ZERO credit card debt. While other companies are closing I am expanding my business and simply want additional capital for marketing.

repairs for my rental property

Purpose of loan:
This loan will be used to? To make needed updates to my rental property. Mainly to update the kitchen and bathroom which will increase the overall value of the property.

My financial situation:
I am a good candidate for this loan because? Iam financially responsible, and will only barrow money for the expressed purpose of makeing more money. I do not believe in credit cards for day to day use, and carry a low amount of debt.????

Monthly net income: $ 4500.00

Monthly expenses: $
??Housing: $ 450.00????????
??Insurance: $ 120.00
??Car expenses: $ 500.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $ 0
??Other expenses: $ 0

Pay off Debt Once and for all

Purpose of loan:
This loan will be used to? pay off credit cards and consolidate to one monthly payment

My financial situation:
I am a good candidate for this loan because? I have a stable job and income. I had a credit issue back in 2002 due to a job layoff (company went out of business), but?since then have paid all my bills on time every month and never been late.? I have owned a home for over 10 years with never a late payment, as well as my car.? I simply want to streamline my debt and get it paid off quicker.? By consolidating my bills, other than car and house, into one payment I will be able to accomplish this in 3 years vs. 5 years.

Monthly net income: $ 4,172

Monthly expenses: $
??Housing: $ 815
??Insurance: $?80
??Car expenses: $ 550?
??Utilities: $ 75
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 600.00
??Other expenses: $ 135.00

2nd Prosper loan. Post-moving costs

Purpose of loan:
My wife and I just moved (I graduated from college with a B.S. in Computer Science and got a job in a different state). She left her old job when we moved and had some family obligations that kept her from looking for work in our new home state right after the move. Now she's out there actively looking but finances have gotten tight. We'd like a loan (our second Prosper loan) to get us through the tight period while she's looking for work.

My financial situation:
I am a good candidate for this loan because I'm steadily employed (in fact, I'll be leaving a new employee probation period and getting a better position soon) and I've paid off a much larger Prosper loan before. Our expenses aren't high (no children, no car payments) and we just need a little boost to keep stress down.

Monthly net income: $ 100 to 300 (from my pay alone, based on whether family issues requiring plane flights come up, etc.)

Monthly expenses: $ 2000
? Housing: $ 1000
? Insurance: $ 200
? Car expenses: $ 100
? Utilities: $ 100
? Phone, cable, internet: $ 100
? Food, entertainment: $ 200
? Clothing, household expenses $ 100
? Credit cards and other loans: $ 100
? Other expenses: $ 100

Paying for college Human Resources

Purpose of loan:
This loan will be used to
I am currently enrolled full time at Houston Community College and will complete my Certification in Peoplesoft 8.8 and 8.9 by December 2009 and continue next year to completing my AAS in Human Resources Management.by December 2010. The Loan will be used to pay off current loan balance of $900 and next year classes $1200

My financial situation:
I am a good candidate for this loan because I have over 15 Years experience in Store management and Banking experience, Most recently i worked for Game stop 2005-2009 as a store Manager running a $1.5 Million a Year store(4th largest sales volume store in Texas), Unfortunately Gamestop Work Demands does not give any flexibility for Full time school. I have also worked for big box retailer Big Lots as Operations Manager and as a Loan Analyst at a Federal Credit Union. With all my experience in the field i was lacking the education to back it, so that is what i am pursuing now to help get me to the next level
I am up to date on all my bills and have never been late on any bill in the last 10 years

Monthly net income: $ 3100

Monthly expenses: $ 2380
??Housing: $ 700
??Insurance: $ 100
??Car expenses: $ 800
??Utilities: $ 100
??Phone, cable, internet: $ 30
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 50

Coming Back from Unemployment

*NOTE* I was not born yet in 1977! I am not sure how much of the credit report is accurate or combined with another person's.
Purpose of Loan: I want to get caught back up on rent after being unemployed for three months so I am not served eviction papers.
I was starting to turn around my financial standing before I lost my job and I really want to get back into the upswing! I have explained my situation to my landlord, yet I am worried that at any moment I will be served with eviction papers.
Family: I tried to put forth money from my loan to move my Grandma out of Miami to be closer to family. Instead she fell ill and passed away. My savings and part of my loan money went to travelling back and forth between my home and grandma several times a month to take her to doctor's appointments, visit her in the hospital, and ultimately for her funeral.

Other Current Debt:
-?I owe about $9,000 in college loans. Both loans are being paid off with a payment plan that I am happy with since I pay more than the minimum amount.
- $2990- back payment for 2 months rent.
Every month I put in as much as I can which has covered my full rent-so I have not gone an entire month of NOT paying anything, but I have not gotten caught up from?my unemployment?when I could only put a few hundred dollars toward rent.? The balance has carried over for a year.

My Financial situation: Last summer I was forced to quit my job of 3 years. Since it was right before the economic blowout, it was difficult for me to find another job quickly. I?was unemployed for 3 months. I took a bar job and restaurant counter job-working 60 hours a week for tips in order to keep my utilities on and to eat. I fell behind on rent. I started a new job last August and am very happy to be working. Due to the situation in the architecture world, my current job can not pay me as much as I was making before.?I am very lucky to even have a job.?? I have side jobs as a pace leader in an organized running group once a week, and as a night aide for a man in a wheelchair-doing easy nursing tasks twice a week. These two?extra paychecks pay for my groceries and phone bill. I also clean homes and babysit occasionally.

Monthly net income: $2176 salary + $300 side jobs
Monthly expenses: $
Housing: $1475
Insurance: $0
Transportation- Travel via subway- $89 monthly pass
Utilities: $80
Phone, cable, internet: Only Cell-$85
Food, entertainment: $125 (entertainment has been cut entirely out of my budget for the time being)
Clothing, household expenses: $75
Credit and other loans: $276 (educational loan payments and previous Prosper loan payments)??

Consolidating debt

Purpose of loan:
This loan will be used to help pay my daughters' student loans and consolidate debt.

My financial situation:
I am a good candidate for this loan because?I have paid back my previous loan in good faith and keep all bills current.My husband's income matches mine and is used to pay monthly bills.

Monthly net income: $ 5100

Monthly expenses: $
??Housing: $ 865
??Insurance: $ 150
??Car expenses: $ 500
??Utilities: $ 250













































































































































































































































??Phone, cable, internet: $ 200
??Food, entertainment: $ 350
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 1500
??Other expenses: $ 200

Pay off credit cards

Purpose of loan:
This loan will be used to? pay off my debt.

My financial situation:
I am a good candidate for this loan because? I am never late on payments and want to keep my good credit rating.

Debts and ortho.care for daughter

Purpose of loan:
This loan will be used to pay some debts. and help daughter who has a achilles tendon rupture and needs orthopaedic care.? She does not have a job and has no insurance.??

My financial situation:
I am a good candidate for this loan because?we have been working very hard to get our bills paid on time.? My husband recently lost his job,? I am desperately working on the bills.???

Monthly net income: $5,465.00

Monthly expenses: $
??Housing: $ 1,095.00
??Insurance: $ 700.00(estimate) house included in house note.
??Car expenses: $ $60.00 monthly?
??Utilities: $464.62
??Phone, cable,?$119/99-$ 85.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Getting my situation back to normal

Purpose of loan:
Recently I have been recovering from a finally diagnosed form of sinusitis.? I had a number of projects end recently, and with the new economy not as many immediate projects to fill my time. However since I was also dealing with this ailment, I couldn't focus or think straight enough to seek out new clients and/or start the new projects available to me. On top of this, within the next 6 months (at the latest), I have an insurance settlement coming my way from a drunk driver injuring me.? The problem is I need some holdover money now as I regain my footing on the number of projects I am working on and invoice payments come in from these projects I am starting now.

My financial situation:
As I mentioned above, I normally have a plenty of software projects heading my way, but fighting my illness made me less able to take these projects on until I recovered. Once I have these projects reestablished and invoices payments coming in, my life would return to normal. I normally have made over $100,000 per year gross (prior to economic downturn). As I mentioned before, I also was injured a number of years ago by a drunk driver. My lawyer tells me within the next few months it should finally be settled. So I would have this large amount to fall back on too.? Things have just become overwhelming in a short period of time, so I thought I would give this a try as I regain my footing.

Monthly net income: $?5,500 estimated

Monthly expenses: $ 2,215 estimated
??Housing: $ 1400
??Insurance: $ 150
??Car expenses: $ 115
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $
??Credit cards and other loans: $ 100
??Other expenses: $

CC Paydown, Avoiding Rate Hikes

Purpose of loan:
This loan will be used to pay off credit cards that have an interest rate that I consider to be usuriously high.

My financial situation: steadily employed in a job sector that's doing well through the economic downturn.
I am a good candidate for this loan because I always pay on time and am already making these payments although at a higher interest rate.

Paying off all my bills

Purpose of loan:
This loan will be used to? pay off my 2 credit cards and pay to have upkeep work performed on my car

My financial situation:
I am a good candidate for this loan because? I have a good credit score 660 with experian, 662 with transunion, I have very few bills to pay, I make good money and even better money once my bonus is paid out ( I am having a good year believe it or not), and my fiance is about to finish up school December 4th from Saint Louis University Orthodontist program and has a job lined up and ready to start upon completion

Monthly net income: $ 3,427

Monthly expenses: $ Most bills are paid out of my fiances student loans......
??Housing: $ paid for?with student loans
??Insurance: $ paid for?by my company
??Car expenses: $ 610
??Utilities: $ paid for with student loans
??Phone, cable, internet: $ phone paid for by my company,?cable/internet paid for with student loans
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Paying off Credit Card

Purpose of loan:
This loan will be used to?

Pay off one of my credit cards. I only have two and I was recently informed the interest rate would be increasing by 5% on one due to these economic times. I am just looking to save some cash in the long run by finding a lower interest rate payment method and paying it off before the increase.

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

I pay my bills, all the time, on time, every time. I'm in no danger of begin delinquent on any of my bills. I?ve been consistently employed in my profession for almost fourteen years and have only had three employers during this time frame. My cash flow situation has always been stable and reliable and allowed me to maintain an excellent credit history.

Invest In Our Future (Engagement)

Purpose of loan:
This loan will be used to pay off the engagement ring I purchase for my now fiance (she said yes). I borrowed the money from my parents and I would like to pay them back in full and start structuring the payments. I have used Propser in the past to consolidate an existing loan with great success. I made all my payments on time and payed the loan off well head of schedule. I plan to structure the payments and pay it off within 6-8 months.

Credit Rating Note:
Propser currently doesn't have me as a homeowner, I'm working with them to resolve this as this should increase my credit rating.

My financial situation:
I am a good candidate for this loan because I have a solid payment history and have plenty of ability to pay off this loan, and pay it off fast. I have no outside monthly debt or expenses and I've successfully used and paid off a Propser loan in the past. I have consistent tax returns and have been consistently saving between 500-1000 a month, which I will be applying to this loan in the near future. Although wedding are a costly event, we have a healthy budget which we plan to stay well within the means of.

Monthly net income: $ 3005

Monthly expenses: $ 1886
Housing: $ 738 ($1,138.36 mortgage - $400 income from renters with a 1yr contract)
??Insurance: $ 78
??Car expenses: $50 ( 237 in car payments and? 50 in gas)
??Utilities: $ 150-90
??Phone, cable, internet: $ 150 ( 55 in cell and 20 in internet/cable)
??Food, entertainment: $ 500 (200-250 in food, 225 general expenses)
??Clothing, household expenses $ 120 ( general household items and an article of clothing)
??Other expenses: $ 100 ( for unexpected expenses )

paying off credit cards

the purpose of? the loan is to pay off my credit cards and go on a little trip.??????????? I
me nd i work at my job for 33 years im dedicate trusting person.

t income: $ 3.500

Monthly expenses: $ 1'500
??Housing: $ 0
??Insurance: $ 200
??Car expenses: $ 300
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 50
??Clothing, household expenses $ 100
??Credit cards and other loans: $?600
??Other expenses: $ 0

Help with paying mortgage

Purpose of loan:
This loan will be used to pay my mortgage. I have never been late and don't want to be this time.

My financial situation:
I am a good candidate for this loan because I will have the money by the end of the month, but am a little short right now to make?payment.?I actually have a second job teaching online and my extra income will be disbursed at the end of this month.

Monthly net income: $ 2294

Monthly expenses: $
??Housing: $ 1381
??Insurance: $ 78
??Car expenses: $ 383 (last payment in October!)
??Utilities: $ 278
??Phone, cable, internet: $ 123
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 948
??Other expenses: $

Helping son through a rough patch

Purpose of loan:
This loan is going to be used to help my son through a rough patch in his life.? He couldn't find work when he and his wife moved back to our hometown to be closer to their family, and it ate into all of their savings.? He and his wife have both been able to find work, but, got behind on some bills during the process.? I'm going to use the loan proceeds to help them get caught up.? He is going to pay this loan off, and I have faith that he will make all payments?on time, if he's unable to, then I have the resources to make all the monthly?payments.? I took out a $17,000?auto loan for him back in 2004 because I was able to get a lower interest rate, and he and his wife made every payment on time, and actually paid the 6 year loan off in 3 years.? I believe he will do the same this time, and I want to help him.

My financial situation:
I am a good candidate for this loan because if you look at my credit rating, I have very little debt, and I have never missed a payment.? I have always made payments on time or early.? My credit report will show this fact.? It shows active credit lines, but, most of these are credit cards which were closed by the issuers due to the fact that I never used them, one of which I had since 1990.? I currently do not have any bills other then living expenses, and I receive approximately $2000 per month from my business, which I have owned since 1976 (started profession in 1966), and approximately $400 per month from social security.

Buying replacement vehicle

Purpose of loan:
About a week ago my car was involved in an accident, as a result my car has been totaled. I want to use the loan for the purchase of a replacement vehicle as I am using a borrowed one in the mean time, but it is now time for me to purchase one. The other purpose of the loan would be going towards school paying for books and tuition.

My financial situation:
I am a good candidate for this loan because I am honest, reliable and I take top priority in paying my bills on time and in full. I have been in my current position for almost 2 years. When I pulled my credit recently it was a 680. I have always made my payments on time. I appreciate your time and consideration. Thank you.

Monthly net income: $ 2,015.00

Monthly expenses: $ 974.00
??Housing: $ 300.00
??Insurance: $ 0.00
??Car expenses: $ 0.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 94.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 130.00
??Credit cards and other loans: $150.00
??Other expenses: $ 0.00

Paying off my credit cards

Purpose of loan:
This loan will be used to? pay off high percentage credit card bills.

My financial situation:
I am a good candidate for this loan because? when gas went very high last year, I was forced to use credit cards to pay for gas to get back and forth to work.

Monthly net income: $ 2200.00

Monthly expenses: $
??Housing: $ 275.00
??Insurance: $ 70.00
??Car expenses: $ 611.00
??Utilities: $ 150.00
??Phone, cable, internet: $ 160.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 500.00
??Other expenses: $ 0

Room Addition

Purpose of loan:
This loan will be used to finish home improvement project, adding a bedroom and bathroom.

My financial situation:
I am a good candidate for this loan because I have a steady well paying career for 8+ years in Information Technology.? I am trying to finish this home renovation before the winter, but I'm short on cash.

Monthly net income: $ 4600

Monthly expenses: $ 3700
??Housing: $ 1850
??Insurance: $ 160
??Car expenses: $ 450
??Utilities: $ 220
??Phone, cable, internet: $ 120
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 400
??Other expenses: $

Operating Capital For The Offseason

Purpose of loan:
This loan will be used to pay operating expenses of my new Tax Preparation franchise until January 2010.? I opened the franchise in January of 2009, and had success in my first year of business.? I look to have even greater success during my second year of operation.??It takes most new businesses 3-5 years to reach?a level of profitability, but?I consider myself to be?ahead of the curve and plan to reach peak numbers?from my second to third year of operation.? ?

My financial situation:
I am a good candidate for this loan because, I have a background in accounting/finance and have owned a business prior to this venture.? I know the demands of being a business owner both financially, emotionally, and physically.? My credit record will show that I have always believed in and practiced good sound financial habits.My goal is to leave the?Financial Services Industry and dedicate my full attention to the successful operation of my Tax Preparation?franchise.? Tax preparation is one of the few recession proof industries, and provides the opportunity to?be fiancially stable as well as the opportunity assist those who need help with Uncle Sam.

For son's Senior Year college

Purpose of loan:
This loan will be used to pay for the final year of my son's college tuition.? I have part of it, but need this loan?to finish this last?tuition payment.? He is a straight A student and is in?an accelerated bachelor's program so he goes to school more than full time, making it difficult to work and contribute any money.?? I have been able to cash flow quite a bit of it, but this year I need help.?

My financial situation:
I am a good candidate for this loan because I have my own bookkeeping business and just took on a few more clients.? Business was slow the first part of the year but it is really picking up so I know this loan won't be a burden.? I have my finances on track, but?just got a little behind at the first of the year.? This loan will relieve the worry about?my son finishing this last year and I can put my energy into finding even more clients.

Help Small Business Add Employee

Purpose of loan:
This loan will be used to increase my advertising budget for my internet marketing business. I currently spend on average $3,000 per month for advertising with gross sales of around $5500 per month. I am looking to add an additional $2500 to my monthly advertising budget which will add an additional $4750 to my monthly gross sales the very first month. My ultimate goal is to add employees to my business and to help my local community.

My financial situation:
I live in a very small community in Vermont. Jobs are hard to come by and when you have one you don't give it back. I was laid off from my job of 16 years over 2 years ago and found it very difficult to get another. Most of my revolving debt was used to keep my family together and survive. There is no excuse for the amount of debt I accumulated, but I had to do it to support my family.

I finally got tired of not finding a job and decided it was time to start my own business. I have always paid my bills on time and way more than the minimum required. Due to the nature of todays economy, and the tightening of banks lending practices (thanks B of A and all others who took my money and then won't help me!!) I find myself unable to get a small loan. The only thing they did for me lately was lower my credit limits and make my chance of ever getting another loan worse. That is why I am looking to Prosper.

I am a good candidate for this loan because I have a proven business model that just needs a little more cash infusion to help increase sales. I plan on paying off the loan in 3 to 4 months. I can currently pay all financial obligations with my current monthly sales. Getting this one-time small loan will really help to give me some financial breathing room and help to add an employee to my company. Below is a monthly budget..

Advertising - $3000
Revolving Debt - $1500
Misc Business Expenses - $500
Total expenses - $5000

All other living expenses are covered by my wife's salary and are not included in my monthly budget. My current monthly revenue can already pay for this Prosper loan without any issues. I am just looking for an additional bump in my monthly advertising. This addition would allow me to finally add a employee to my company, which is good where I live. Thanks for the consideration.

Debt Clearance Plan forever

Purpose of loan:
This loan will be used to pay off all my debt.? I take ownership of making some poor decisions that led to an accumulated debt that I would like to pay off.? I am very motivated to wipe the debt clean.???

My financial situation:
I am a good candidate for this loan because I have a good job. I have always held at least one full time job for over 30 years. I also have always made good money, with the last few years in excess of $100,000.? I work for the US Government, have a stellar performance evaluation, and continue to move up in my field.? I realize that having this debt has held me back, and I am motivated to rectify the situation. I have a good take home salary, and a good credit score (720 when I checked today).? I have never in my life defaulted on a loan, I have owned and paid for in installments a total of 5 cars in my life.? I am not late with payments.? I have online banking and have set up my bills to be paid from my account.? I am on time every month. ?However due to multiple payors, and higher interest rates paying off my debt will take years. I want to pay it off in 3 to 5 years.? My take home pay is over $5000.00. My car is completely paid for. ? My total debt is slightly less than $55,000 and ideally I would like to make one payment, once a month to one payor. I realize this site is not set up for that large of an amount, and will consolidate some debt for $25,000 however I am stating what my ideal situation is.? I have credit references, and W-2s that will demonstrate a six figure income currently and for the last 3 years.? I have worked since I was 15, put myself through college and graduate school while working full time and take my credit responsibilities seriously.? Even with this debt I am making my payments, but want to reduce the monthly amount and pay it off quicker.? Thank you for your consideration.

Auto Repair

?Auto body work

Carpet Cleaning Business

For the past 14 years I've been a full time mother and homemaker. Now I have the opportunity to start a full time business for my employment. As a homemaker and mother I've learned the techniques of managing business affairs and people. I know what clean is and have cleaned carpets on a regular basis for the past 25 years. Now I'd like to turn those skills into a full time business.

The monies I receive from this loan will be used in the following manner:

Equipment $2500*
Van(used) $2000*
Chemicals $ 500*
Capital Reserves $1600
Expense Reserves $2250
Lending fees $1000
Total $ 9850
*I have arranged to purchase these items used from a businessman, in a neighboring town, who ran them for a year and is quitting the business in order to run his dream business of a restaurant. The prices have been check against new pricing on the internet and they?re being sold for nearly 60% of new cost.

Other things that have already been taken into consideration is a business license, forming of an LLC and labor expenses. The business license for my city has already been obtained as well as Nagrada LLC registered for business and tax structure. The labor will be me to begin with. My budget has allowed for me to hire 1-2 employees at $10 per hours within the first 90 days. During the first 90 days, I?ll be building up cliental to fill a 40 hour week of work. That will conservatively net me $2623 per month. Subtracting out debt service, my cash flow will be $2248 per month. As I add equipment, employees, and services, that number will grow with great speed.

In addition to the many skills developed as a mother and homemaker, I have a college background in bookkeeping, finances, and business. I have structured my affairs such that I always put money aside to warrant off any difficult times. I've always met my financial obligations even through trying time such as a divorce, moving, deaths etc.

Consolidating and house repairs!

Purpose of loan:
This loan will be used to?

Pay down some of my cards and start in on repairs for the home that i will sell in spring 2010.

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

Money is tight and have a bit of debt. Separated and headed for divorce....so times arent so good per say. However, in spite of all that the future is bright as i head for a fresh start with a new someone special. Though debt is high, after the house that i own in partnership sells (located in one of the more upper-scale areas of california), which will go on the market in spring 2010, my financial situation will improve greatly. I have always held a quality job, never been fired or laid-off even in the worst of times. And even in tough times, always make sure paying my bills is a priority over other things such as liesure activities or otherwise. Being a responsible debt re-pay-er is something i pride myself in.

paying of credit cards

Purpose of loan:
This loan will be used to? pay off my credit card bills and one loan at my bank for $2000.00.
My financial situation:
I am a good candidate for this loan because?I always pay my bills on time and am currently not having any difficulty paying my bills, I just want to get rid of the revolving rates and get a fixed rate so I wont be paying so much interest.? I have received letters from almost?all of my credit card company's telling me they are either raising my?interest rate or?closing?my account.

I worked for the U. S. Poatal Service for almost 17 years and was receiving 60% disibility.? In 1996 I had my 5th back operation and was awarded 100% disilibilty from the Veterans Administration.? I then retired from the Postal Service on disibility and also received disibility from?Social Security so I am fortunate enough to retire comfortably.? I?hope this explains my work and credit history.?

Holiday inventory, signage, adverts

Purpose of loan:
This loan will be used to?order in new holiday stock for my retail fabric store.?The economy has caused several of my vendors to lower?their terms from 60 days to 30 - some?have even done away with terms altogether and are asking shops to pay upfront, which I have done using my personal credit cards, as a retail business simply cannot survive without new inventory. However, I do not wish to continue?using my personal cards for business expenses.?

?I would also like to improve the exterior?signage of my shop to make it easier for customers to find me and to increase my local and web advertising. ?

My financial situation:
I am a good candidate for this loan because?I have been in business for almost five years and am on good terms with all my vendors. My spouse's income covers our family's basic expenses.

Monthly net income: $ 4000

Monthly expenses: $?2020
??Housing:?Business rent: $400
??Insurance: $145
??Car expenses: $0
??Utilities: $0 - included in rent
??Phone, cable, internet: $187?
??Food, entertainment: $ 75.00
??Clothing, household expenses $0
??Credit cards and other loans: $300
??Other expenses: $900 (advertising, trade show booth rental, vendor payments)

Growth for a Strong Agency

undefinedundefinedundefined undefined undefined Purpose of loan:
We are a growing modeling, promotions and consulting agency, expanding into the San Francisco bay area. We are leasing a studio downtown and we need additional funding for furnishing our studio, buying studio equipment and obtaining the California modeling license.

My financial situation:
Our company was founded by two MBA graduates with concentrations in accounting. We have worked with KPMG, one of the big four accounting firms. We have built our company on a solid financial foundation with no debt, with a low cost structure. Our websites are:www.xception2everyrule.comwww.x2models.comwww.x2promotions.comYou can download our financial prospectus at:www.xception2everyrule.com/financials/ undefined

Paying off my credit cards

Purpose of loan:
This loan will be used to pay off credit cards to further improve my credit?rate.?

My financial situation:
I am a good candidate for this loan because I have a steady job with a very good income.? I am an investor in Prosper as well.? I understand the importance of this company and will pay my debt.

paying off credit cards

Purpose of loan:
This loan will be used eliminated 5 credit card bills. I have received notices saying that they are going to increase my interest rates and they have already lowered my balances?????

My financial situation:
I am a good candidate for this loan because? I have taken up a second job with the intention of paying off my credit cards. I used my credit cards when times were tough for food and fix our car. With my husband and my income we will be able to acheive our goal.
Monthly net income: $
1400 ($3000 if including my husbands income)
Monthly expenses: $
??Housing: $ 875????
??Insurance: $ 100????Car expenses: $?275
??Utilities: $ 75
??Phone, cable, internet: $ 99
??Food, entertainment: $ 300
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 250
??Other expenses: $

Credit Card Dump

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? I learned late the folly of credit cards. I make more than the minimum payments every month in the form of weekly payments. I'm a good person. Most of my debt has truly been in trying to help my family and pay medical and dental bills that I never seem to have the cash on hand for. I want so badly to be able to retire some day, but as it stands now that will never happen because as long as I have these bills hanging over my head I feel as though retirement is just a figment of my imagination.

Monthly net income: $ 1600.00+/-

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 102.00????
??Car expenses: $200.00?????
??Utilities: $ 165.00
??Phone, cable, internet: $212.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $160.00?
??Credit cards and other loans: $
??Other expenses: $

Paying Income Taxes

I need this loan to pay off federal income taxes from 2008.??I do NOT want to set up payments with?the IRS for this.? This is a relisting.? The first time, my loan was funded, however, I somehow neglected to show my self-employment status, which makes me HR, unfortunately.? I am a successful salon owner.? My estimated tax payments did not cover all that I owe.? Please consider me for this loan.? I have perfect payment history.? I assure you, this loan will be paid!? Thank you for considering my listing?and?thank you?for your time.?

This is a breakdown of my monthly expenses.
House Payment 1200
Car Payment and Insurance?548
Prosper 353
Credit Card Payments 250
Utilities 200
Phone/Cable/Internet 100
Health Insurance 138
I have 2 roommates who pay $400 each per month not included in stated income, which comes to $5200 per month before rent or $6000 after rental income.

T

Purpose of loan:
This loan will be used to help pay college expenses

My financial situation:
I am a good candidate for this loan because I have worked hard and still working on raising my credit score.
Monthly net income: $

Monthly expenses: $
??Housing: $ 1050????
??Insurance: $ 169
??Car expenses: $ 655
??Utilities: $ 150
??Phone, cable, internet: $ 51
??Food, entertainment: $ 400
??Clothing, household expenses $ 100 ( I dont spend much on clothes or household expenses.
??Credit cards and other loans: $
??Other expenses: $

Debt Consolidation

Purpose of loan:
This loan will be used to? assist daughter with graduate school funding. She has a low credit score due to student loans and cannot get approved anywhere, even with a co-signer. She has come so far, has 3 undergraduate degrees and is planning on pursing her MBA. I am so proud of her and I would love to be able to help her obtain her goal.

My financial situation:
I am a good candidate for this loan because? my credit is good, I pay all of my bills on time and it's for a excellent cause. I know what it's like to be young and not be able to fund things for myself. I am just trying to assist my daughter with her dreams. My husband also plans on assisting me with my payments for this loan. He just doesn't want to put anything under his name. Please help me fulfill my daughters dreams!

Monthly net income: $ 2083

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 90
??Food, entertainment: $ 250
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 700
??Other expenses: $ 200