Looking for a fresh start.

Hello and thank you for viewing my listing.I'm a guy who has made some mistakes with my credit with missing payments on my student loans and letting two credit cards go to the wayside about?six years ago. I have not been late on any payments on any bills, including my student loans, for the past six years now.? Today my credit score has moved up to 636. It?s still poor, but I?m moving in the right direction.

I would use the Prosper Loan to pay off the following
Credit Cards, Medical Bill, and the IRS.

$ 2500 - to Capital One Visa Card
$1500 - IRS for Taxes
-------
$4000 - Total amount of Debt to pay off?

My current monthly net income is $3100.

Here's my monthly budget with the prosper loan in place:

$700 - Rent
$100 - Electricity
$110 - Telephone
$600 - Car Payment
$200 - Groceries
$100 - recreation
$ 85 - TV/Internet$100 ? Savings account
--------------
$1995 - total monthly expenditures

As you can see, with just a little help, I have over $1105 left over to be used, not only for my Prosper Payment, but for savings and emergencies so that I never get into this situation again. I can begin to rebuild my credit and live a normal life free from the stress caused by my mistakes in my past. I have learned my lesson.

I promise that my payments to Prosper will be my top priority each month. In fact, I am going to have Prosper automatically withdraw my payments each month so that everyone, including myself, knows that my payment will be made on time, every time. I'm not about to make a mistake with this opportunity to start rebuilding my credit.

Thank you again for viewing my listing and God bless.

Debt Consolidation after Iraq

Purpose of loan:
Hello I am requesting this loan to be fulfilled so that I can consolidate my family's credit card and higher interest loan debt into one payment. I recently graduated from college with my accounting degree and would like to group together our higher interest debts so that I have less monthly payments along with my education loan payments. I appreciate all bids for my loan. This is my third loan with Prosper.com and I have never been late on a payment. One of my other loans is paid off and the 2nd loan is almost paid off.

My financial situation:
I recently returned home from my third tour in Iraq with the US Army Reserve. Therefore my income is comprised of my reserve drill pay of about $400-$500 per month and my full time job as a poker dealer which comprises of mostly tips. The amount required to claim is what I have posted on here as the $45,000 annual income, however my actual take home income each month with tips is approximately $4600. Thanks again for you consideration in funding my loan.

paying Big Bad Discover

Purpose of loan:
I would like to pay off my Discover card and I was hoping that I will get a better rate in Prosper rather than paying the 19.99% interest rate in Discover.

My financial situation:
I'm currently trying to pay down all my credit cards and Discover is the top of my list.

Monthly net income: $ 2300 per week, but I have a lot of debt including a mortage with HOA dues.? It was a newbie money mistake.

Monthly expenses: $
??Housing: $ 1400, including HOA dues
??Insurance: $ 130
??Car expenses: $ 345
??Utilities: $ 200
??Phone, cable, internet: $ 167
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ including Prosper loan, substancial
??Other expenses: $

Pay off credit cards

Purpose of loan:
This loan will be used to pay off credit cards and give us some cash flow without more credit card debt. I have invested in an updated website and advertising and my husband's building business. I am a public speaker, performer and writer. I have been self-employed 25 years, most my adult life, and have never defaulted on any loans. I am over-extended right now with credit cards but have 12 performances booked for spring and summer with more on hold. My husband is a contractor and just went full time with his own business so cash flow has been tight. He has three building contracts signed so the money will be coming it is just not here now! This money will help lower the stress level of doing business with little overhead.

My financial situation:
I am a good candidate for this loan because I always pay my debt no matter what and you are investing in someone who is helping other people so it is a good thing!

Small Business Loan

Now in the second year of an online e-commerce venture, I am ready to expand.? The proceeds from this loan will provide cash flow for the expansion of inventory, advertising, equipment, and other business expenses.? After posting a small loss in 2008, I am proud to have posted a profit in the difficult recessionary times of 2009.? The monthly payments for this loan will be easily covered by sales, and my ability to pay is backed up by full-time employment by myself and my wife.? In addition, the availability to this cash will reduce monthly interest costs of having to finance inventory by credit card.

Thank you all for your consideration!?

keeping the road straight

Purpose of loan:
This loan will be used for... car repairs , and glasses. Plus it will help to put life back on track.


My financial situation:
I am a good candidate for this loan because? I have always fulfilled my financial obligations until my ex decided to throw me some curves that caused that path to become broken. Now I am recovered and on my way but need just a little help to complete this process. Paying my creditors is my #1 obligation.

Monthly net income: $ 1,700

Monthly expenses: $
??Housing: $ 400.
??Insurance: $ 44.
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $500.
??Other expenses: $

Veterinary Practice Acquisition

Purpose of loan:
This loan will be used to finance 10% of an acquisition for a veterinary practice valued at $275,000. This includes $200,000 for real estate, $65,000 equipment, inventory and covenant not to compete and $10,000 for goodwill. The real estate will be land contracted by the current owner and the remainder will be financed via an SMB loan. The practice is currently owned by an ailing older practitioner. Since its opening in 2005, he has worked only part time, averaging less than 20 hours a week and 2 to 3 surgeries weekly. This in turn, have led to a gross revenue of $148,000 annually. Once the acquisition is complete, my plan is to place a full time veterinarian for 4 full days and a relief veterinarian for 2 days each week. In addition, two staff surgeons are available for surgeries. The projected revenue is $326,000 in the first year, $65,000 of which will be net profit after debt.

My financial situation:
I am a good candidate for this loan because I have the experience, ambition and am self driven to make the business profitable and grow. In addition, the veterinary field is ranked as one of the lowest risk fields. The ability to purchase this practice will also lead to job creation that the area desperately needs. I have had the good fortune of being trained in a teaching hospital and would also extend this to pre-veterinary students as well those wanting to pursue a career in the veterinary field.

Monthly net income: $ 1536

Monthly expenses: $ 872
??Housing: $ 0
??Insurance: $ 358
??Car expenses: $ 189
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 150
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 150
??Other expenses: $ 0

Car Dealer Start-Up Inventory

Purpose of loan:
This loan will be used to purchase inventory for a newly established used car dealership.? All other start-up costs have been paid.

My financial situation:
I am a good candidate for this loan because I am financially responsible and the business will generate enough revenue to make on-time payments.

Monthly net income: $ 3000

Monthly expenses: $ 1500

tooth implant (OH JOY!!!)

Purpose of loan:
This loan will be used to?cover the difference between insurance and cost of a tooth implant to replace a crown/root canal gone very, very bad.? OUCH!!


My financial situation:
I am a good candidate for this loan because? this is a second loan with first loan in excellent standing.? I am a full time student in pursuit of by Bachelor's in nursing.? I am a Registered Nurse but I only work temp jobs which does not quite work for prosper proof of income requirements.? Household income is over $4000.00 monthly.? We are seeking loan as we were hit very hard with taxes last year and emergency savings were seriously depleted.? This occured after also having braces placed on both of our children.? 2009 was a "fantabulous" year wasn't it?We own our living condition, an R.V. while we are caretaking for an ill family member.

need new furniture

Purpose of loan:
This loan will be used to?
buy new furniture and tv
My financial situation:
I am a good candidate for this loan because?
i just started working two jobs
Monthly net income: $ 2300.00

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 10.00
??Food, entertainment: $ 75.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 500.00
??Other expenses: $

Consolidate Debt

Purpose of loan:
This loan will be used to consolidate student loans and credit debt to one low payment.

My financial situation:
I am currently employed full-time?with an engineering firm, and I also have some supplemental rental income.? My monthly?expenses are very low so making?payments will?not be an?issue.?? I have never missed a payment for anything therefore have very good credit.

Monthly Expenses:

Student Loan: $190
Mortgage: $500 (after rental income)
Living Expense: $750
No car payment

paying off payday loans

Purpose of loan:
This loan will be used to pay off payday loans and get caught up with bills????

My financial situation:
I am a good candidate for this loan because i have served my country for more than 25 years and all i am asking for is a little help to get out of this mess that i got my family into. I am active duty military and have a steady paycheck. Any help that you can give is greatly apperciated and thank you for your time and attention with this important matter.

Monthly net income: $ 4750

Monthly expenses: $
??Housing: $ 850
??Insurance: $ 100
??Car expenses: $ 491
??Utilities: $ 45
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1200
??Other expenses: $

short term emergency family expense

Purpose of loan:
This loan will be used to cover sudden shorterm?expenses for brother/mother.

My financial situation:
I am a good candidate for this loan because I?established military employee with solid income who desires a to help my family. Traditional credit applications have been frustrating!? I live a lifestyle that can eaisily still afford the added monthly payment.?Recent moving due to military and recent divorce have caused certain credit bureaus to deny credit card application based on no existing history or erroneous personal information. I cannot hasitly fix their inaccuracies, though have been trying. In the mean time my personnal loans have?neared a debt to income threshhold with again lack of existing history. This single loan amount will enable me to conclude final transactions needed to aid my family. I do not like having such debt, but needs outweigh the cost at this time. -Thank You!

-- I would appreciate a lower interest rate but feel I have to start and accept a high rate to be a viable candidate. Fortunately I have also recently lessened this amount requested and hope this can better be resolved quickly!

==This is a second listing for a lesser amount. Original screen name? for first listing was rivot_point

pay off credit cards

Purpose of loan:
This loan will be used to pay off my debts and have one payment each month.

My financial situation:
I am a good candidate for this loan because?iam working and have steady income.?I need to straighten out my credit by having? one paymenet. I have two car payments of about twenty nine thousand, and two credit cards. I will more than happy to use your company, if? I establish busines with you .Generally?I have good credit score as of last month score results. My monthly expenses does not exceed one thousand two hundred.?I share responsibilities with my wife.

Buying a foreclose

Purpose of loan:
This loan will be used to buy a foreclose home, I am currently paying?$1000/mo on a lease which expires this month.??The house?I will buy for 40-50k I will live in it, and I already have?the difference in cash.? ?

My financial situation:
I am a good candidate for this loan because I have NEVER missed a payment on ANY loan, in my life, NEVER bouced a check, have the same bank account for 10 yrs, and I am an educated individual, major in management from University of Michigan.? Loan will be paid completely in one year, max two.

paying off my credit cards

Purpose of loan:
This loan will be used to? pay credit card debt.

My financial situation:
I am a good candidate for this loan because i pay my debt on time.

Monthly net income: $ 3500

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $?400
??Utilities: $ 0
??Phone, cable, internet: $ 49
??Food, entertainment: $ 0
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 700
??Other expenses: $ 0

pay off credit cards

Purpose of loan:
This loan will be used to pay off a credit card and to help friends and family?

My financial situation:
I am a good candidate for this loan because i believe in always paying my bills?????

Monthly net income: $ 2600

Monthly expenses: $?????
??Housing: $ 487
??Insurance: $ 129.22
??Car expenses: $ 110.00
?Food, entertainment?? $ 150.00 Utilities:$185.00??????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????
??Phone, cable, internet: $??:?120.00
??Clothing, household expenses $?
??Credit cards and other loans: $ 1100
??Other expenses: $

Coin laundry washing machines

Purpose of loan:
This loan will be used to? replace my older coin laundry washing machines with new machines. I will be able to purchase 4 Huebsch 30lb front load washing machines and new bases for them to be mounted on. Huebsch Washing Machines are very durable and the company has a long history of supplying coin laundrymats with excellent warranties and low maintenance.

My financial situation:
I am a good candidate for this loan because? my business has ZERO debt. I recently purchased a new Dexter double stack dryer and 5 topload Huebsch washing machines. I purchased them with cash and once installed my customers have shown immediate gradification by informing other people of the changes I've been making. My husband and I have cleaned, repainted, refixtured and remodeled the store. My lease terms are below market ($1000.00 per month). The best part is, I like what I do.

Thank you?

Pamela

Business debt consolidation

Purpose of loan:
This loan will be used to? Pay off credit card debt from my business start up

My financial situation:
I am a good candidate for this loan because?I?have an established franchise that has a 10 year track record. I?have a good cashflow and will be able to payoff debt and?increase my monthy savings.?

Monthly net income: $ 6000.00

Monthly expenses: $
??Housing: $ 1800
??Insurance: $ 135
??Car expenses: $ 585
??Utilities: $?310
??Phone, cable, internet: $ 195
??Food, entertainment: $?600
??Clothing, household expenses $150
??Credit cards and other loans: $
??Other expenses: $

Monthly Buffer

Purpose of loan:
This loan will be used to help me pay my monthly expenses while I am starting my new career in the insurance industry.? I need a small fund to support my initial expenses in my new career.

My financial situation:
I am a good candidate for this loan because there?is great income potential for me in the insurance industry that will guarantee to re-pay my loan and my outstanding debt.

Monthly net income: $ 4,500

Monthly expenses: $ 3,200 Total (Itemized below)
??Housing: $?1700
??Insurance: $ 100
??Car expenses: $ 0
??Utilities: $?350
??Phone, cable, internet: $ 150
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 900
??Other expenses: $

paying off credit cards

Purpose of loan:
This loan will be used to? pay off a?credit card that has recently raised my interest rate from 13% to 29%.

My financial situation:
I am a good candidate for this loan because??I work?full time?as a?UPS delivery driver and I am determined to pay off my debt and raise my credit score by the end of the year. I would like to start by paying off this card. To me, it makes more sense to pay the lenders of Prosper 21% interest?than to pay 29% interest?to a credit card company. Thank you.

Monthly net income: $3000

Monthly expenses: $
??Housing: $ 0
??Insurance: $??80?
??Car expenses: $?200
??Utilities: $?200
??Phone, cable, internet: $?200
??Food, entertainment: $?300
??Clothing, household expenses $?100
??Credit cards and other loans: $?400
??Other expenses: $

investing in family business

Purpose of loan:
This loan will be used to buy another catering truck for Cali Gringos, to put it simple, is a mobile kitchen serving quality southern California style Mexican food.? With mobile being the key word, it opens the door to a wide demographic of customers.? Our main focus in order to draw large crowds of customers is to park the truck near MSU and other surrounding colleges and also include a mobile catering route to local businesses and factories in the Springfield area. What makes Cali Gringos different from most other restaurants is I will be able to bring quality food to my customers at a great price. ? The truck will operate as a full service kitchen.? All preparations, cooking, serving and storage will be done from the truck in compliance with health department codes.? This will allow Cali Gringos to operate with less overhead than a traditional restaurant.? One key element to a successful business is location.? With a mobile catering truck I will have the option to change my location to suit my customers and adjust to demand in order to generate more business.??
My financial situation:
I am a good candidate for this loan because? Has you can probly see my credit is great, I always pay my debts on time. I'm using the loan to make more money with our family business but the fact is worst case the business makes no money with my income and my job history I will still make the payments on time. I would not risk my credit history and rating for 25000 dollars if I thought I could'nt pay it back.

Paying off my credit cards

Purpose of loan:
This loan will be used to? pay down my high interest credit cards.

My financial situation:
I am a good candidate for this loan because? I?am never late on any payments. I would like to be free of credit card debt. I also take pride in keeping a good credit?score. I?do not have any delinquencies or defaults.?I?intend to repay every dollar borrowed.

Help Daughter/Pay CC-2nd Loan

Purpose of loan:
This loan will be used to?I would like to secure this loan to help our 47 year old daughter who has Multiple Sclerosis. She will buy a mobile home and with a Temporary Use Permit, which has been approved, she will have it placed on our acre property.$15,000 for set up and necessary improvements.? Credit cards in the amount of $7900 @ 29.9%? Total:$22,900My financial situation:
I am a good candidate for this loan because? This is a request for a second Prosper loan. I realize as I look over the listings and the loans that are being totally funded there is more caution with the lenders.? With the economy as such I can understand your caution but let me advise you that I have never missed a payment to date on my first loan and have always paid it on time and I have no intention of slacking on this.? If it were necessary, I would work extra hours to make the lender's payments.

Monthly net income: $ 3892

Monthly expenses: $ 3746
??Housing: $ 1671
??Insurance: $
??Car expenses: $ 200
??Utilities: $ 300
??Phone, cable, internet: $ 25
??Food, entertainment: $ 400
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 1000
??Other expenses: $ 0

Bookkeeping and Tax Office

Purpose of loan:
I am an accountant. This loan will be used to hire independent contractors during the tax season and expand my bookeeping practice after tax season. My financial situation:
I am a good candidate for this loan because I have been an Accountant?since 1997. I am now running my own?Accounting practice as a sole practitioner. I am certain the cash flow will come since my business is a recession proof industry.??I am also very conservative by nature and training.

My outstanding debt is

Home Equity Line of Credit: (Remodeled in 2006)
$54,000 +/-

Credit Card:( Start up Capital for Business)
$44,000 +/-

Credit Card: (Car Purchase)
$19,000 +/-



Monthly Expenses:

Mortgage and HELOC?PITI :1,800
Car Payment: 560
Phones:250
Utilities:100
Food:400
Credit Card: 300

we love our brides!

It's the start of wedding season, and we are excited to work with all the new brides in 2010!!

There is no denying that 2009 was a challenging year. The credit market is tight and it has forced small business owners such as myself to look for alternative financing to support the growth of our business. It is with this in mind, I seek funding from Prosper.

The Prosper loan will be used to grow my bridal business, specifically by allowing me to 1) purchase additional inventory for the upcoming busy wedding season, and 2) be more aggressive with marketing and advertising.

I am an excellent candidate for this loan because I run an honest, fashion forward, customer service conscious business. I pay both my business and personal bills in a timely manner. Even in the tough economic climate we are currently in, we are able to stay true to our business model, take care of our vendors, and provide exceptional service and on-time delivery to our clients. As far as future growth and sustainability, we believe 2010 to be very promising, albeit we remain cautiously optimistic.

I believe in my business and work passionately everyday to ensure its success. It has been said that the first five years are the ?make-or-break? years of any start-up. I intend to make it. Thank you for taking the time to review my funding request.

Goodbye 2 credit cards, PLEASE help

Purpose of loan:
This loan will be used to? pay off my credit cards once and for all.? They will be cut up and never to be used again.?????

My financial situation:
I am a good candidate for this loan because? I make a very good income and can easily make the credit card payments now.? The interest rates are just so high, and the majority of the payment goes to intererst.? I would like to consolidate them into one, fixed payment so that I can see a light at the end of the tunnel.?

My oldest child will be going off to college in 3 years.? My goal is to be out from under these credit cards by then.

My husband and I had a chapter 13 bankruptcy in 2003 because my husband lost his job which caused us to get behind in our?bills.? We chose not to file chapter 7 because we wanted to be responsible for our debt.? We made payments on the bankruptcy?for 3 years, and it was discharged in 2006.?

My employment?history shows that I have been at my?job for only 7 months, however I was employed there previously for 12.5 years from 1991-2003.??I left the job -willingly in 2003 for what I thought was a better job with more opportunity.? Please note that I have?never been unemployed and have never been fired or let go.? When I returned to my current employer in 2009, my "years of service" was reinstated.? So,?while my re-hire date was July 2009, they consider my "years of service" as 13+ years.? My current employment is VERY stable.? The company is very secure and has solid business in the pipeline for the next 5+ years.

Thank you for the consideration.? I promise you will not be sorry!!

Monthly net income: $ 3100 - $4200, depending on OT worked, average is $3600.? My husband brings home ~$2200/month,

Monthly expenses: $ 2120
??Housing: $ paid by husband, only $400
??Insurance: $?47 car, $36 life
??Car expenses: $ 352
??Utilities: $ paid by husband
??Phone, cable, internet: $?235 phone, others paid by husband
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 450, this loan payment will?replace?this expense
??Other expenses: $ 200 transportation

The shredder is hungry for plastic!

Purpose of loan:
This loan will be used to pay off one last credit card balance, after which we will feed most of them to the shredder.

My financial situation:
I am a good candidate for this loan because we're frugal people who have worked hard and cut expenses to pay off tens of thousands in credit cards over the last two years. We can very easily handle this payment, so your investment is a safe one. Note that the revolving credit balance in my credit profile above is not quite up-to-date -- this will cover the last of it. Thanks, y'all!

Debt Consolidation

Purpose of loan:
This loan will be used to?pay off my credit cards. All payments are current now and i have never been late with any payments.?

My financial situation:
I am a good candidate for this loan because my work, and credit history is excellent. Credit card companies just upped my interest rate for no reason and i dont want to pay 18% interest on the cards .

paying off loans

Purpose of loan:
This loan will be used to pay off my loans

My financial situation:
I am a good candidate for this loan because, I have a solid job and income.

Monthly net income: $ 5700

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

Advanta Credit Card

Purpose of loan:
This loan will be used to pay off the only credit card I have as Advanta shut down all accounts and are now charging a very high interest rate on a balance of 1200.00.? I also own my own home and need to finance the payment of the real estate taxes due to payment of medical bills this last year.

Need Septic Repairs Fast

Purpose of loan:
This loan will be used to fix my septic system

My financial situation:
I am a good candidate for this loan because I have great credit and am stably employed

Monthly net income: $ 3000

Monthly expenses: $
??Housing: $ 765
??Insurance: $ 65
??Car expenses: $ 325
??Utilities: $ 135
??Phone, cable, internet: $ 150
??Food, entertainment: $ 250
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 300
??Other expenses: $

paying off my car loan

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? i belive i have a good credit score i will use the money for pay off my car loan the i have with silver state school
and i think my balance is around 10000 dollar...
iam a full time?employ and i be with my company for almost 4 years so i will not have any problem to make a payment monthly around 400 450 dollar..
and i really want to do that with you guys...
i never had a problem? with payment like house rent , cell phone, credit card, car loan, so i really hope you guys can help me out with that..

thank you so much i hope i can get approved

gene maree

Materials For That Kitchen Remodel

The purpose of this loan is to buy stone materials for counter tops. Most likely granite but if the installer is able to use other stone that is more resilient in the kitchen that's fine. Cost and aesthetics are more important though and I've found granite to be the least expensive and most beautiful.

Inventory for the spring

Purpose of loan:Pay down credit lines to allow for the purchase of new inventory.
This loan will be used to?
Purchase inventory for both retail locations (Lake Oswego and St. Paul)
Pay down current credit lines
Make structural repairs to the new retail location in Lake Oswego (broken gutters need to be repaired before the spring rains come)
My financial situation:
I am cash poor going into the spring. I expanded last year by opening a second location in Lake Oswego, OR but didn't realize how much money that location would require to get up and running. This location however did almost half the sales this year, showing that it has great potential.
I am a good candidate for this loan because?
I am committed to making this business succeed. I have invested ALL of my own capital and much from my family and friends and am confident that with the reputation I have built over the last 15 years and with the new location I have opened up in Lake Oswego (LO), we now have the potential to tripple the sales that we've seen in previous years. The location we took over in LO was previously a garden center that produced upwards of $300,000 in May alone. It was run down due to change in ownership, but with our new product lineup, knowledgeable staff, and reputation I am confident we can realize that same potential.

paying off credit card

This loan will be used to pay off a high interest credit card. I am a good candidate for this loan because I always pay my bills on time. I have recently been promoted and will be earning a higher wage at work. I was unfortunately caught in the credit crunch. The "low interest offer" on my credit card has expired, and due to the current economy, there are much fewer options.

Payoff cc's used for business inven

Purpose of loan: This loan will be used to? pay off c cards run up by assisting a friend purchase inventory for business - prior to the crash.? Business is still viable, but unable to pay my cards off - limited resources - and he could not qualify for a loan ? did not know this until we tried at the local bank after the purchase. This is his life savings, so I will need to cover this and some additional debt.? Have been?waiting for them - running thru my resources and prefer to pay a reasonable interest rate and leave funds in Fidelity to earn small amount.? Have a wise financial advisor who did advise me this was not a wise move, but my friendship prevailed.?

My financial situation: I am a good candidate for this loan because? Simply I will pay the funds back and with a good enough interest rate.? I would leave most of my resources (in mutual funds and bonds) and pay back these funds out of that interest.? This business?loss will be written off over the course of several years in taxes -per my accountant.?

I own my own home/and two small farms - all within an hour of home,?and have two rentals which pay for themselves, and will be owned outright very soon.? I hold a $172,000.00 mortgage which I hesitate to sell as it comes in like clockwork.? This mortgage and ummer income pay for an additional property.? Each item I own has a very good chance of selling even in this market. The rentals are in the Raleigh NC area in prime inside the beltline locations near the University. One has been in the family since 1986 - with a small mortgage. The other is less than one mile away, similar location - solid rental history since 2002. Farm - one about an our from major metro areas, and in the family via the old land grant, one is my homeplace - within 30 minutes of RDU.

For borrowing I have always had good interest rates and nice credit lines.? Last year was brutal as my industry was in flux and I took a 6 month break at the time the market sunk to it's lowest.? We are back on solid footing, and now time to get these debts at lower rate, and plan for the next few years to get completely back on track with additional cash reserves. I have never defaulted, or not paid loans off. The interest rates I now have, are brutal - so time to pay them off, or get them down to reasonable payout. My mortgages are at 5.25 & 6.14. My debt to income ratio will be high until these debts are paid off. I am only asking for a protion of the amount needed, as I will cash out and pay for the others shortly.

Will be happy to purchase a term life insurance policy to guarantee these funds, and have the loan draft from one of my accounts.?? I should be in position to pay loan off early if this is the wish of the lender.? Please ask additional questions as I would sincerely appreciate the opportunity to pay off a reasonable debt with reasonable rates ? and provide someone a nice return.??

Thank you

Improving Credit One Step at a Time

Purpose of loan:
This loan will be used strictly as a credit bureau reporting tool.? In the past I had a loan through Prosper, which I just paid off.? Having the loan on my credit in good standing has helped boost my credit score and I would like to continue that process.? I do not currently use credit cards (I do have one for emergency, with no use or balance currently) or a car loan, so it would be beneficial for me to set up another loan on Prosper to keep the good monthly reporting going.? The majority of the money would sit in an online bank account with the Prosper loan being automatically drawn each month.? I would use a $325? to pay my remaining tuition bill for school.

My financial situation:
I am a good candidate for this loan because I have successfully paid off a previous Prosper loan (as well as have funded loans for others).? Although my credit may not be great, it is a picture of who I was 5 years ago, not today.? I am working towards creating a stable career and financial cushion.? In the last 3 years I have managed to pay off all credit card and auto debt (currently own my car with no payments), and continually work on satisfying additional bad debt collections.
My previous prosper loan was one of two loans (the second being a paid off car loan) I kept on my report to help build my credit score back up.?
After reviewing the credit report attached with this listing, I have plans to contact all credit bureaus to receive a copy of my report as there seems to be several inaccuracies.? I currently monitor my credit with MyFico.com and the information provided does not match what I review on a monthly basis and have used as a benchmark to help fix my credit score.

Monthly net income: $ 3333

Monthly expenses: $ 1287
??Housing: $ 750
??Insurance: $ Paid in full annually at $264
??Car expenses: $ 40 (gas)? No car loan
??Utilities: $ 100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Paying off my credit cards

Purpose of loan:
This loan will be used to consolodate my credit card debt.? The mega monster banks have increased my interest rates, even though I have payed more than the minimum payments and always on time.? I would really like to fire these mega monster banks (as recommended by Clark Howard).

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

Paying off my credit cards

Purpose of loan:
This loan will be used to pay off multiple credit cards with a slightly higher interest rate.?

My financial situation:
I am a good candidate for a loan because I am a home owner, my household is dual income and I have a good credit rating with an excellent payment history on all accounts.? My credit history does not show ANY negative accounts.

Would rather pay investors than CC

Purpose of loan:
This loan will be used to pay off my credit cards. The interest rate is just ridiculous and makes paying them down very tough. I'm never late on payments. Plus I'd much rather pay investors instead of the credit card companies.

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

Monthly net income: about $8,000

Monthly expenses: $
??Housing: $800
??Insurance: $100
??Car expenses: $250 (I drive a lot for work)
??Utilities: $300
??Phone, cable, internet: $350
??Food, entertainment: $300
??Clothing, household expenses $
??Credit cards and other loans: $400
??Other expenses: $

Mexico Wedding

This money will be used for my wedding this February 13th in Mexico and the reception back home the 27th. We are combining our destination wedding with a honeymoon and this loan will help pay everything in advance.

I have more than enough monthly?income to make these payments from?my full-time?stable?job that I have been at for over 13 years.? You can also see from my?past Prosper loans that all my payments have been made on time over the years.

Any questions please ask - thanks for all your help!

Payoff credit card use for surgery

Purpose of loan:
I had shoulder surgery and my insurance covered 80% of it. I used my credit card to pay the remaining amount owed. My credit card company will not work with me on the interest rate ? 19% so I need to try another avenue.

My financial situation:
I am a good candidate for this loan because I have a great payment history. I've been at my current company for 9 years, first job out of college, I'm a very loyal person and employee.

Monthly net income:
$2500

Monthly expenses: $
??Housing:?$900
??Insurance: $36
??Car expenses: $100
??Utilities: $100
??Phone, cable, internet: $55
??Food, entertainment: $100
??Clothing, household expenses $?40
??Credit cards and other loans: $ 400
??Other expenses: $ 100

Starting a Franchise! Tutor Doctor

Purpose of loan:
This loan will be used to start a Tutor Doctor franchise in zip codes 19709 and 19701 in Delaware.? I have already put down the first 25% in cash for this franchise and I need to fund the rest.? Go to www.tutordoctor.com to see the opportunity.?

My financial situation:
I am a good candidate for this loan because I have well rounded business experience.? I already have experience running a profitable small business.? I believe in the company and the product and have a strong desire to do well and to do good.

Home Stead

Purpose of loan:
This loan will be used to? Aquire a family property from the Guardian of my Great Aunt. Now that Aunt Vi has been transitioned into convelescent care, It will kill me to see someone that is not related to the family, get that property. She has been on that corner since 1952!

My financial situation:
I am a good candidate for this loan because?I have been working in ministry since Nov. 2005. I was ordained in December of 2009. The ministry allows me to work away from campus to do Crisis Ourtreach, which I'm doing now and have been since August of 2008. ?once?I?get the property in my possesion, I plas to refinance and pay back this 25K loan within 60?to 90 days.?

Monthly net income: $ 3500

Monthly expenses: $
??Housing: $ 921.00
??Insurance: $ 68.00?
??Car expenses: $100.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 125.00
??Food, entertainment: $200.00
??Clothing, household expenses $75.00
??Credit cards and other loans: $100.00
??Other expenses: $150.00