Business Expansion

My successful?new real estate company is turning a profit,?expanding, and in need of capital. We have a very successful?investment strategy and have been profiting since the formation of the company.?

My financial situation:
I HAVE NEVER MISSED A PAYMENT IN MY LIFE for anything!?I'm not relying on the business in order to pay off the loan. My income will easily allow me to pay it off. My wife and I do not, nor have we ever lived pay check to pay check. Financially, we've never been better. We're expanding our business because?business is good!

Monthly net income: $ 11,600/mo from work + ~2,300/mo investments +? = ~13,600/mo

Monthly expenses: $
??Housing: $ 2200
??Insurance: $?80
??Car expenses: $ 0 (2 cars owned)
??Utilities: $ ~250
??Phone, cable, internet: $ 120
??Food, entertainment: $?400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 178 (a?line of credit we are successfully investing with)
??Other expenses: $ 100

paying off my credit cards

Purpose of loan:
This loan will be used to?

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

Please Help Roll My Debt Snowball

Purpose of loan:
This loan will be used to a pay down a high interest rate credit card.? I would rather give you the interest income than Chase Bank!!!!!

My financial situation:
I am a good candidate for this loan because I am a stable person with a strong work ethic who works full time during the day and studies at the university at night.? I will graduate in May 2011 with my bachelors degree at age 48!?
Monthly net income: $ 3600

Monthly expenses: $ 3600
??Housing: $ 1000
??Insurance: $ 0
??Car expenses: $ 0 - I work within walking distance to my home.
??Utilities: $ 200
??Phone, cable, internet: $ 50
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 1000? ($700 goes to the minimum payments on the debt and I use the rest to pay off debt using the snowball method.)
??Other expenses: $? - 1000 - Daughter is a senior away at college.? I pay her rent and give her assistance.? This expense will end May 2011. She works to pay her tuition bill.

NO more Credit debt!

Purpose of loan:
This loan can pay off the last of my credit card debt that recently had? the APR raised to 29% +. I am loosing alot of money every month and I am not getting anywhere on paying down the principal balance.

My financial situation:
I am a good candidate for this loan because I have a stable career.? My wife and I?are ?very conservative with my money.I have borrowed on prosper before and have never been late on a payment.? I am determined to pay off my debt to?buy for a house for my wife and son.

Monthly net income: $ 3200

Monthly expenses: $
??Housing: $ 1500
??Insurance: $ 60
??Car expenses: $ 125.00
??Utilities: $ 35.00
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 250.00
??Other expenses: $ 100.00

AsianDragon has bid a total of $1,939.49 in winning bids.

"Ryan was one of my tenant back in the days and he's good for the loan.. Never once was he late on rent.. He always paid ahead of time.. Good person A++++ In addition, I funded him a loan in the past and he has paid it off.. Go for it guy.."

Q: Hi, Why do you have 24 delinquencies? Does your wife work? Is the income listed include hers? What is your job? Thanks, - p2ploan-sensation211

A: I'm a diesel mechanic and have been employed as one for the last 10 years. Yes my wife works and no this does not include her income. My delinquencies where do to poor planning on my part. I have learned from my mistakes and I'm doing everything I can to fix my credit. (Jul-26-2010)

Leverage Income/Upgrade Business

This loan will be used to leverage my payroll and upgrade my business. The first consist of paying off my car note, which is $324.40. Although there are only four payments left, paying it off will increase my income by several hundred dollars immediately. The second involves expenditures to upgrade my business. I am a home crafter and I love it. It is a small, one-woman business that I have developed over the years for enjoyment and a source of extra income. However, later I began to see it as a true business that I can develop while I am in the workplace so that when I retire, I will have contacts, customers, annual events and all the things that are needed for a prosperous small business. It is my goal to be experienced and established in my craft when I retire from the workplace.

I love creating with my hands. There is a new line of designs I would like to create that require new hand tools, supplies and materials. There are so many other things that go into creating and I get excited visualizing the finished products, which are truly beautiful and different. I am encouraged by friends, family and co-workers to continue and take it to another level. My craft has been evolving since 2005. It?s time to build on my future, not just pay bills.

I?m a great candidate for this loan as my credit score, income and financial situation have improved greatly. My payment history is very good and I?ve never been late. This loan will allow me to retain an extra $425.00 of my income and it will afford me the opportunity to create something for myself.

Overview Of Expenses:
Income: $2,154.00 Credit/loans 339.00 Note: My car note is paid prior to receiving net income.
Housing: 715.00 Groceries/Household: 200.00
Utilities: 125.00 Insurance: 88.00
DTV/ Phone: 78.00 Water Ionizer: 91.00

Paying off credit cards

Purpose of loan:
This loan will be used to pay off some of my credit cards.

My financial situation:
I am a good candidate for this loan because I have a stable part time job and am currently looking for a full time job. I am always on time with all of my payments.

Monthly net income: $ 1900

Monthly expenses: $ 1600
??Housing: $ 276
??Insurance: $ 98
??Car expenses: $ 300
??Food, entertainment: $60
??Credit cards and other loans: $ 500

Q: What do you do a for living?. Since you are a part time employee how stable is your job?. - principal-star

A: I am currently a home show/fair demonstrator for a window company. I have guaranteed work for almost full time hours through October. After that things start to slow down and then pick back up in January. But I am also on Unemployment right now since I was laid off of my last job working in the anti-virus/tech support field. So during this slow time, I will still have a source of income. I am also still looking for a full time or part time job in the computer industry. (Jul-26-2010)

ANIMAL RESCUE NEEDS HELP

Purpose of loan:
To all animal lovers:??My family and I?run an animal rescue that is solely funded?by us.? We rescue animals that are homeless, sick, injured, abused, etc.? Recently, we have had some very expensive vet bills at the rescue.? We need the loan as quickly as possible to payoff these bills and help with the rescue. Your assistance is greatly appreciated.? ???

My financial situation:
I am a good candidate for this loan because I have lived at the same address for the last 36 years, and I've worked for the same employer for 20 years.? Also, I have paid off multiple loans in the past.? I am a Tax Auditor for the Department of Revenue.?
Monthly net income: $ 2364

Monthly expenses: $
??Housing: $ 500
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $200
??Clothing, household expenses $
??Credit cards and other loans: $ 481
??Other expenses: $

Q: Humans, this is an excellent investment, let's lend to this one! I know Prosper allows the borrower to pay in full up to 36 months. Will you go the distance or will you pay this loan off sooner? If so, in how many months? PS: Please answer publicly. - hektek22

A: HI. OF COURSE, WE WILL TRY TO PAY THIS OFF AS QUICKLY AS POSSIBLE. THANKS FOR THE SUPPORT FOR THE ANIMALS. :) (Jul-24-2010)

Q: Why are your monthly insurance, car expense, utilities, phone, inter- net, cable, clothing, household, and other expenses not complete/ indicated? - RecoveryLender

A: HI. THERE ARE FIVE ADULTS IN MY FAMILY LIVING & WORKING WITH THE ANIMAL RESCUE. DIFFERENT BILLS ARE COVERED BY EACH PERSON. IT'S AN UNUSUAL SITUATION, BUT IT WORKS FOR US. THANKS. :) (Jul-24-2010)

Q: Have you been renting at the same address for the last 36 years, and will you be the ONLY one responsible for repaying this loan even though 5 others share monthly living expenses? Thanks - RecoveryLender

A: I ACTUALLY DON'T RENT. ALL FIVE MEMBERS OF THE FAMILY CO-OWN THIS HOUSE. I GREW UP IN THIS HOUSE. YES, I WILL BE SOLELY RESPONSIBLE FOR REPAYING THIS LOAN. (Jul-25-2010)

Q: Please re post the loan if it does not fund the first time. - pioneer580

A: HI. THANKS FOR THE SUGGESTION. I'M WORRIED THAT IT'S NOT GOING TO FUND IN TIME. HOW WOULD IT HELP FOR ME TO RE-POST IT? THIS IS A REALLY GOOD CAUSE, SO I'M REALLY SURPRISED AND SADDENED THAT MORE ANIMAL LOVERS ARE NOT HELPING. :) (Jul-28-2010)

Q: Well.. not certain even what the rules are for any delay in re-posting. The numbers (budget, loan amount, purpose) with "Dept of Revenue" did not add up for me either. There is a story behind the story and it jumps out as incomplete. - pioneer580

A: I WORK AT DEPT OF REVENUE AS A TAX AUDITOR TO PAY THE BILLS BUT MY PASSION IS WORKING WITH THE ANIMALS. MOST OF MY MONEY GOES TOWARD PETFOOD, SUPPLIES, MEDICINE, VET BILLS, ETC. IT'S A LABOR OF LOVE FOR MY FAMILY, BUT SOMETIMES OUR HEARTS ARE BIGGER THAN OUR BANK ACCOUNT. :) (Jul-29-2010)

Need deposit for apartment

Purpose of loan:
This loan will be used to?
Put down a deposit on an apartment as well as probably buy a piece or two of furniture.
My financial situation:
I am a good candidate for this loan because? I hate borrowing. I hate debt. I LOATHE credit cards. I will do everything I can to pay this loan off as quickly as possible. In the meantime the monthly payment is negligible.

A bit about me:

I've been a lender on Prosper or nearly 3 years... Made some mistakes early, so I've really done just a little better than break even... When I was younger I was caught up in a ridiculous competition with a friend of mine to see who could have the most credit cards... huge mistake of course... Spent 15 years recovering, and realizing that the credit card folks would do ANYTHING they could to raise my rates and keep me in the cycle. As you can see from my numbers above, I do not have any more credit cards, no debt (besides my mortgage). I do not make late payments. Last week I ran my experian report for the first time in forever (because I knew I'd be looking for an apartment) and it came back as a 748. I see it listed a little lower up above and I'm surprised to be listed as a C, but no biggie. I don't care about my credit score because I'm not really interested in anything that it can get me. I'd rather pay cash. This is just an unforeseen circumstance. My wife and I are splitting after a slow process (not any kind of sudden drama). I am going to continue to pay for our house ($1600). I've started to save cash for a deposit and some basic furniture, but making the transition and saving on my own will take me a couple of months and I've realized that, (in order to best preserve our friendship), I need to move sooner than that. Also I realize that the longer it takes me to move, the harder it will be for my 8 year old son. So, I've decided to utilize Prosper. I will pay the loan off quickly and free your funds back up for further investing.

Monthly net income: $ 4100

Monthly expenses: $
??Housing: $ 1600
??Insurance: $ 81
??Car expenses: $ 0 (no car payments... they're evil too)
??Utilities: $ 175
??Phone, cable, internet: $ 12 (I work for AT&T so I get these for practically free)
??Food, entertainment: $ ? (paid in cash, so if I don't have it, I don't spend it).
??Credit cards and other loans: $ 0 (EVIL)
??Other expenses: $ 1000 (rent on new apartment)

Q: What specifically do you do for a living? - smarva

A: I am a Training Development Manager and supervisor for AT&T. I arrange individual and group training for new employees, upgraded employees and employees with identified skill gaps, as well as training on new technologies and newly deployed equipment. I also supervise the installation of new equipment for 78 Central Offices (where the home wiring comes in and joins up to the Switch and Transport equipment to go out into the network). Thanks for asking. - J (Jul-27-2010)

Teacher starts getting out of debt

Purpose of loan:
This loan will be used to?
Pay off?one credit cards with a high interest rate.? The interest on this card is 24%?and?I would rather pay investors than the credit card company.?????
My financial situation:
I am a good candidate for this loan because?
I always pay on time and when I can afford it, I make additional payments.? I would really like to be debt free so I can start saving money for my future and I will eventually need to invest in a new vehicle.?
Monthly net income: $ 2700.00

Monthly expenses: $2125.00?
??Housing: $ 1050.00
??Insurance: $ 75.00
??Car expenses: $ 0.00
??Utilities: $ 120.00
??Phone, cable, internet: $ 130.00
??Food, entertainment: $ 100.00?
??Clothing, household expenses $? 150.00?
??Credit cards and other loans: $ 500.00
??Other expenses: $ 0.00

Q: Hi, Do you usually work in summer? If not, do you have income in summer? Is there budget cut or laidoff for your school? Thanks, - p2ploan-sensation211

A: Hi, Thanks for the question. I tutor in the summer and I teach summer school. There will not be budget cuts or any layoffs at my school anytime in the near future. In my district, it's not a regular occurence to be laid off. Thanks (Jul-23-2010)

Q: How did you build up the revolving credit balance? Are you the only wage earner in your household? - p2ploan-sensation211

A: I am the only wage earner in my household. This credit was built during graduate school and with setting up a classroom. (Jul-23-2010)

toucan12

Purpose of loan:
This loan will be used to? complete downpayment on existing medical business

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

Monthly net income: $7,000.00

Monthly expenses: $
??Housing: $ 2,800.00
??Insurance: $ 160.00
??Car expenses: $ 338.00
??Utilities: $ 165.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 380.00
??Credit cards and other loans: $ 998.00
??Other expenses: $ 127.00

Pay off my credit cards

Purpose of loan:
This loan will be used to consolidate my credit card debt. I have been focused on paying off debt since college and would like to consolidate the remaining $4500 in credit card debt.

My financial situation:
I am a good candidate for this loan because I have consistently paid off my debts and been employed since college. I had some late payments in 2002 after graduating college and looking for a job, but have been employed since. I have already paid off over $18,000 in credit card debt in the past 3 years incurred when I began a software company in 2006. I'm hoping to reduce my remaining debt interest rates to save over $800 per year in interest payments.

Debt consolidation

Purpose of loan:
This loan will be used to pay off 2 higher interest credit cards.? Once paid off I plan on closing the accounts.

My financial situation:
I am a good candidate for this loan because I have been employed for the past 11 years with the same employer.? My bills are paid on time.? Additionally, my husband is self employed and my income is more of a supplement to his.

Monthly net income: $
$2800 plus the income from my husband (roughly $4000)

Monthly expenses: $
??Housing: $ 600
??Insurance: $ 100
??Car expenses: $200
??Utilities: $ 100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 250
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300
??Other expenses: $ 75

Equipment rebuild

Purpose of loan:
This loan will be used to? Rebuild equipment

My financial situation:
I am a good candidate for this loan because?
I have worked as a self-employed truck driver successfully for the past 22 years. I've had the same contract with a very large trucking company for the last 15 years.?Because of? being self-employed and the stigma attached, I'll have to start small and hopefully build a track record with?investors. Thanks for your consideration.

Monthly net income: $4,800

Monthly expenses: $
??Housing: $ 1,600
??Insurance: $ 340
??Car expenses: $ 344
??Utilities: $ 120
??Phone, cable, internet: $210
??Food, entertainment: $ 500
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 300
??Other expenses: $ 100