All you need. Nothing you don't.
The banking industry has a new competitor. The ‘person to person loan’ it’s called. Individual borrowers and lenders meet via the internet. One such site has almost a half million registered users – prosper.com.
Loans are made and repaid without the proverbial middle man. This represents the de-professionalization of another major institution and the parallels to clergy-less house churching are readily apparent. Folks really can serve one another beyond and without “the system.”
Power to the people.