For now,you can invest in Peer to Peer lending website
www.getline.in You get daily interests based on your investments.
As long as lending is concerned.I tell you,very few trusted members who pay loans in time with good interest rates so as to many money.Most of time its the majority of shill accounts who do stuff that they're sure will get them negative feedback.They ask for loans,give their accounts as collateral for fairly small amounts and run away.After few days you will find the account given negative marks and is not worth the sell.Your loan=Default.
You can start digging deep and understand if the loan requested is by a legit person.Few rules I would like to recommend.
1)Always ask for a signed message from the oldest staked address,you can have a clue when was this account sold.
2)Always check in the trust profile page if the user's password was set or changed recently.
3)Check for Lutpin's thread about the alternative accounts and see if the person has a shady history or any of them are currently negative marked.
4)Use escrow to hold and verify the collateral.
5)Check the validity or say history of the alt coins you're taking as collateral.
6)Never give loans in $ ,always use bitcoin prices to do so.Dollar rates fall when bitcoin pumps and hence the borrower will be in profit of btc's.
7)Don't ever accept digital goods such as Gift Cards/Domains/Hosting etc for collateral.They either can't be transferred or are volatile to chargebacks.
8)Finally,keep in mind,the profits earned by interest rates depend on how many people borrow and use your service.The more people use it,more chances of your profits.Build good relationships with the borrowers so they can ask loan again.
Good Luck!
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