That's barely a demo of the website.Just a HTML page with broken links.I like your concept but the market is quite saturated as you know many p2p platforms are not doing great at the moment.Its very easy to cheap and get away with it,take defaulters from BTCjam for example.
This site is different from other sites as lenders who have had their loans defaulted would have options on selling their debit to someone closer to the borrower. Valid ID is required to join the website. Escrow would be built into the website following what happened during the master-p scandal.