If you can't provide collateral, then I'd recommend that you check out our website: bitlendingclub.com
We allow you to complete a verification process you may be able to find an investor a lot easier. Please note that we have strict verification requirements which are aimed at giving the lender more confidence. At the core of finding a loan is trust, when you can show that you're trustworthy then you have a better chance of obtaining a loan. On the other hand we also know that privacy is also important, so we as a 3rd party allow borrowers to maintain their privacy as long as they pay off their loans.
Here is how a fully verified member loan request looks like:
https://bitlendingclub.com/loan/browse/lid/734 Note that it shows the country flag of the borrower and a BLC rating of 5/5. This means that the user has completed all 5 mandatory verification steps (otherwise they wouldn't be able to post the loan request anyway).
Here are the verification steps:
1. Verified their ID, by uploading a copy of their ID, Driver's License or a Passport.
2. Verified their address, by uploading a proof of address (i.e. utility bill, phone bill, cable or internet service bill, etc.)
3. Verified their phone number by receiving an SMS with a PIN number which they must enter in our system.
4. Verifying their e-mail address in order to ensure that they can receive e-mail notifications.
5. Providing a proof of income. The borrower must upload the 3 most recent paychecks and specify the contact information of their employer (company name, address, phone number, and length of employment).
If a borrower defaults, then we can release all of these documents to the lenders for the purpose of legally prosecuting the borrower and collecting on a loan.
