And if you're in a tight spot for money, you should join our group on Prosper.com, an excellent people-to-people lending web-site that I wish had found six months ago. In fact, I wish I had founded this group a year ago! I had certainly been talking about the concept- my friend Pravin can attest to that fact.
Regardless, I've dived in and created a closed group in Prosper, called Agile Entrepreneurs. I intend to invite other entrepreneurs to join the group and use it to raise small loans until they are able to generate cash flow or get funding.
And if you're looking to make money while helping out your fellow entrepreneurs, you should support Agile Entrepreneurs on Prosper.
You make money on the interest that is set by an eBay-style bidding, based on the borrowers credit history. Most people make multiple loans of small amounts to diversify and reduce their risk. Note that Pierre Omidyar, the founder of eBay is an investor in Prosper!
So far Prosper seems to have had excellent results for both lenders and borrowers.
Check it out!