be a lender or a borrower

I was reading my fast company april issue (catching up actually) and came across prosper.com, a peer to peer lending site..its like ebay for people looking for a loan and people looking for a place to dump some dough.. I checked it out and the listings are from things like starting a new business, to pay off credit debt, to getting married! so if youve always wanted to be a VC or angel investor here is a good way to start..and if you need some $ for anything it may be worth the visit to their site...make sure to read the FAQs though..