Peer to peer lending in Canada?
Yes and no, P2P Capital Markets is similar concept but is more geared towards business loans. Community Lend used to offer this service but has stopped.
I want to understand the specific mechnisms, the chemicals and processes involved, I want to see peer review. I want more than a vacous, misleading comment that stands on shaky footing.  You don't seem to have a very firm grasp on the subject considering your comment. Do you really think it's a stretch to doubt the safety of spraying comestibles with carcinogens? **Net neutrality**  Net neutrality is the principle that Internet service providers and governments regulating the Internet must treat all data on the Internet the same, and not discriminate or charge differentially by user, content, website, platform, application, type of attached equipment, or method of communication. The term was coined by Columbia University media law professor Tim Wu in 2003, as an extension of the longstanding concept of a common carrier, which was used to describe the role of telephone systems.  A widely cited example of a violation of net neutrality principles was the Internet service provider Comcast's secretslowing (a.k.a. “throttling”) of uploads from peer-to-peer file sharing (P2P) applications by using forged packets.  ***  ^[ [^PM](https://www.reddit.com/message/compose?to=kittens_from_space) ^| [^Exclude ^me](https://reddit.com/message/compose?to=WikiTextBot&amp;message=Excludeme&amp;subject=Excludeme) ^| [^Exclude ^from ^subreddit](https://np.reddit.com/r/economy/about/banned) ^| [^FAQ ^/ ^Information](https://np.reddit.com/r/WikiTextBot/wiki/index) ^| [^Source](https://github.com/kittenswolf/WikiTextBot)   ^] ^Downvote ^to ^remove ^| ^v0.27 "I wrote about it above... my employer doesn't pay for the service,  and isn't under any contract (other peer companies do pay for it). I'm partially a hero for completing the project for free, but that's another story.   I also created the company and did the work outside of business hours, so that I wouldn't breach any conflict of interest rules.   And being a government body, rather than a ""for profit"" corporation actually makes this kind of thing a lot easier to do, assuming you don't charge your employer money." There are definitely ways to retroactively consolidate medical bills -- there's an entire industry of companies offering debt consolidation (many of which are scummy/predatory, be careful! See https://www.consumer.ftc.gov/articles/0150-coping-debt and some decent articles at http://blog.readyforzero.com/are-there-legitimate-debt-consolidation-loans and http://blog.readyforzero.com/how-to-find-a-reputable-debt-consolidation-company). In general, what you are looking to do is take out a loan, possibly at a better interest rate than whatever you are being charged currently, and pay off the medical bills. If you are not paying interest on the medical bills and are just being allowed to spread out the payments, you are already golden and should just put up with the ups and downs. If you have any equity in a home, take out a home equity loan or line of credit, pay off your medical bills. Rates are still great right now. Even if you have no home equity to tap, if you have a steady job you might be able to get a nice small loan from a local bank or peer-to-peer lending site. Do your homework and only work with reputable companies, especially if doing things online. In the United Kingdom, there is a leading company that has been offering Progressive business funding solutions to the businesses for the last 120 years. Their service areas are South Africa, New Zealand, Ireland, Canada, Australia, USA, etc. Do you know how SoFi's business model works? They're usually pretty conservative with their loans and refinancing. But I guess if they were looking to expand into riskier loans then it sounds like they've got some red tape that'd hold them back. Thank you for the explanation, much appreciated. "Edit:  This is false.  Seritage has no listed properties in Canada [on their website](http://www.seritage.com/properties)  And ""Fast Eddie"" will make even more bank by renting out the space occupied by his old hobby project through Seritage, after neglecting the space his hobby project was in since his purchase during his stock buybacks." The most obvious route is to short the lenders, preferably subprime. Since there are no lenders that operate exclusively in San Francisco, you could look north at Canada. The Canadian real estate market (esp. Vancouver) is just as overheated as the San Francisco market. As a start, famous short seller Marc Cohodes recommends HCG (Home Capital Group) as an opportune short.