Has anyone else heard of this? I just read a article about people and companies offering "startup loans" or loans for people with bad credit or specific situation, via Facebook and Twitter?! They supposedly do not base their decision on a person's credit score, but use an algorithm that predicts success and future income, and they grant loans, even larger scale loans apparently, to start small businesses and such. I mean, this seems like it could potentially be a LOT more effective than these horrible high interest title loans or payday loans that are sometimes unfortunately the 'only' options that are offered to people with lower income and not so good credit. But, it's also via the internet...which seems like it could potentially cause problems.