Thanks @0xbitcoiner for your suggestion inspiring this post. This will be an interesting challenge and a defeat to the acclaimed @supertestnet' LoanShark plus many other projects trying to be the third party between "peer-to-peer" lending deal. True is certain mechanisms could be automated, and creating a system to do it make sense. But the winning party is inn most of the cases always the lender. So all these great platforms always just talk about the successful loans completed, but no oe talk about the shame and distress un unfulfilled loan can give to people. However, a totally differet topic... let's focus!

Another good point to support this idea, was a memory of those good two pages full of ads printed in 6pt when I was reading the local newspapers ages ago. And those pages, between job and real estate ads, always contained some shark looking to lend some cash. Why not replicate it in stacker news, then?

Without a systemic technology enabling the trade til competition, managing a P2P loan itself it's complicated, especially when there's no trust between lender and borrower, and trying to do it within the challenge of crafting the ~AGORA itself make it even more difficult! However, we can only provide the option to enable it and the guidance and support for both parties included in the deal, as we do for other types of deals here in this territory.

Let's see if I can define some guidelines on how it could be advertised, trying to find a nice structure similarly as done for the review ad-post type. And the question is then automatic: should we keep a generic [LOAN] tag or otherwise, how the counterpart will advertise then when looking to borrow? The tags might need to be representing the two sides of a loan, credit and debt, in the same way it happens for [BUY] & [SELL]. May it be something like [LEND] ad [BORROW]?

I can see being a lot of sharkers (loanshark+stackers) giving away credits, but not many looking and advertising to get in debt. In the same way, here like in the markets outside, there's not many people that are comfortable posting a [BUY] ad-post meanwhile the [SELL] offers are numerous and variated! There's a reason for it!

Choosing a tag goes is indeed a meaningless question to consider, far behind the offering or seeking for a loan itself, digitally? Here on a forum site? The only good thing I can see here is the P2P factor, other than that, I've always been against these kinds of toxic deals. But looking at the market, loans and bitcoin loans itself become a whole new sub-industry because of the benefits of not requiring a credit check, nor question asked, and some braves daring to offer it with no collateral upfront! Wow...

So the question is which [TAG] for lending or borrowing BTC/money we'll all used to post Ads on SN?

And secondly, how a structured loan ad-post type will look like? Which info are needed and which others will be a nice add-on to have/know before singing the agreement? Let's try:

Example for a Quick Loan Interest rate: 0% (ideally) Cash: from X to XXXXXX... Term: Y months Loan Origination Fee: Z% (if it pass 1 digit % fee it's usury) Free early repayment option

Example for a Flexible Loan Interest rate: from 0% (ideally) Some kind of collateral is suggested LTV: from 50% to 80% of the collateral value Loan Min Cash: XXX Term: up to Y years Loan Origination Fee: 0% (ideally) Early payment (before 30 days) fee Z% (if it passes 1 digit % fees it's usury)

I know this is a foolish post, firstly because have no background nor knowledge or experience in loans, secondly because doing it in a news/forum website sounds crap. But I did try building a marketplace in it with a reasonable amount of positive feedback, plus loans make a good part in moving the markets, plus I really wanted to explore the idea and see what others think about it.

That's all stackers, and thanks for reading until here!