For all those entrepreneurs who lack capital, all is not lost. With P2P lending, you should be able to make your entrepreneurial dreams come true. Here are some links to get you started:

http://www.kiva.org/

https://www.zidisha.org/microfinance/lend.html

Personally, I think it is a concept that could impact millions of lives positively.

P2P seems ideal for smaller projects and generally investors ask an ROI of less than 12%. In contrast, mine is a relatively large project, with good profit margins, so I often opt to finance it out-of-pocket. At the moment, I do not require additional funds since most of my invoices have matured. In fact, I don't anticipate to have issues with cash flow in the near future.

Still, I've introduced some people with relatively smaller projects, including small scale farmers on Farming Kenya, to the P2P networks.

According to the figures here wikipedia they have lent over 66 Million to over 3,000 businesses.That is some serious money!And all this to people who need it the most or would have had to pay much more than the average 10%