与传统商业贷款不同的是,Prosper是根据个人信用额度,而不是企业信用做担保。玛丽·奥斯汀明白,单靠自己的存款和信用卡贷款额度筹到的1万美元,远不够开一家女装精品店。为了支付租金、押金、装修牌匾和进货,她至少还需要1万5千美元,而且是越快越好。申请银行贷款要等很久,根本来不及,她的信用卡额度也不足以支付开支。 Unlike traditional commercial loans, Prosper is secured on the basis of personal credit, not corporate credit. Mary Austin understands that a mere $ 10,000 made solely from her savings and credit-card lines is far from enough for a women’s boutiques. To pay for the rent, the deposit, the decoration plaque and the purchase, she needs at least $ 15,000, and the sooner the better. Applying for a long-term bank loan has never been enough before, and her credit card limit is not enough to cover expenses.