The lender agrees to a number of issues with the site, such as the amount of time you will have money available for the loan, the interest that you wish to receive, etc. And finally involved borrowers who have to meet certain requirements, starting with a resident of the country in which the agent works, and perform a control which verifies information concerning your monthly income, mortgages, previous debts, etc. ., proving that it is reliable for the credit. Similarly, if you do not pay your debt, you perform a series of legal actions, like those carried out traditionally. Other companies also are dedicated to being middlemen are Prosper and Leading Case, U.S. And Zopa hopes that it extends this year to Spain, which currently is working. Apparently, the latter business is getting out round. In 2006 moved loans handled 12.5 million euros, and in 2007, amounted to 14 million euros.