Hard Money lending? Prosper.com or Zopa.com?

[Surfah]

Just wondering what you all think of this. I have some friends who are email lists to lend hard money. Curious to know your thoughts and if any of you have either borrowed or lended through any of these avenues.

Here's an interesting article about Prosper and Zopa:

http://www.salon.com/tech/feature/2006/05/22/prosper/