Fail. We don't need another subprime lender. This country has seen enough shenanigans from IndyMac, Countrywide, and the other clowns on Wall St. Entrepreneurs, find something else to create because this is a lousy way to make money and taxpayers are done with bailouts.

If you still want to do finance, see this link from HBS for ideas on how to build a nontoxic, sustainable form of it:

http://blogs.harvardbusiness.org/haque/2009/04/manifesto.htm...