There are banks and credit unions and loan sharks. Now you can add a new funding option to the list and it's one that small businesses, with good solid credit, may find extremely beneficial. Simply, the Lending Club uses social networking to hook lenders and borrowers together. It's like the Match.com of credit. Those with good credit reports can borrow at lower rates, and those looking to make a good return on an investment can lend out funds and get a bit more than current savings or CD interest rates.