I'm looking to raise a total of $250,000 in the form of personally-guaranteed promissory notes with a term of eighteen months and a fixed rate of return. The notes are offered with a base return of eight percentage points (APR). In addition, a capitalization bonus of up to four additional points (APR) is offered. Interest will compound monthly. The bonus is calculated as the percentage represented by the amount of the note relative to the total capitalization sought. For example, a note in the amount of $125,000 would represent fifty percent of the total capitalization sought ($250,000). This would yield a capitalization bonus of two percentage points: four points at a fifty percent rate of capitalization (4 x 0.50). The total APR return for this example would be ten percent. My hope is to repay these notes sooner than the full term of eighteen months. In that case, a pre-payment penalty will apply in the amount of one-third of the remaining interest. I will continue using the example of the $125,000 note at ten percent APR. If the full amount of the funds were utilized for the entire eighteen months, the interest payable at the end of that term would be $20,139.04. If that note were repaid after six months, the interest payable would be $6,381.66 for the six months the funds were actually utilized, plus one-third of the interest amount for the remaining twelve months (0.3333 * $13,757.38, or $4,585.79), bringing the total interest payable at the end of six months to $10,967.45. In order to ensure repayment of the notes in the event of my untimely demise, I will take out a term life insurance policy and make legal arrangements sufficient to cover the principal and interest payable to all note holders. Serious interested parties please respond by PM. Thank you.

$250,000 ??? I wouldn't lend or give $10 to an unknown person. Not even mentioning whether the person lives in YOUR country. Good luck on collecting on that in a lawsuit. US Bankruptcy takes care of the obligation to repay the $$$. Judge: "So tell me, how do you know the defendant?" Plaintiff: "Well, I lent him $250,000 through a free classified on EliteTrader.com. He seemed like a nice guy..." Judge: "That's a good one! Have you checked out the Nigerian scams? Then, you would at least have a chance at $20 million..."

Are the mods away from the weekend or what? I've seen decent posters modded away and this makes the cut? Why is this post still here? Or is this representative of what ET has become?

I think this sort of thing is frowned on at this site. I think the best place for you to accomplish your goal is at prosper.com. This is a place that hedge funds have gone to and raised money. Your loan request is evaluated and then funded by many people to reach the total loan amount, not just one loan to one person. It really works. Hope I have helped a little.