Contrary to my friends at http://www.friendsclear.com/, I am not an expert in P2P lending, a market I started to follow as a Forrester Research analyst when Zopa was created in the UK.
P2P lending was a buoyant small space. But financial scandals, the resulting economic crisis and a favorable US regulation (the Jumpstart Our Business Startups (JOBS) Act) are making crowdfunding and the notion of by-passing traditional lenders more and more popular. If you're interested in this topic I recommend you follow Matthew Paulson and Peter Renton from http://www.p2plendingnews.com/ and http://www.sociallending.net/.
Via Therese Torris