Abstract: Systems and methods for lending based on automatic retrieval from third-party databases of data for loan qualification scoring factors in the nature of: financial management, leadership, social networking, advocacy, and accountability, and providing investors a borrower credit profile and/or loan qualification score derived at least in part from the scoring factors. A method of dynamic loan pricing, including the steps of: periodically updating an existing borrower's credit profile, and changing the terms of an existing borrower's loan, or making a new loan offering, based on an updating. A method of lending based on automated use of the following loan qualification scoring factors: financial management, leadership, social networking, advocacy, and accountability. Methods and systems for creating fractional units of a loan and offering the units to lenders to create a loan that is the aggregate of multiple subloans (loan subunits) from different lenders.