Abstract: Pools of money or loanable funds are created. The pool is assigned certain attributes. People, companies or entities are allowed to apply to the pools of loanable funds as loan applicants. The loan applications are aggregated and forwarded to a lender or creditor or on behalf of the creator of a pool to a lender. The creator can be a lending entity, a company or a person. The pools can be given a combination of characteristics that are considered the current and normal method of expressing loans and credit applications to the public as well as lenders and creditors.