http://www.scmp.com/portal/site/SCMP/menuitem.2af62ecb329d3d7733492d9253a0a0a0/?vgnextoid=9c85c5c5ebd82210VgnVCM100000360a0a0aRCRD&

Scott Langmack has given more than US$600,000 in unsecured loans to strangers.

"I can reliably get 12 per cent, worst case 9 per cent," said Mr Langmack, 50, a former Microsoft marketing executive who began investing in so-called peer-to-peer lending last year. "I can't find anything that gives me this kind of confidence."