Little short on money for a new project? Can’t get friends or relatives or a bank to take notice? What do you do? Here are a few sources of loans or even revenue:

• MarketWatch reports that there are viatical buyers who purchase your life insurance policies. They typically pay out between “15-30% of the policy’s face value”, dependent on a number of factors. When you die, they get the value of the policy. This is ideal for someone who has a life policy but no dependents.
• Zopa and Prosper are new peer-to-peer financing websites that bring together diverse investors and help broker a variety of loans to people who might otherwise have a hard time finding loan money. Risk is reduced by spreading loans over a number of investors instead from just one.
• This isn’t so much a way to find money as to save it, if you have debts agencies are trying to collect. Marshall Loeb, in Marketwatch talks about protecting yourself from debt collectors, particularly those few who may use illegal collection techniques.

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