Peer-to-peer lending, also called social or crowd lending, is borrowed capital from individuals or associations for small and micro entrepreneurs. Peer-to-peer lending is done through individuals or specialized firms. Ways of solicitation can be through professional intermediaries, such as Prosper Marketplace. The advantage is that intermediate players, such as banks, are not involved. This results in lower costs for the recipient of the money than is often the case with banks, and financiers can speculate on higher profits than, for example, bank interest rates.