How would microcredit work for musicians?

Just asking that question of myself and the world at the same time. Please add your thoughts in the comments, here, and I'll post a 2nd post about this soon.

Please see...

• the Wikipedia page about microcredit
• microplace.com - on the SEC, backed by eBay
• prosper.com - P2P loans of all types
• kiva.org - which gives no return, just appeals to charitable intentions
• sellaband.com - the only similar idea I've seen for music (but read this outside summary of sellaband, too)

... then give your thoughts, here!