YES-secure is an online peer-to-peer lending and borrowing marketplace which entered the UK unsecured consumer loans space in June 2010 and handles financial transacting activities for its registered members. Its eBay like business model enables registered individual borrowers to place loan requests which are then bid upon by the lenders, with the lowest-rated bids finally combined into a fixed rate loan. A unique feature incorporated into the YES-secure business model is the social networking aspect which allows the users to utilise their community contacts in the financial transactions taking place on the platform.