If I undersand how it works you make one payment to Prosper and they disperse to each lender their share of the loan and interest.
However the worse your personal credit the less likely you are to get a loan. What they don`t tell you is even before your request is posted Prosper runs a credit check on you.
For the most part it depends on many factors. The first one is how much you are looking for. As an example, some lenders who will provide an unsecured loan for start-ups - up to $15 K pretty readily - based upon a short form application.