The one`s I`ve seen pretty much ask for the basic stuff. Some essential personal info along with some basic financial data. Generally, they will pull your personal credit info.
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.
If you are starting a business and all you will need to be "profitable" is $10-$20K, borrowing on an unsecured note or line of credit may be a plausible solution. However, if the business will require significantly larger sums of capital to be self-sustaining, then I don`t recommend this method as the first source of funds because it usually puts an immediate "payback burden on both the business and the individual.
Your not dreaming but it will be a long and difficult path. It has been my experience that as a start-up most places will expect a personal garauntee. You can start the process of setting up your business credit file now in hopes of being able to get funding using business credit.
I have a old post from another SuN member on the steps it takes to do this. I`ll post it once I find it among the millino saved emails I have.