Always be highly suspicious of "investments" that put more emphasis on network marketing than they do their business value proposition. Lending is not an easy industry to get into unless you have the infrastructure to enforce the loan obligations, otherwise the bad debt goes uncollected and the firm sells the debt for pennies on the dollar, leaving investors with substantial losses.

Encore Capital makes a business out of buying up bad debt from companies who gave lines of credit and sending their lawyers after the people who stopped paying. One stock that goes up during a recession!