Private Goldmine is a scammers paradise. Anyone can sign up as a private lender. There is no verification. I know, I did it and I don't have a dime to lend. Of the 4 lenders I contacted, 3 wanted cash up front. I was scammed out of $35,000 by one of the four lenders. All 4 use something called an "advance funding" scheme. I can't believe I was so stupid. I am in possession of a 100% fake credit card the funds were issued on. There may be legitimate lenders, but I doubt it. Save yourself the $97.00 a month. They do not return fees paid.