Micro-financing. Person-to-person lending. You'll find it at Zopa, Prosper, and I've now found Kiva.
Kiva has a philanthropic twist as its aim is to help the poor.
There will be more coming like these. Over the weekend, I read about realtors' woes with this new fangled stuff at Jeff Jarvis' site.
Lots of industries / companies tackled around the ankles by us little folk. Will business prepare?