I remember about a year or so ago hearing about 'banks' being set up by co-operatives of individuals with funds to invest, so people could go to them for bank loans and get better rates than banks. It was all properly regulated and above board and seemed like a really good idea. I've googled but I cannot for the life of me remember what it was called (Zoot? Z-something? 
)
Does this ring a bell for anyone? TIA.