Here's a few new innovative lending sites that I've come across lately in my web travels:
Kiva - an innovative new site that connects micro-lenders (as little as $25) to entrepreneurs in developing countries.
Prosper - the online marketplace for people-to-people lending.
I believe both of these sites (or something like them) have the power to change the world. Just like eBay did with P2P selling, they democratize the capital / fund raising process between individuals.
Instead of having to go through a tight-fisted loan officer as GloboCorp Inc., you can obtain a $10k loan for a new biz idea from just about anyone in the world. That is, if you can convince them of your credit worthiness and your project's potential.
The one complaint I have with Prosper is that you really have to put yourself out there, to attract the attention of lenders.
Most people publish a photo and essay about their lives and why they need to borrow the money. (pay off credit cards, student loans, etc)
This could be embarassing for some people, who'd prefer that a rough time in their lives (like having $10k in credit card debt, or whatever it may be) not be recorded indelibly by Google & the likes.