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This is by far my favorite of the ideas. It is almost like you could give them a bootcamp class to get them to approved. However, there are two barriers I can think of right now. First, what if the need for the loan is immediate? Is there any sort of bridge? For example, if my car broke down and I cannot afford to fix it, and I need my car for work, I might not be able to wait 180 days. The other barrier would be lack of approval related to lack of income. Income is not necessary easy to adjust in 180 days or less.