Eric's Credit Community

Much respect, Prosper Lenders,      In all honesty, I am not in "dire" need of a loan, but it would complement my business endeavors and would allow me to keep some liquid funds free (as a cushion). I am honored to share a nitty-gritty profile with you:
ABOUT ME : I am 37, married to a wonderful man who is 44 and we have a beautiful 8 year old daughter & a lovable family dog (who thinks he's human). I have a Bachelors degree in Industrial/Organizational Psychology from the University of Georgia and a MBA with a double concentration in Human Resources and Marketing from Florida State University. Both my husband and I are employed with a gross household income of $150K. I have worked with my employer (a Fortune 50 company) for 6 years. We own our 5 bedroom/5 bath home and have lived there for 4 years. We currently have about $100K in equity in our home.
WHAT I NEED THE LOAN FOR: In addition to being employed full-time, I own an event vendor selection & management firm (Flat Rate Weddings & Events) which provides subcontractors to private groups and corporations who host events. For instance, for a corporation's convention, we would work with their event planner to provide screened, credentialed vendors who may provide any desired support services ranging from catering to audio-visual, to entertainment. Our company pre-negotiates rates with our subcontractors and offers upfront, flat rate pricing to our customers. I am currently updating the backend technology on our website and would leverage the funds to support this effort.
HOW I WOULD SPEND MY LOAN:
Our new customer relationship management system will be driven by Salesforce.com and we will use the funds to go towards the purchase of the Salesforce and Account Dynamics (helps Salesforce integrate with QuickBooks) licenses. The licenses are $2400/year/user and we require 4 licenses. They would equate to $9600.  I am only asking for $5000 and will be funding the balance myself.
MY CREDIT: My credit has tremendously improved over the last 7 years. As many individuals, I was not financially savvy coming out of college, but I have worked hard over the last 7 years to address all issues. I have paid off almost all the collection agencies. I finish one this month and have one more that I pay monthly. I have now been able to be awarded new, lower interest credit and have greatly reduced my mortgage rate due to my improved financial standing. In looking at a recent copy of my credit report, there are a few errors that I have sent in disputes for and should be corrected soon. I should not have any delinquencies.
MY BUDGET:  Monthly take home pay after taxes and deductions: $7500
Expenses:  Mortgage: 2300, Car Ins.:200, Food: 300, Electric/Natural Gas 300, Cable 80, High speed: 35, Cell: 100, Gas: 100, Spouse's truck: 411   Total: $3826
Credit card bills: $0 I have no balances on my current cards.  I have paid off my SUV, so I have no car payment.
Ability to repay: I have $3674 dollars/month left to pay this off. I also have liquid assets of $25K that I would use if something unusual happened (job loss, etc.), so please be assured that your investment is safe. I have not worked so hard to improve my financial status to blow it here on Prosper. I also have direct deposit.  Thank you in advance for your consideration and please do not hesitate to reach out to me should you have additional questions.