gazaataDotCom is a peer-to-peer (alternatively known as person-to-person) online lending platform that connects qualified Borrowers to individuals looking to lend out their capital in return for interest income. Our platform incorporates traditional and alternative credit scoring decision metrics to create a more holistic report for qualifying Borrowers and giving a better representation of “creditworthiness”. We enable qualified Borrowers to access a lower cost of capital, based on their score, as well as creating a more efficient, personalized, and friendly approach – all from their mobile device. We also provide individuals (Lenders) with an alternative investment opportunity by excluding banks and traditional credit institutions. Lenders can lend directly to these qualified Borrowers thereby earning higher returns as opposed to having their capital sit in a bank savings account. Traditionally, the middle-class has had two options to grow their capital; one being a bank savings or investment account (risk-free, low reward), or (more risk, not always more return) like stock markets and cryptocurrencies. We provide a third option that enables individuals to grow their capital by investing in personal loans. Lenders can choose their risk tolerance based on data we provide them about the Borrower. We democratize the lending process by getting rid of banks as the middleman. gazaataDotCom, "the smartest way to Lend and Borrow. Making the credit lending process more social."