Online fund-raising can become a complicated process, especially when large sums of money are involved. A number of startups have attempted to simplify the process and provide users with progress analytics. Below are descriptions of the more prominent solutions available for peer-2-peer online fund-raising and lending.

Kiva is focused on providing loans for low-income entrepreneurs in the developing world. The company collects small loans from a massive pool of lenders to provide larger sums. Payments are processed through PayPal after Kiva collects the entire owed amount. [Kiva.org]

Lending Club relies on existing social networking platforms to connect lenders with borrowers. Authentication services include credit scoring, automated clearing house, and community based lending. [LendingClub.com]

Prosper allows users to list desired loan amounts in $50 increments up to $25K. The company automatically groups best rates into a simple loan and handles all repayment/collection responsibilities. [Prosper.com]

ChipIn provides a widget for users to collect and promote fund-raising efforts. Users can spread the company’s flash widget across blogs, social networks, etc and receive money through PayPal. [ChipIn.com]

Scred is community cost-balancing tool for spreading expenses across a group of people. Ideal for organizing events and planning trips, Scred can also manage transactions in multiple currencies. [Scred.com]