Hello sir. It is a interesting project. I'm a computer engineer with a big experience in web development. I have read the requirements but I have a question: the lender decide in live if he like the customer, right? Do I have to implement the logic to decide it or the process uses a third party's API? I would do a requirements document with all the use cases, to be sure that I do what you want. After that, I would start to implement the code. Sure you will be satisfied with the work. Regards!