Though other online person-to-person loan facilitators have claimed to be open to subprime borrowers, the start-up Loanio Inc. has gone an extra step by offering tools that cater specifically to them.

The Nanuet, N.Y., company launched its site Wednesday with the intention of attracting the business of borrowers with poor or nonexistent credit histories. Such borrowers can offer other financial records, such as tax returns, to prove their ability to repay loans and also can use a co-signer with better credit to reassure potential lenders.

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