With the acute cash crunch in the domestic as well as in the local markets, money lending business could be off a handy business starting/expanding option to think of. But the model would be little bit different one as the lending process would involve towards the business process only and not meant for personal loans kind of thing. The commercial banks are at this moment so reluctant to stretch their arms that local lenders remains one of the prime viable option for the small business expansion. All you need to get a license of money lending and of course interest ceiling is there. Do business legally, pay your tax properly and you could gain a handsome return iff the recovery procedure is settled smartly.