Having seen FDs balance sheet I endorse Saamee's view and believe that FD are there to add liquidity if required and rarely take positions themselves.

The issue I believe, is the sheer number of investors against the lack of loans. Investors in the thousands and loans between 0 to 5 daily (until lately usually 1 or 2). It appears this has been identified and a potential solution actioned.

On the other hand, I'm not keen on the prospect of lumping up an extra 15% of commission. Its a pity that loan availability could not be increased without having to accommodate third parties and their finders fee's.