I'd like to make a suggestion.
There probably are some people, who prefer to lend their coins on btcjam and remain anonymous at the same time. (I am one of those.) However, current rating system does not allow such people to rate other users, as the credit rating stays 0/17, while 3/17 is required to rate other people (correct me if I am wrong). Would it not make
sense to (also) give the priviledge to rate based on some combination of bitcoins invested and reputation?
You can launder your coins through a mixing service such as
https://blockchain.info/wallet/send-anonymously. This way, you can have a legitimate identity that is gaining loans, but its association with your business activities or whatever is hidden. I offered a suggestion in the feedback area of the site to integrate a anonymizing mixing service for a couple % fee. However, you can do this on your own and it is not necessary to integrate. Then, you can have a full ID and rep tied to you, but you still aren't tied to the business and in explaining the loan you can be intentionally ambiguous.
Just an idea