Graet.Loan and even Ukyo.Loan which pays 50% more than XBOND
They're both on BitFunder which I would rather avoid (which is understatement - I can't login into WeExchange), they don't offer perks besides interest.
There's also the issue of trusting the issuers.
Both of those haven't sold out their IPO yet so I don't understand why there is such a demand for XBOND.
This statement alone makes me avoid them, why should I invest in something that has such weak interest in it that it can't even sell out the IPO?
I'm not sure -- I had many of these same issues but I've overcome them. If you're having trouble with weexchange and bitfunder, you should probably go to IRC for help. You probably don't know this because I never see you there, but that is how you are supposed to ask for help on BitFunder. They even have an irc client on their webpage in the "help" section.
Also, if you would rather not do so personally you can get exposure to the dozen or so companies not on BTC-TC through a fund. I run one (BMF) for example and we hold a lot of Ukyo.Loan.