And not every independent contractor has business or income......

I would not ask for this loan on this idea.  There are more holes in the legality of doing this then Swiss cheese. I like you claim good intentions, but it just is not legal.

Before getting a loan find a lawyer who deals with computer security bring your ideas to him.... and pay the fee.  This way since you do not have qualifications or certifications to help guide you to whats legal he can tell you which ideas are like this and will eventually get your LLC sued into oblivion.

I suggest closing topic, and loan.  Think of next LEGAL consulting idea, then come back to forums.

I am done helping at this point anyone who invests now has read my warnings about business model.   And this is from someone with those security qualifications and certifications...... they help.