This isn’t a charity and there is real money at stake. For January 2012 I have done a dozen loans, have one bad and another was “impaired” for a while before being paid back.  There are two others due in February that I've flagged as higher risk, that’s why the interest rates are high.

Lending and Seeking a Loan
I decide if you’re a good credit risk or not.  I may seek a credit check with other regular lenders, and I will use whatever other subjective measures I want.
It would be useful to know what you want the funds for.  Leveraging bitcoin, gambling (chance) or ponzis are not a good idea.  Mining rigs, bridging finance and the like are much more likely.
Short term or small loans have higher costs to set up and look after, so don’t expect to get things too cheap at the moment.
Having evidence of ability to repay when (not if) things go wrong is an advantage.
 
Loan Types:
Less than 10 coins and less than 7 days – 5% of funds.
More than 10 coins and less than 7 days – 0.7%/day.
Over seven days, up to one month, 10% to 15% monthly – rate will be confirmed in offer.
Larger loans (100 coins plus) may be syndicated, and I would start to want some evidence of collateral.
Inter-bank – you know who you are.

Repayment – each loan will have a specific address advised upon confirmation of terms by the borrower.
Late Repayments/defaults – when you get into trouble, contact me at earliest. (it has been suggested to me this should be 1%/day)

Deposits
Currently fixed term deposits paying 1% per week.  To maintain adequate reserves, I may limit deposits, and you’ll need to contact me ahead of time before sending your coins.
Terms in weekly or monthly duration and in 10 BTC blocks to cut down on admin.

Other
I have a life, and am not here 24 hours per day.  It might take time for me to respond.

IBB – I like what IBB is doing and have both donated to IBB and purchased a couple of shares.  Similar to Banco de Kludge I will match his pledge - at least 3% of loan profits will be donated to senbonzakura to help fund the IBB.

To provide a little more info on the lending scene
January activity
 - 4 loans repaid  (approx 320BTC)
 - 11 loans current (five 100BTC or over, five under 100BTC)
 - 1 bad
 - 1 inter-bank loan (repaid)