finance loans to p2p lender & crowdsourcing websites using a proxy-like "electoral" process to filter recipients

i am interested in petitioning the good will of the government in order to establish an investment mechanism that elects middle-class lender intermediaries that can distribute credit among p2p lending and crowd-sourcing mechanisms that bypass the traditional capital vs. labor income stream of mainstream corporate finance. the profit margin of the difference between the two interest rates, one for the middle-class intermediary owing the government and another for these intermediaries to choose and invest in p2p lending clients or crowdsourcing, most efficiently by creating a prophylactic sub-class of intermediary middle-class lenders that can elect by proxy vote a target of such accredited funds.