. >> reporter: don burke joined the club 18 months ago.im, the stories make all the difference. >> we'd like to bond with others, and this allows us to do this without sort of a middleman. >> reporter: one of his first loans truly tugd at the heart. >> a fellow ended up in a wheelchair and needed to make his home wheelchair accessible. >> reporter: something don knows he'll likely have to do in a few years. he has muscular dystrophy. both givers and receivers called this approach to banking a game changer and joe dimanty hopes to complete the circle. >> maybe one day i'll be an investor. >> leslie says this election process is detailed and you've got to have very good credit with a score of at least 660. tomorrow morning at 6:12 a.m. has more on how the borrowers are screened and get on to see how they'll decide before they invest in you. >>> all right. are you ready? >> are you prepared. >> you've been telling us a few days. >> got my oars ready. >> not exactly a surprise. tonight, overnight, we're looking at rain and thunderstorms, heavy