Looking for a long term investment?

So I just heard Niel Connan (sp.?) on PRI's "Talk of the Nation" talking to the ceo of this site. It looks very intriquing. It is fairly new, and they aren't profitable, but they have a really good business model going here. Next time I come up with some money to invest, I might just look into getting a >10% return with a 1-2% default rate. Those seem like reasonable odds to me.