I'm with you in regards to the "scam" accusations. If you deal with them, treat it like an investment. It's entirely possible that they aren't scamming and just don't understand what's going to happen long-term with their business plan. Or it could be a pyramid scheme.
Offering that kind of interest rate isn't a business plan, it's just retarded. If you have such an awesome business making so much profit, that you can offer that kind of interest, why do you need to borrow money in the first place?
And if you do borrow money, why do you do it in the worst way possible? Post anonymously on a forum on the internet, offering insane interest rates, with an ad that looks exactly like a ponzi, with no excuse other than a "super secret" business plan?
Nothing about it makes sense at all if you look at it from the perspective of an investor, as you say you should. That's because it isn't one, it's a con.
As you said, it's either a terrible business plan, or a scam. Neither one of those is a good investment.
