One company determines if you are friends with someone who was late paying back a loan; if so, that is bad news for you. It is even worse news if the delinquent friend is someone you frequently interact with.
Reasonable but evil. I would not do business with this company.
Another company gathers information from the manner in which a customer fills out the online loan application. The chances of getting a loan improve if you spend time reading information about the loan on their website. Conversely, if you fill out the application typing in all-caps (or with no caps), you are knocked down a couple pegs in that company's eyes.
Reasonable and not evil. Understanding the terms of a loan typically means you're going to make at least a good faith effort to fulfill your obligations. I would probably do something like this myself.
A third lender requires that small business borrowers grant them access to the borrowers' PayPal, eBay and other online payment accounts (what could possibly go wrong with that?), thereby disclosing real-time sales and delivery information.
Unreasonable, evil, AND the potential to steal money from everyone who has applied for a loan! Is that you, Enron?