Looking for a $40,000 personal loan | Serious inquiries only

I know $40k is a very large amount to ask for from someone online, and I know this may sound ridiculous. But close mouths don’t get fed, so I figured it was worth asking.

I’m looking for a personal loan, not a business loan. I currently make approximately $3,600/month from my employment and approximately $150,000/year through my business. I’m happy to provide documentation to verify my income and situation.

My credit score is currently around 636 and slowly improving. The reason I’m looking outside of traditional lenders is that credit unions and other lenders have been difficult for me to work with because of credit history from years ago.

What I’m looking for is essentially an instant trade-off: I receive the $40k and repay it according to mutually agreed terms. I’m open to a large, structured repayment schedule over time, including interest, as long as the terms are reasonable and clearly agreed upon.
I’m willing to provide reasonable documentation, sign a formal agreement, verify income, and do whatever is necessary to make the arrangement legitimate and comfortable for both parties.

I understand that $40k is a significant amount, especially between strangers online. I’m not expecting anyone to blindly trust me. I’m simply looking for someone who is actually in a position to consider a larger private loan and is willing to have a serious conversation about it.
If you’re genuinely interested, please message me with your terms and what documentation you would need.
No upfront fees. Serious inquiries only. Thank you for reading.