There is not enough information here to answer this question. However, depending upon the type of lending you might arguably be selling securities as defined in Chapter 517 of the Florida Statutes - without the proper licenses you might find yourself in more trouble than you expected. You need to find a lawyer who specializes in this area of law for guidance.
This answer does not establish an attorney client relationship and is just my opinion based upon the limited facts presented.
As my colleague mentioned, more information is needed to respond to a question like this as there are several bodies of law which may be implicated by your business. I would consult an attorney to determine what licensing you may need and/or what liability you may be exposing yourself to before continuing operations.
The information contained in this answer is provided for informational purposes only, and should not be construed as legal advice on any subject matter, nor should it be viewed as establishing any kind of attorney client relationship.
You may want to turn to the Florida Statutes for some information.
Ones you might want to start with are §§494.001-494.0077, which can be found online at www.leg.state.fl.us/statutes/
This is for educational purposes. Most likely you are not going to comprehend the information in the statutes so do yourself a favor, hire an attorney to do this for you. An ounce of prevention, is worth a pound in gold. I think my grandfather taught me this one.
This information is for educational purposes only and is not to be relied upon as legal advice, legal opinion or as a complete answer/information to/for this discussion. You should always seek competent legal advice from a licensed attorney in your area for help with your specific legal question. No attorney - client relationship is created, intended or should be construed upon from this general discussion. For a free consultation, you may contact me at (305) 320-4LAW.