It will never be 0 fees, but it should be as low as someone's perception of risk/reward. Or maybe other factors, I can think of "I lend you with 0 interest but you market my name" or something like, I lend you money with no fee if those money improve the area where I live, or if you give me back services or other things that can be more valuable then some more money.

What about upgrading the best open-source one you can find on github