Well, to tell you the truth it is very possible to see in the future lending programs popping up even in the so called serious business platforms ICO campaigns. Anyway we already witness an avalanche of these programs and I think many of them will be a success. This one UcoinCash stands out with impeccable design and is way ahead of other platforms in their attitude, they are humble, they do not announce a rise in price, they have a low supply of coins and a policy for everyone to buy, they do not prefer whales and big money but decentralized commissioners all of which is in the spirit of cryptocurrency community. When you login to their ICO you will see their plan. Yes, it may be a very elaborated sophisticated scam scheme but they really invested a lot of work in it and they play it out very intelligently. We will see how it goes with their ICO in a few days. If it goes well then I was probably right. But nothing is certain for too long in cryptoworld, is it?
BTW I have mentioned ethconnect as one of the programs but I understand you missed it since it was not on the beginning of the list. Wish you all the best, friend :)

PS I am definitely not paid or endorsed by UcoinCash I just prefer their development before their ICO over others so far ;)