Marketplace lender DirectMoney has established a referral agreement with MyState and will refer excess loan applications to the bank.Last month DirectMoney announced that it was referring loans because of a funding shortfall.The agreement with MyState is non-exclusive for both parties and allows DirectMoney to offer its direct channel applicants (it also has a broker channel) an alternative financing option.DirectMoney sells unsecured personal loans of up to A$35,000 for terms of three and five years.Current funding sources include Macquarie Bank, which purchased $5 million of DirectMoney loans earlier this year, and the DirectMoney Personal Loan Fund, which was re-launched last month after being off the market since October.The company is working on establishing relationships with institutional investors but has not made progress in that direction so far.