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It would make the game easier if other colonies could loan smaller colonies money. They would have to pay a flat fee plus the amount of money borrowed. The building used to offer loans would be the investment bank.

once you got a investment bank, you don't need to worry about money :D but good idea for early game. Using the Consulate for this would be better in my opinion

The investment banks loan the money but in order to receive a loan you need a regular bank.

Humm sounds neat thing is money is the fast part of the game .
From new in two hours 50 k - to 50 million( no banks just selling small amounts of steel on mass driver .
At 3 days old billions selling on space elevator . Just steel and cloth it is that easy .
at 5 days old Star gate and trillions or what ever amount you want by that time you can be bring in 100 k al a hour 3000 arts and what every else you want .
So a few million coins the banks bring in don't make much difference one way or the other .
If you are jsut new of dont build huge colony's then even the mint will give you enough coins

Maybe something like this for trade. So you can offer loans of say 1000 ore for 1000 ore with interest accruing at the same rate as the leading colony or united earth demands taxes. The the building for this type of trade is cheaper, and it's a way for people to get a leg up at a possibly reasonable price if they run out of aluminum and don't have the money for it. Obviously it might be simplest that a resource must be paid back. For this there will definitely need to be protections against a person simply creating a colony taking up several loans, sending it to a parent colony they own, and then deleting the colony.
As far as what the person could put on the market, I'm thinking what they are lending, possibly what form they want in return and the interest rate. A young colony could get 10000 ore to be repaid in kind at 5% interest rate, I doubt compounding should be added as that just makes things a little grim.