1. A method, comprising: establishing a relationship with a gateway that retrieves data from a remote location and divides the data into at least a first portion and a second portion; establishing an ad hoc network comprising at least one local lender; receiving the first portion from the gateway via the at least one local lender; receiving the second portion from the gateway; joining the first portion and the second portion to re-create the data; the gateway receiving lender information from a borrower, the lender information including: availability of each of a plurality of potential lenders, available bandwidth of each of the plurality of potential lenders, price of each of the plurality of potential lenders, and reliability of each of the plurality of potential lenders; the gateway determining, based on the lender information, one or more of the plurality of potential lenders to be used in the ad hoc network; and the gateway apportioning, based on the lender information, the data file amongst the one or more of the plurality of potential lenders to be used in the ad hoc network.