A method includes establishing an ad-hoc network between a borrower and at least two lenders of bandwidth and establishing one lender of the at least two lenders as a multiplexer to manage data flow over the ad-hoc network between the borrower and lenders of the at least two lenders of bandwidth. The method may include providing a computer infrastructure to perform the steps of the invention. A system is also provided which includes a server having a database containing data associated with one or more lenders and a borrower in an ad-hoc network and at least one hardware and/or software component. The system may further include computer usable medium having readable program code embodied in the medium to perform processes of the invention.