import .max files in to unity on the fly

Hello to all you nice people in the unity community!

I'm looking for a way to import .max files in to a scene as a games is running. prefabs will not do.

Basically I'm trying to write a script that will load any .max file, in a specific folder, in to a scene with out rebuilding the game/scene.

I want users to be able to drop there 3d models into this folder and for them to see it in the games, with out needing to open the editor.

is there a way to do this? I'm running unity 4.somthing (not pro)

Thanks for any and all help.