Monthly Archives: May 2013

Peer-to-Peer Lending Advantage: Geographical Targeting (or avoidance)

Back when I worked for a large bank, I was part of a project to re-create our credit models to remove one variable that was deemed too risky to use anymore. In other words, I was making a new investingĀ algorithmĀ to

Posted in Computer Algorithm

5 takeaways from Google’s $125M investment in Lending Club

Google made waves today when they announced a $125 M investment round in Lending Club, valuing the company at $1.5 B. What does this mean for Peer-to-Peer Lending? 1. Peer-to-Peer Lending has tremendous potential Less than a year ago Lending

Posted in Peer Lending

Misspellings in loan descriptions: Would you invest in these people?

Other providers that offer managed investing in Peer-to-Peer Lending talk about their statistical models, but gloss over an advantage of Peer-to-Peer Lending that they’re not taking advantage of: rich, written descriptions of how the borrower will use the money. If

Posted in Human Underwriting

Why Peer Lending?

Peer-to-Peer Lending is an exciting consumer lending opportunity. While the credit card democratized credit for the masses, Peer-to-Peer Lending has broken down the banker’s door. For consumers, it has cut out the middle-man, lowering interest rates and increasing access to

Posted in Peer Lending
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