Peer Lending Advisors manually underwrites every loan, which includes reviewing every borrower’s employer and ensuring they have a steady job. A basic guiding principle is that people with unsteady jobs (think minimum wage and high-churn jobs) have higher default rates, and people…
Blog Archives
Maximizing Online Lending Returns: It’s about avoiding losses
If you invested in the Dow 5 years ago, you’d have made about 32% on your money. Not bad. However, if you’d have managed to avoid the 5 biggest daily declines for the Dow, ranging from 4-8% losses in a single…
How to get started in Peer to Peer Lending?
Perhaps you’ve heard about the advantages of Peer-to-Peer Lending: The double-digit returns* The high credit quality of Prime borrowers with low risk of default* The diversification from the stock and bond markets The liquidity benefits of 3-year installment loans You…
Posted in Peer Lending
What is Lending Club?
Lending Club is a Peer-to-Peer Lending site, meaning it allows borrows to borrow money directly from lenders without a banking intermediary. Lending Club facilitates the entire transaction – but they only take a small fee and the borrow and lender…
Posted in Peer Lending
Invest in Lending Club
Looking to Invest in Lending Club or Prosper and want expert help and advice? Peer Lending Advisors is a full service investment advisory firm and can help you get started investing in Peer-to-Peer Loans and manage your portfolio. Peer Lending Advisors has…
Posted in Peer Lending
Is your portfolio recession-proof?
Chasing high returns (that come with high risk) is a common mistake that investors make when interest rates are artificially low. This was observed during the housing bubble, when many investors were steered to mortgage-backed securities and subprime credit products,…
Posted in Peer Lending
What Community Banks signing on with Lending Club means the future of P2P lending and banking in general
On Thursday, Lending Club announced that two community banks, Titan Bank and Congressional Bank, had signed on with Lending Club for two types of transactions: The banks will buy loans through Lending Club The banks will offer personal loans to…
Posted in Banking, Peer Lending
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
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