Investment Opportunities - Prosper
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Investment Opportunities in Consumer Loans

Investment Opportunities

In today's economic environment, investors are looking for ways to earn attractive returns without undue risk. Investors can now directly access a new market, by investing in consumer loans through Prosper.

On the list of investment opportunities, peer-to-peer lending at Prosper offers the opportunity to earn returns that may be higher than those available in savings accounts or money market funds. Prosper also offers greater control over your investment choices.

People-to-People investing: A new opportunity

People lending to people is an old concept: Prosper is a leap back to a time when people lent to other people, in small villages and towns, with no middle man—resulting in better interest rates for the borrowers and an ability for the lenders to earn a fair return on their money.

Big banks took over lending to people on a larger scale, removing the personal interaction and transparency. Now Prosper enables you, the everyday investor, to step onto the playing field. You can sort through individual listings and review borrower credit history details, and also use Quick Invest to set basic or detailed criteria in order to invest in many loans at once.

Prosper lenders choose how to invest their money

Prosper offers a range of investment opportunities by providing loans to borrowers with varying credit profiles. You can review loan listings online and select loans that match your desired risk and return criteria. We provide you with the tools and data you need to invest money wisely.

Prosper Notes can provide income while adding a new asset class to the investment opportunities available, enabling you to diversify your portfolio. You can further spread your risk by investing as little as $25 per borrower.

Prosper Notes are not FDIC insured, nor are they guaranteed. Borrowers may default on their loans, exposing lenders to credit risk. If a borrower fails to make payments, no payments will be made on the corresponding Prosper Notes.

Opportunity for everybody

As banks have cut back on lending, even borrowers with good credit are finding it difficult to get a loan. At the same time, investors are asking what they can do to help other Americans get the funding they need to meet their dreams. Prosper offers lenders an opportunity to earn fair returns, and borrowers a chance to get access to credit, by making people-to-people lending more accessible.

How Does Prosper Work?

Investors create an account, set their parameters, and purchase Prosper Notes. Each Prosper Note corresponds to a listing which sets forth the relevant details about the loan, including loan amount, Note rate, yield percentage, and borrower information. Any payment from a Prosper Note is dependent on the payments Prosper receives on the corresponding loan.

The Notes that correspond to specific borrower listings are offered by prospectus. Investors should read the complete description of the Notes and risks associated with making an investment in the Notes as well as other information about the Prosper model in the prospectus.

Prosper Notes are risk bearing and speculative investments for suitable investors only. If a borrower fails to make payments on the corresponding borrower loan related to your Prosper Note, you will not receive payments on your Note. There is the potential that you will not receive any payments on a Prosper Note. You should review the prospectus before investing through Prosper. Not FDIC-insured. Notes may lose value. No Prosper or bank guarantee.