Institutional Relations
Prosper is America's first Peer-to-Peer lending platform.
We welcome institutional lenders into the Prosper community.
Prosper's technology platform provides an exciting opportunity for asset managers, hedge funds, family offices and other institutions interested in earning a great return through peer-to-peer lending.
To request more information about Prosper, please contact us.
Peer-to-Peer Lending: An Alternative Asset Class
As credit markets experience unprecedented changes, institutional lenders can use Prosper to diversify portfolio returns without the complexity and fees associated with structured products.
Our commitment to data transparency gives registered lenders the ability to create powerful models and algorithmic trading tools. A peer-to-peer loan portfolio is not correlated to stock or bond returns. In turbulent markets, portfolio diversification is crucial for prudent portfolio management.
Entering the Peer-to-Peer Marketplace is Positioning for Growth
Consumer credit is a $2.5 trillion dollar industry. As peer-to peer lending continues to gain market share, firms who understand the peer-to-peer market will capitalize on future growth.
Data Transparency & Technology
Prosper provides unbiased access to our borrower's credit data. This revolutionary transparency with consumer lending enables lenders to quantify and calculate an appropriate risk-adjusted return based on historical loan repayment performance on Prosper loans. Institutions can connect electronically with our API interface to analyze listing data and apply program trading modules. Third party developments in enterprise software help large institutions manage a peer-to-peer portfolio.
Prosper was built to provide borrowers and lenders with complete data transparency. Registered lenders have access to many levels of consumer credit data, including:
- Credit Grade based on Experian Scorex PLUSSM
|
- Bankcard Utilization rate
|
|
|
|
- Length of employment status
|
|
|
|
|
|
|
The data allow a fundamental understanding of a loan portfolio's underlying credit components.
In addition, lenders have the opportunity to ask borrowers direct questions regarding their loan listing. Many lenders base their bidding decisions on a borrower's response. This innovative feature augments credit data files and creates another qualitative screening mechanism.
To request more information, please click here.
