Listing Report:Supplement No. 42 dated Feb 28, 2013 to Prospectus dated Feb 04, 2013
File pursuant to Rule 424(b)(3)
Registration Statement Nos. 333-179941 and 333-179941-01
Prosper Funding LLC
Borrower Payment Dependent Notes

Prosper Marketplace, Inc.
PMI Management Rights
This Listing Report supplements the prospectus dated Feb 04, 2013 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") Prosper Funding LLC is currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Feb 04, 2013 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes. As described in the prospectus dated Feb 04, 2013, each Note will come attached with a PMI Management Right issued by Prosper Marketplace, Inc.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series 699910
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $4,550 Estimated loss*: 7.49%  
Term: 36 months  
 
Lender yield: 18.39% Borrower rate/APR: 19.39% / 23.12% Monthly payment: $239.55
 
Lender servicing fee: 1.00% Effective Yield*: 17.14%  
Estimated return*: 9.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Oct-1997 Debt/Income ratio: 39%
Credit score: 720-739 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:21y 11m
Amount delinquent: $0 Total credit lines: 18 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,505Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 95%  
   Homeownership: No  
Screen name: dollar-ectasy8 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to... To pay off existing credit cards.

My financial situation:
I am a good candidate for this loan because... I have a secure job and I pay my bills on time.


Monthly net income: $1582.61
Monthly expenses: $872.00
Housing: $259.00
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 704536
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.75%  
Term: 60 months  
 
Lender yield: 26.36% Borrower rate/APR: 27.36% / 30.00% Monthly payment: $307.51
 
Lender servicing fee: 1.00% Effective Yield*: 24.10%  
Estimated return*: 12.35%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Nov-1993 Debt/Income ratio: 27%
Credit score: 700-719 (Feb-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 26 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,848Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: Yes  
Screen name: listing-triumph3 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: debt consolidation and home improvement
This loan will be used to...
payoff two credit cards and use remaining balance towards new roof
My financial situation:
I am a good candidate for this loan because...


Monthly net income: $3450
Monthly expenses: $2300 total for below
Housing: $830.00 including taxes and insurance
Insurance: $80 car and motorcycle
Car expenses: $192
Utilities:185 including elect, gas, water
Phone, cable, internet: $160
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $310
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 710608
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 13.75%  
Term: 60 months  
 
Lender yield: 28.69% Borrower rate/APR: 29.69% / 32.39% Monthly payment: $128.65
 
Lender servicing fee: 1.00% Effective Yield*: 26.12%  
Estimated return*: 12.37%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Dec-1989 Debt/Income ratio: 22%
Credit score: 680-699 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 8 / 9Length of status:2y 10m
Amount delinquent: $211 Total credit lines: 27 Occupation: Car Dealer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,810Stated income:$50,000-$74,999
Delinquencies in last 7y: 2 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: well-rounded-durability271 Borrower's state: Minnesota Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
purchase a car
Purpose of loan:
This loan will be used to.buy a car for my son

My financial situation:
I am a good candidate for this loan because...i make a steady income and my son also has a job so I am trying to teach him some responsibility. He will be making part (if not all) of the payments. It's his first car.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 716058
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $482.18
 
Lender servicing fee: 1.00% Effective Yield*: 8.49%  
Estimated return*: 6.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Dec-1994 Debt/Income ratio: 24%
Credit score: 740-759 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:14y 11m
Amount delinquent: $0 Total credit lines: 34 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,573Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 54%  
   Homeownership: No  
Screen name: repayment-xylophone4 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan: To help me pay off credit cards faster
This loan will be used to...Pay off high interest rates credit cards

My financial situation: is good but credit cards are killing me in interest
I am a good candidate for this loan because...I pay my bills on time every month
is this a fixed or variable rate loan
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 719948
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 10.75%  
Term: 36 months  
 
Lender yield: 23.19% Borrower rate/APR: 24.19% / 28.03% Monthly payment: $589.99
 
Lender servicing fee: 1.00% Effective Yield*: 21.26%  
Estimated return*: 10.51%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-1989 Debt/Income ratio: 18%
Credit score: 740-759 (Feb-2013) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 3 Current / open credit lines: 7 / 4Length of status:17y 5m
Amount delinquent: $5,446 Total credit lines: 27 Occupation: Teacher
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $30,063Stated income:$75,000-$99,999
Delinquencies in last 7y: 26 Bankcard utilization: 22%  
   Homeownership: No  
Screen name: wampum-delight8 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate debt that I have accrued and want to streamline my life. Thank you in advance!

My financial situation:
I am a good candidate for this loan because I have held a solid teaching position for almost eighteen years in the same school district. I am trustworthy, credible and able to repay this loan.


Monthly net income: $ 3700.00
Monthly expenses: $2300.00
Housing: $0.00 (our house at 470 Madison, Grosse Pointe Farms, MI is paid off)
Insurance: $0.00
Car expenses: $0.00 (my car and my husbands are both paid off)
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 719978
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $16,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $11,200 Estimated loss*: 6.24%  
Term: 60 months  
 
Lender yield: 17.74% Borrower rate/APR: 18.74% / 21.16% Monthly payment: $412.76
 
Lender servicing fee: 1.00% Effective Yield*: 16.68%  
Estimated return*: 10.44%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Mar-1997 Debt/Income ratio: 24%
Credit score: 740-759 (Feb-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:7y 1m
Amount delinquent: $0 Total credit lines: 20 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,838Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: No  
Screen name: friendly-treasure1 Borrower's state: Alabama Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720086
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.74%  
Term: 60 months  
 
Lender yield: 16.69% Borrower rate/APR: 17.69% / 20.08% Monthly payment: $378.38
 
Lender servicing fee: 1.00% Effective Yield*: 15.75%  
Estimated return*: 10.01%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Oct-1985 Debt/Income ratio: 13%
Credit score: 720-739 (Feb-2013) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 7Length of status:5y 3m
Amount delinquent: $0 Total credit lines: 37 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $17,907Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: newest-durability-ectasy Borrower's state: Kansas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 3 On-time: 33 ( 100% ) 720-739 (Latest)
Principal borrowed: $33,000.00< 31 days late: 0 ( 0% )  
760-779 (Sep-2012)
800-819 (Aug-2011)
720-739 (Jul-2010)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 33  
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
Pay off credit cards.
My financial situation:
I am a good candidate for this loan because...I have the income to repay the loan.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720118
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 2.24%  
Term: 60 months  
 
Lender yield: 8.49% Borrower rate/APR: 9.49% / 11.70% Monthly payment: $524.92
 
Lender servicing fee: 1.00% Effective Yield*: 8.27%  
Estimated return*: 6.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Mar-1993 Debt/Income ratio: 23%
Credit score: 720-739 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 11Length of status:3y 5m
Amount delinquent: $0 Total credit lines: 30 Occupation: Clerical
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,597Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: No  
Screen name: FunnyTheWayItIs Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 20 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
680-699 (Nov-2009)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 20  
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate my student loans and two credit cards

My financial situation:
I am a good candidate for this loan because I have a stable job and have never been late on any payments. I just want to have one payment for all of my bills.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720170
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 3.99%  
Term: 60 months  
 
Lender yield: 12.34% Borrower rate/APR: 13.34% / 15.63% Monthly payment: $229.28
 
Lender servicing fee: 1.00% Effective Yield*: 11.81%  
Estimated return*: 7.82%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: May-1999 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 820-839 (Feb-2013) Inquiries last 6m: 2Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:5y 1m
Amount delinquent: $0 Total credit lines: 28 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,566Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 9%  
   Homeownership: Yes  
Screen name: immaculate-investment8 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 19 ( 100% ) 820-839 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
640-659 (Mar-2010)
640-659 (Feb-2010)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 19  
Description
Business
Purpose of loan:
This loan will be mainly used for marketing purposes. I
am the COO and Co-Owner of my company. We built a software/product
using open systems which delivers business solutions at comparatively
less cost when compared to ANY licensed product in the market. I am the
architect and designer of all my product and solutions.

My financial situation:
I am a good candidate for this loan because...
My business is 6 years old. We are two partners live here in USA and 20
people working in India as well. Here is our high level financial
status/review

1st year - $0 (because we invested our money, time and efforts to build
our product)
2nd year - $100K (launched our product in an entry level)
3rd year - $350K (launched our product with different clients)
4th year - $600K (continued with same clients and got new client as
well)
5th year - $750K (same client but different divisions launched our
product)
6th year - Current year...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720230
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 4.49%  
Term: 60 months  
 
Lender yield: 13.74% Borrower rate/APR: 14.74% / 17.06% Monthly payment: $189.23
 
Lender servicing fee: 1.00% Effective Yield*: 13.10%  
Estimated return*: 8.61%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: May-1994 Debt/Income ratio: 32%
Credit score: 740-759 (Feb-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 9Length of status:8y 0m
Amount delinquent: $0 Total credit lines: 40 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,855Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 32%  
   Homeownership: Yes  
Screen name: lovely-duty7 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 46 ( 100% ) 740-759 (Latest)
Principal borrowed: $7,000.00< 31 days late: 0 ( 0% )  
720-739 (Oct-2011)
700-719 (Jul-2010)
 
Principal balance: $2,493.78 31+ days late: 0 ( 0% )
Total payments billed: 46  
Description
Debt consolidation
Purpose of loan:
This loan will be used to pay off my smaller higher rate bills and give me some breathing room.
My financial situation:
I am a good candidate for this loan because I have been in a professional jobs with the same Unversity for 20 years.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720254
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,800.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $5,460 Estimated loss*: 5.49%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 19.65% Monthly payment: $274.19
 
Lender servicing fee: 1.00% Effective Yield*: 14.17%  
Estimated return*: 8.68%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-1995 Debt/Income ratio: 14%
Credit score: 660-679 (Feb-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 7Length of status:13y 11m
Amount delinquent: $0 Total credit lines: 30 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,158Stated income:$50,000-$74,999
Delinquencies in last 7y: 43 Bankcard utilization: 12%  
   Homeownership: Yes  
Screen name: lolaone Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 38 ( 95% ) 660-679 (Latest)
Principal borrowed: $5,000.00< 31 days late: 2 ( 5% )  
720-739 (May-2012)
640-659 (Apr-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 40  
Description
Wedding Loans
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...i have had 2 prosper loans and paid them both off in a timely manner.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720736
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $17,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $11,900 Estimated loss*: 5.74%  
Term: 36 months  
 
Lender yield: 15.39% Borrower rate/APR: 16.39% / 20.05% Monthly payment: $600.95
 
Lender servicing fee: 1.00% Effective Yield*: 14.52%  
Estimated return*: 8.78%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-2000 Debt/Income ratio: 22%
Credit score: 740-759 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 23 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $44,938Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 81%  
   Homeownership: Yes  
Screen name: the-progressive-social Borrower's state: Colorado Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to... consolidate debt

My financial situation:
I am a good candidate for this loan because...
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720880
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 2.49%  
Term: 36 months  
 
Lender yield: 8.74% Borrower rate/APR: 9.74% / 12.53% Monthly payment: $482.18
 
Lender servicing fee: 1.00% Effective Yield*: 8.49%  
Estimated return*: 6.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Mar-2002 Debt/Income ratio: 21%
Credit score: 780-799 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:6y 1m
Amount delinquent: $0 Total credit lines: 26 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,195Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 7%  
   Homeownership: No  
Screen name: dignified-capital Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
Purpose of loan:
This loan will be used to consolidate higher-interest debt.

My financial situation:
I am a good candidate for this loan because I have maintained a spotless credit record and have serviced all previous debt obligations in full.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720898
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 4.49%  
Term: 36 months  
 
Lender yield: 13.14% Borrower rate/APR: 14.14% / 17.75% Monthly payment: $102.74
 
Lender servicing fee: 1.00% Effective Yield*: 12.52%  
Estimated return*: 8.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Jan-1993 Debt/Income ratio: 8%
Credit score: 780-799 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 5 / 5Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 29 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $5,223Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: fund-champ785 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Motorcycle
Purpose of loan: Buying a late model used motorcycle that is currently underpriced.
This loan will be used to...pay for most of it. I am putting cash on it also.

My financial situation: Good
I am a good candidate for this loan because...I have a good career with stable income.


Monthly net income: $12094.50
Monthly expenses: $4000
Housing: $2200
Insurance: $200
Car expenses: $730
Utilities: $300
Phone, cable, internet: $150
Food, entertainment: $300
Clothing, household expenses: $
Credit cards and other loans: $80
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720906
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $6,300 Estimated loss*: 11.75%  
Term: 36 months  
 
Lender yield: 24.66% Borrower rate/APR: 25.66% / 29.54% Monthly payment: $360.99
 
Lender servicing fee: 1.00% Effective Yield*: 22.54%  
Estimated return*: 10.79%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: May-2004 Debt/Income ratio: 47%
Credit score: 680-699 (Feb-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:0y 8m
Amount delinquent: $0 Total credit lines: 13 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,656Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 62%  
   Homeownership: No  
Screen name: agreement-holly270 Borrower's state: Nevada Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...
Pay off credit
My financial situation:
I am a good candidate for this loan because...
I'm a union member and my daughter has own bussines we can help together to pay off this loan
Monthly net income: $2600
Monthly expenses: $2000
Housing: $0
Insurance: $100
Car expenses: $460
Utilities: $0
Phone, cable, internet: $150
Food, entertainment: $100
Clothing, household expenses: $100
Credit cards and other loans: $7000
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 721066
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 11.25%  
Term: 36 months  
 
Lender yield: 23.92% Borrower rate/APR: 24.92% / 28.78% Monthly payment: $158.87
 
Lender servicing fee: 1.00% Effective Yield*: 21.90%  
Estimated return*: 10.65%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Mar-2001 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 700-719 (Feb-2013) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:7y 4m
Amount delinquent: $0 Total credit lines: 20 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $11,693Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 39%  
   Homeownership: No  
Screen name: credit-doctor53 Borrower's state: Michigan Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 721080
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 8.74%  
Term: 12 months  
 
Lender yield: 15.56% Borrower rate/APR: 16.56% / 24.37% Monthly payment: $864.46
 
Lender servicing fee: 1.00% Effective Yield*: 14.38%  
Estimated return*: 5.64%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Nov-2009 Debt/Income ratio: 33%
Credit score: 660-679 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 8Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 16 Occupation: Attorney
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,811Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 57%  
   Homeownership: No  
Screen name: truth-enrichment5 Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan:
This loan will be used for working capital.

My financial situation:
I am a good candidate for this loan because I have substantial and steady income and good credit.


Monthly net income: $10000
Monthly expenses: $7500
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 716545
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 4.74%  
Term: 60 months  
 
Lender yield: 14.19% Borrower rate/APR: 15.19% / 17.52% Monthly payment: $358.35
 
Lender servicing fee: 1.00% Effective Yield*: 13.50%  
Estimated return*: 8.76%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1989 Debt/Income ratio: 34%
Credit score: 720-739 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 27 / 27Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 45 Occupation: Retail Management
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $31,005Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 41%  
   Homeownership: Yes  
Screen name: p2ploan-juniper2 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...Pay off high interest debt.

My financial situation:
I am a good candidate for this loan because...I have worked continuously for the past 18 years. No late payments on credit history. I have been paying on high interest credit cards for quite some time . This payment will be approximately $100 less and I will have that portion of my debt paid off in 5 years vesus at least twicw that with the current rate.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 718047
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 8.49%  
Term: 60 months  
 
Lender yield: 21.59% Borrower rate/APR: 22.59% / 25.10% Monthly payment: $195.69
 
Lender servicing fee: 1.00% Effective Yield*: 20.01%  
Estimated return*: 11.52%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-1998 Debt/Income ratio: 26%
Credit score: 700-719 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:8y 4m
Amount delinquent: $0 Total credit lines: 12 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,885Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 60%  
   Homeownership: Yes  
Screen name: loyalty-accomplishment4 Borrower's state: Massachusetts Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Coworking Startup Loan
Purpose of loan:
This loan will be used to help fund a start-up coworking space in Amesbury, MA. Coworking is a new paradigm on the business incubator. A coworking space is usually an open office with several desks and work areas consisting of couches and tables. Members pay a monthly fee to either rent a desk, or access the work area. Wifi and healthy snacks are provided. Additionally, the space will be used as a computer training center and conference space.

Coworking spaces have been common in major cities like Seattle, San Francisco, and Boston since 2006, and have begun to pop up in smaller cities such Austin, Tx, Athens, Ga, and Tracey, Ca.

A coworking space will work well in Amesbury Ma, due to the town's culture of coworking spaces. Currently, Amesbury boasts several shared artist studios and the state's first shared commercial kitchen.

My qualifications:
I am a good candidate for this loan because I have an excellent background in computer training, a degree in public relations, and I'm plugged in to the local social media scene. I'm committed to creating an environment where entrepreneurs, home based workers, programers, coders, or even the occasional student can gather to be productive, collaborate, and get things done.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 718721
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 1.74%  
Term: 60 months  
 
Lender yield: 7.19% Borrower rate/APR: 8.19% / 10.37% Monthly payment: $509.19
 
Lender servicing fee: 1.00% Effective Yield*: 7.04%  
Estimated return*: 5.30%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Feb-1986 Debt/Income ratio: 12%
Credit score: 720-739 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 8Length of status:29y 1m
Amount delinquent: $0 Total credit lines: 35 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $10,254Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 74%  
   Homeownership: No  
Screen name: value-revolutionary4 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...pay off school loan, best buy , jc penney, gas company loan, allegro acceptance for a piano, bank of american platinum plus visa, pep boys , macy, orchard bank

My financial situation:
I am a good candidate for this loan because... work history make enough money and this would be much easier to pay one bill instead of many can pay extra also I can manage my money much better by paying on one loan.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 719309
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 8.24%  
Term: 12 months  
 
Lender yield: 14.92% Borrower rate/APR: 15.92% / 23.72% Monthly payment: $453.47
 
Lender servicing fee: 1.00% Effective Yield*: 13.83%  
Estimated return*: 5.59%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jul-2004 Debt/Income ratio: 16%
Credit score: 640-659 (Feb-2013) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:0y 0m
Amount delinquent: $0 Total credit lines: 45 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $2,619Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: CharleStephen Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Pay Off Higher Interest Bills
I have been living in NYC for the past two and a half years on leave from the University of Chicago while writing my BA thesis. During this time, I've been working full-time for the same company and just switched jobs?I also just finished my BA thesis (hooray!). My new job pays $25K more per year and offers much better opportunities for growth.

Purpose of loan:
This loan will be used to pay off higher interest debt that I've accumulated while working and going to school.

My financial situation:
I am a good candidate for this loan because I have worked for the past two and a half years full-time at a financial firm and I just got a new job that pays significantly more in the same industry. I try very hard to pay every thing on time and while I do not have perfect credit, I make $85,000 per year plus 30% bonus at my normal job as well as about $12?15K per year from other side projects. I've mostly been using all of my money to pay down student loans (I want to pay them off before I go to law school in 2015) and haven't saved anything other than my 401K?the liquidation of which incurs significant penalties. I'd rather borrow the money than take it from that account.

Monthly net income: $5000 from normal job with another $1,000 from side projects
Monthly expenses: $2500
Housing: $700
Insurance: $57
Car expenses: $0
Utilities, phone, cable, internet: $300
Food, entertainment: $500
Clothing, household expenses: $100
Credit cards and other loans: $500
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 719399
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 2.99%  
Term: 12 months  
 
Lender yield: 7.39% Borrower rate/APR: 8.39% / 12.12% Monthly payment: $871.69
 
Lender servicing fee: 1.00% Effective Yield*: 7.13%  
Estimated return*: 4.14%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Oct-1979 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 720-739 (Feb-2013) Inquiries last 6m: 1Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 18 / 18Length of status:17y 3m
Amount delinquent: $0 Total credit lines: 43 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $78,579Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 72%  
   Homeownership: Yes  
Screen name: yumyumman Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 35 ( 100% ) 720-739 (Latest)
Principal borrowed: $5,000.00< 31 days late: 0 ( 0% )  
820-839 (Jun-2008)
 
Principal balance: $0.01 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
Additional inventory purchase
Our company intends to use the funds to acquire additional inventory for our auto parts business. We have done this before and should be able to turn over the inventory in 8-12 months. We have sales channels on ebay, amazon, and on our own web site which we promote with adwords.

We have taken out a prior prosper loan about 5 years ago which was paid off promptly. In addition to our internet sales we have a regional (mobile) auto accessories repair business which has been successful since 1995. We are only seeking a 12 month loan to keep costs down.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 719603
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 4.74%  
Term: 12 months  
 
Lender yield: 10.09% Borrower rate/APR: 11.09% / 16.80% Monthly payment: $884.24
 
Lender servicing fee: 1.00% Effective Yield*: 9.58%  
Estimated return*: 4.84%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1984 Debt/Income ratio: 22%
Credit score: 740-759 (Feb-2013) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 20 / 18Length of status:8y 0m
Amount delinquent: $6,386 Total credit lines: 50 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $122,545Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 7%  
   Homeownership: Yes  
Screen name: momentous-point413 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 6 ( 100% ) 740-759 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
760-779 (Aug-2012)
 
Principal balance: $8,652.25 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Taxes
Purpose of loan:
To help pay our 2012 tax debt and our property tax bill.

My financial situation:
I am a good candidate for this loan because I don't carry credit card debit, I have continous cash flow. We would like to preserve our savings which is approx 2 months of living expenses. I'd prefer not to drain the savings to pay the taxes.


Monthly net income: $12,000
Monthly expenses: $11,000
Housing: $4,000 (mortage & 2nd)
Insurance: $1,000 (house, car, life)
Car expenses: $1,000 (gas)
Utilities: $700
Phone, cable, internet: $300
Food, entertainment: $1,000
Clothing, household expenses: $1,000
Credit cards and other loans: $1,000
Other expenses: $1,000 (school & after school activities)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 719779
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.49%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 19.65% Monthly payment: $527.28
 
Lender servicing fee: 1.00% Effective Yield*: 14.17%  
Estimated return*: 8.68%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Apr-1999 Debt/Income ratio: 22%
Credit score: 700-719 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 11Length of status:15y 1m
Amount delinquent: $0 Total credit lines: 33 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $26,990Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 67%  
   Homeownership: Yes  
Screen name: first-payout-fighter Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...debt consolidation because my son will go to college on 2 more years.

My financial situation: is good
I am a good candidate for this loan because...I like pay all my accounts at time.


Monthly net income: $3200
Monthly expenses: $1500
Housing: $992
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 719871
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $14,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $9,800 Estimated loss*: 1.24%  
Term: 36 months  
 
Lender yield: 5.99% Borrower rate/APR: 6.99% / 8.33% Monthly payment: $432.22
 
Lender servicing fee: 1.00% Effective Yield*: 5.90%  
Estimated return*: 4.66%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Feb-1994 Debt/Income ratio: 36%
Credit score: 780-799 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:12y 3m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,266Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 26%  
   Homeownership: Yes  
Screen name: best-platinum-apricot Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 780-799 (Latest)
Principal borrowed: $12,000.00< 31 days late: 0 ( 0% )  
780-799 (Jun-2012)
760-779 (Apr-2011)
 
Principal balance: $9,718.06 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Getting the drop on debt
I?m 38 and am pursuing a career as a Purchaser (the last 12yrs with the same corporation). I would like to reduce my high-interest credit card debt and prefer a fixed-rate loan via an alternative funding community.

I currently earn $65K/yr. I have no dependents and no car payment. My credit score is 795. I contribute 8% out of each paycheck into a 401K to maximize my company?s matching amount.

My total credit card debt is $18K while my total credit limit is at $70K. Last year, I obtained a $12,000 loan from Prosper.com to reduce debt. I pay $400+/mth towards my credit cards (well above the minimum) and $400 to Prosper.com. The outstanding principal for my mortgage is only $85K. My mortgage payment + HOA fees cost me $850/mth.

Currently, I?m enrolled in a MBA course (Western Governor?s University at $7,000/year), financed by student loans.

My debt piled up by only paying the minimum amount during my younger years, while at the same time not budgeting my monthly expenses. I traveled a lot and saw the world and made it back to college.

With budgeting I am able to live within my means now. This loan will be another important step towards fiscal responsibility.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 719885
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,500.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $6,650 Estimated loss*: 1.74%  
Term: 36 months  
 
Lender yield: 6.99% Borrower rate/APR: 7.99% / 9.33% Monthly payment: $297.65
 
Lender servicing fee: 1.00% Effective Yield*: 6.84%  
Estimated return*: 5.10%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Feb-1996 Debt/Income ratio: 25%
Credit score: 760-779 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 9Length of status:6y 8m
Amount delinquent: $0 Total credit lines: 24 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,613Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: travelinggal42 Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 2 On-time: 39 ( 100% ) 760-779 (Latest)
Principal borrowed: $6,001.00< 31 days late: 0 ( 0% )  
740-759 (Jan-2008)
680-699 (Jan-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 39  
Description
Consolidating Several Debts
This is to put together several payments into one. Right after christmas we had to replace the driveshaft on my car, then shortly after that two wisdom teeth and two crowns became urgent, and then family travel for health reasons. It's all doable - but will be so very much easier once consolidated!

I'm a solid candidate for this loan because I don't miss payments, have a great credit score, have completed previous Prosper Loans. I could do this through credit cards if necessary - this is just a more prudent method (and I really hate giving the credit card companies any extra money!)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 719907
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 5.99%  
Term: 36 months  
 
Lender yield: 15.79% Borrower rate/APR: 16.79% / 20.46% Monthly payment: $888.71
 
Lender servicing fee: 1.00% Effective Yield*: 14.87%  
Estimated return*: 8.88%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Mar-1999 Debt/Income ratio: 28%
Credit score: 700-719 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 8Length of status:1y 6m
Amount delinquent: $0 Total credit lines: 21 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $32,130Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 76%  
   Homeownership: No  
Screen name: new-durability-raker Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to consolidate debt to a lower monthly payment so we can save for daughter's college fund.

My financial situation:
I am a good candidate for this loan because I have worked very hard to even though I carry a balance on my cards, pay above the monthly minimums to slowly pay off the debt (which was gained to pay for our daughter's Pre-school when we moved to Santa Cruz for a job). I am committed to being debt free, and I feel the only way to do this is to consolidate my debt. The interest charges on my high interest cards are really setting us back.


Monthly net income: (including my partner) $7000
Monthly expenses: $ 5375
Housing: $ 2200
Insurance: $ 100
Car expenses: $ 175
Utilities: $ 250
Phone, cable, internet: $ 200
Food, entertainment: $ 800
Clothing, household expenses: $ 200
Credit cards and other loans: $1450
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 719951
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.74%  
Term: 36 months  
 
Lender yield: 15.39% Borrower rate/APR: 16.39% / 20.05% Monthly payment: $530.25
 
Lender servicing fee: 1.00% Effective Yield*: 14.52%  
Estimated return*: 8.78%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2007 Debt/Income ratio: 24%
Credit score: 760-779 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:0y 7m
Amount delinquent: $0 Total credit lines: 16 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $369Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: No  
Screen name: keen-hope276 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...continually become independently responsible for my debt and pay my loved ones back.

My financial situation:
I am a good candidate for this loan because...I have aggressively taken personal responsibility of my financial destiny. I have paid down thousands of dollars of debt by employing my resources wisely. This loan is yet another key step for building solid financial independence.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720019
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 9.75%  
Term: 36 months  
 
Lender yield: 21.72% Borrower rate/APR: 22.72% / 26.53% Monthly payment: $154.26
 
Lender servicing fee: 1.00% Effective Yield*: 20.00%  
Estimated return*: 10.25%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Feb-1988 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Feb-2013) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 11 / 11Length of status:13y 1m
Amount delinquent: $0 Total credit lines: 24 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $200Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: Tina_Berry_121212 Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720033
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 11.75%  
Term: 36 months  
 
Lender yield: 24.66% Borrower rate/APR: 25.66% / 29.54% Monthly payment: $401.10
 
Lender servicing fee: 1.00% Effective Yield*: 22.54%  
Estimated return*: 10.79%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Mar-1990 Debt/Income ratio: 6%
Credit score: 680-699 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:2y 2m
Amount delinquent: $0 Total credit lines: 12 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 7 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: finance-statue6 Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business - Food Manufacturer
Purpose of loan: Working capital, this loan will be used for business purposes, to increase our inventory.

This loan will be used to...Increase our inventory and to allow us to produce more product to supply the growing demand for our products. To get into a large distribution supply chain to supply more retail stores.

My financial situation: Good
I am a good candidate for this loan because...My husband and I have over 50 years combined in the food business. We are makers of multi award winning food products and would like to bring our products to more people. I am working full time in the food business and also making this company grow with my husband. We are a 60 percent woman owned business.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720153
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $18,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $12,600 Estimated loss*: 8.24%  
Term: 36 months  
 
Lender yield: 19.49% Borrower rate/APR: 20.49% / 24.25% Monthly payment: $673.45
 
Lender servicing fee: 1.00% Effective Yield*: 18.08%  
Estimated return*: 9.84%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Aug-1990 Debt/Income ratio: 16%
Credit score: 680-699 (Feb-2013) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 14Length of status:0y 9m
Amount delinquent: $0 Total credit lines: 50 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $23,759Stated income:$100,000+
Delinquencies in last 7y: 6 Bankcard utilization: 88%  
   Homeownership: Yes  
Screen name: return-upholder170 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
No description is available.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720179
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $6,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,200 Estimated loss*: 9.75%  
Term: 36 months  
 
Lender yield: 21.72% Borrower rate/APR: 22.72% / 26.53% Monthly payment: $231.38
 
Lender servicing fee: 1.00% Effective Yield*: 20.00%  
Estimated return*: 10.25%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Jul-1996 Debt/Income ratio: 15%
Credit score: 700-719 (Feb-2013) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 2 Current / open credit lines: 7 / 5Length of status:13y 8m
Amount delinquent: $1,096 Total credit lines: 30 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,238Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 23%  
   Homeownership: No  
Screen name: commerce-fighter942 Borrower's state: NewJersey Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidate Debt
Purpose of loan: Consolidate Credit Card and Household expenses

This loan will be used to...
Consolidate the balances on 4 credit cards into one payment, Car and household maintenance

My financial situation:
I am a good candidate for this loan because my employment is secure (I have been at the same company for over 15 years) and I have a good history of paying my bills on time. Consolidating my debt and household bills using this loan would cut my monthly bills by two-thirds so this is a better option for me.

The one negative issue on my credit report is related to identity theft which I can prove with documentation from the company and police department. I am in the process of getting that record removed.

Monthly net income: $4600
Monthly expenses: $
Housing: $1200.00
Insurance: $100
Car expenses: $430
Utilities: $150
Phone, cable, internet: $130
Food, entertainment: $300
Clothing, household expenses: $100
Credit cards and other loans: $ This would be consolidated into the asking amount.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720227
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $11,050.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $7,735 Estimated loss*: 5.24%  
Term: 36 months  
 
Lender yield: 14.59% Borrower rate/APR: 15.59% / 19.24% Monthly payment: $386.25
 
Lender servicing fee: 1.00% Effective Yield*: 13.82%  
Estimated return*: 8.58%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Mar-1994 Debt/Income ratio: 41%
Credit score: 760-779 (Feb-2013) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 9Length of status:9y 3m
Amount delinquent: $0 Total credit lines: 24 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,409Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 98%  
   Homeownership: Yes  
Screen name: bonus-equinox382 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 8 ( 100% ) 760-779 (Latest)
Principal borrowed: $15,000.00< 31 days late: 0 ( 0% )  
760-779 (May-2012)
 
Principal balance: $13,914.95 31+ days late: 0 ( 0% )
Total payments billed: 8  
Description
Home improvement
Purpose of loan:
This loan will be used to...finish roofing my home and painting the exterior.

My financial situation:
I am a good candidate for this loan because...I pay my bills every month.


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720251
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 4.24%  
Term: 12 months  
 
Lender yield: 9.33% Borrower rate/APR: 10.33% / 16.03% Monthly payment: $440.35
 
Lender servicing fee: 1.00% Effective Yield*: 8.90%  
Estimated return*: 4.66%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jun-1994 Debt/Income ratio: 22%
Credit score: 700-719 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 17 / 15Length of status:15y 6m
Amount delinquent: $0 Total credit lines: 66 Occupation: Executive
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $118,546Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 86%  
   Homeownership: Yes  
Screen name: revenue-magnitude2 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 700-719 (Latest)
Principal borrowed: $18,500.00< 31 days late: 0 ( 0% )  
720-739 (Jul-2012)
 
Principal balance: $15,394.21 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
Home improvement
Purpose of loan:
This loan will be used to improve/upgrade various areas in my home to prepare for sale. I'm relocating to another city.

My financial situation:
I am a good candidate for this loan because I have a good credit rating and history. I have always paid monthly expenses on time. Additionally, I have been employed at the same company for 15 years with a very lucrative career and income, including bonuses that allow me to pay off these sorts of loans in short periods. The next bonus is April of this year will allow this loan to be paid down substantially (if not in total). Hence, the reason for the 1 year loan request. I would like to start the improvements (prior to my bonus arriving in April), thus the reason for this request.

Monthly net income: $ 9,000 (does not include two lump sum bonuses in April and June which net in sum approxmiately 40,000).
Monthly expenses: $5,500
BREAKDOWN:
Housing: $2,000
Insurance: $200
Car expenses: $600
Utilities: $200
Phone, cable, internet: $500
Food, entertainment: $200
Clothing, household expenses: $200
Credit cards and other loans: $1000
Other expenses: $400
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720577
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 3.49%  
Term: 60 months  
 
Lender yield: 11.19% Borrower rate/APR: 12.19% / 14.45% Monthly payment: $558.51
 
Lender servicing fee: 1.00% Effective Yield*: 10.76%  
Estimated return*: 7.27%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Jul-1998 Debt/Income ratio: 17%
Credit score: 800-819 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 11 / 9Length of status:13y 9m
Amount delinquent: $0 Total credit lines: 52 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $7,715Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 42%  
   Homeownership: Yes  
Screen name: dynamic-income3 Borrower's state: Illinois Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Shortfall for Refinancing
Purpose of loan:
I am trying to refinance my mortgage so that my ex-husband can assume it as primary on the account and so that I can move on with my life. I've tried every option to do this with my current lenders, and it seems that they can only help if I were behind on payments (ruining my credit in the meantime)! I am using the money for the closing costs and to cover the loan to equity difference. I am also using part of the money as a down payment on a house of my own. I plan to pay off this requested loan as soon as possible, as my future mortgage will be much less than what I am paying now.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720751
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $12,000 Estimated loss*: 6.74%  
Term: 12 months  
 
Lender yield: 12.89% Borrower rate/APR: 13.89% / 21.65% Monthly payment: $1,076.82
 
Lender servicing fee: 1.00% Effective Yield*: 12.06%  
Estimated return*: 5.32%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-2002 Debt/Income ratio: 41%
Credit score: 700-719 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 6 / 5Length of status:5y 9m
Amount delinquent: $36 Total credit lines: 19 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,127Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 65%  
   Homeownership: No  
Screen name: inspired-fairness947 Borrower's state: Oklahoma Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Business
Purpose of loan: Going in partners with a brand new hair salon/equipment/chairs
This loan will be used to... chairs portion of salon

My financial situation: great, no house/bills payment.
I am a good candidate for this loan because... I am a college graduate and have paid my student loans off. I have been employed full time since graduating in 2007


Monthly net income: $ 4100
Monthly expenses: $ 700
Housing: $0
Insurance: $0
Car expenses: $500
Utilities: $0
Phone, cable, internet: $0
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $200
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720835
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 9.75%  
Term: 36 months  
 
Lender yield: 21.72% Borrower rate/APR: 22.72% / 26.53% Monthly payment: $385.64
 
Lender servicing fee: 1.00% Effective Yield*: 20.00%  
Estimated return*: 10.25%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: Oct-2002 Debt/Income ratio: 46%
Credit score: 660-679 (Feb-2013) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 10 / 9Length of status:5y 2m
Amount delinquent: $416 Total credit lines: 19 Occupation: Laborer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,657Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 94%  
   Homeownership: No  
Screen name: unequaled-deal330 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720897
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $8,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 6.24%  
Term: 12 months  
 
Lender yield: 12.23% Borrower rate/APR: 13.23% / 20.98% Monthly payment: $715.40
 
Lender servicing fee: 1.00% Effective Yield*: 11.48%  
Estimated return*: 5.24%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Dec-1985 Debt/Income ratio: 45%
Credit score: 780-799 (Feb-2013) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 19 / 17Length of status:26y 7m
Amount delinquent: $0 Total credit lines: 50 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $29,425Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: brilliant-finance456 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720957
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 12.25%  
Term: 36 months  
 
Lender yield: 25.39% Borrower rate/APR: 26.39% / 30.29% Monthly payment: $81.00
 
Lender servicing fee: 1.00% Effective Yield*: 23.18%  
Estimated return*: 10.93%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Sep-2005 Debt/Income ratio: Not calculated
Credit score: 620-639 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 16 Occupation: Student - College G...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,285Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 83%  
   Homeownership: No  
Screen name: orange-likeable-gain Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 16 ( 100% ) 620-639 (Latest)
Principal borrowed: $2,000.00< 31 days late: 0 ( 0% )  
700-719 (Oct-2011)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 16  
Description
Vacation
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 720969
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $15,000 Estimated loss*: 7.74%  
Term: 36 months  
 
Lender yield: 18.79% Borrower rate/APR: 19.79% / 23.53% Monthly payment: $555.85
 
Lender servicing fee: 1.00% Effective Yield*: 17.49%  
Estimated return*: 9.75%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 3 First credit line: May-1967 Debt/Income ratio: 40%
Credit score: 760-779 (Feb-2013) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 12Length of status:0y 6m
Amount delinquent: $0 Total credit lines: 27 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $50,358Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: Yes  
Screen name: computer171 Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to... Cosolidate and reduce credit card debt and improve my credit score.

My financial situation:
I am a good candidate for this loan because... I have never made a late payment on any account


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 721029
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $25,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $17,500 Estimated loss*: 8.74%  
Term: 60 months  
 
Lender yield: 21.84% Borrower rate/APR: 22.84% / 25.36% Monthly payment: $702.47
 
Lender servicing fee: 1.00% Effective Yield*: 20.21%  
Estimated return*: 11.47%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Feb-2002 Debt/Income ratio: 28%
Credit score: 700-719 (Feb-2013) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:0y 5m
Amount delinquent: $0 Total credit lines: 20 Occupation: Administrative Assi...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,177Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: No  
Screen name: ideal-transparency161 Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...


Monthly net income: $
Monthly expenses: $
Housing: $
Insurance: $
Car expenses: $
Utilities: $
Phone, cable, internet: $
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 721057
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $10,000.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 8.24%  
Term: 60 months  
 
Lender yield: 21.09% Borrower rate/APR: 22.09% / 24.59% Monthly payment: $276.70
 
Lender servicing fee: 1.00% Effective Yield*: 19.57%  
Estimated return*: 11.33%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 4 First credit line: Nov-1996 Debt/Income ratio: Not calculated
Credit score: 680-699 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:1y 11m
Amount delinquent: $0 Total credit lines: 23 Occupation: Sales - Commission
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $278Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: fairness-brigade9 Borrower's state: SouthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 23 ( 96% ) 680-699 (Latest)
Principal borrowed: $11,000.00< 31 days late: 1 ( 4% )  
660-679 (May-2012)
660-679 (Jul-2011)
660-679 (Aug-2010)
 
Principal balance: $5,542.17 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
Debt consolidation
Purpose of loan:
I'm using this loan to consolidate two loans on which I currently pay a total of $360/mo. This new loan would save me almost $100/mo on that payment.

I've borrowed from prosper before - Everything is drafted out of my account, and I have never been late on any loan payments. My low credit score is the reward of a past life long forgotten.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 721063
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $12,500.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $8,750 Estimated loss*: 4.99%  
Term: 36 months  
 
Lender yield: 14.09% Borrower rate/APR: 15.09% / 18.73% Monthly payment: $433.87
 
Lender servicing fee: 1.00% Effective Yield*: 13.37%  
Estimated return*: 8.38%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Sep-1995 Debt/Income ratio: 13%
Credit score: 700-719 (Feb-2013) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:1y 5m
Amount delinquent: $0 Total credit lines: 17 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $12,396Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 73%  
   Homeownership: No  
Screen name: auction-storm9 Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to...

My financial situation:
I am a good candidate for this loan because...


Monthly net income: $4800
Monthly expenses: $
Housing: $900.00
Insurance: $0.00
Car expenses: $200.00
Utilities: $80.00
Phone, cable, internet: $100.00
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $
Other expenses: $0.00
Information in the Description is not verified.