Listing Report:Supplement No. 19 dated Jul 04, 2011 to Prospectus dated Jun 23, 2011
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Listing Report supplements the prospectus dated Jun 23, 2011 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") we are currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Jun 23, 2011 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series 513315
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: C Listing Duration: 14 days
Minimum Amount to Fund: $6,300 Estimated loss*: 6.10%  
Term: 36 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 22.36% Monthly payment: $329.86
 
Lender servicing fee: 1.00% Effective Yield*: 17.57%  
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): 6 First credit line: Dec-1984 Debt/Income ratio: 19%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 12 / 12Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 41 Occupation: Professional
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,512Stated income:$75,000-$99,999
Delinquencies in last 7y: 12 Bankcard utilization: 57%  
   Homeownership: Yes  
Screen name: lulu4700 Borrower's state: Georgia Borrower's group: eBay Sellers Helping Others
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: 49 ( 100% ) 640-659 (Latest)
Principal borrowed: $6,000.00< 31 days late: 0 ( 0% )  
620-639 (Apr-2010)
520-539 (May-2008)
 
Principal balance: $2,909.10 31+ days late: 0 ( 0% )
Total payments billed: 49  
Description
Another 20 point increase!!
Purpose of loan:
This loan will be used to payoff my existing loan with Prosper and my Dell account and purchase a 2nd car so my husband can return to work.

Financial situation:
I received my first Prosper loan to help re-establish my credit after my husband became disabled a little over three years ago. This loan has been paid in full, on time every month. I have always had great credit and on time payment records but his disability really took a toll on us financially. I have been with the same company for over 10 years.

Monthly net income: $ 5800.00
Monthly expenses: $ $4796.58
First Mortgage: $1615 - Second Mtg: $335 Total = 1950
Car Insurance: $ 9
Car Payment: $ 550
Utilities and Food: $950
Credit cards and other loans: Prosper Loan - $189, Dell - $49, Credit Cards - Payoff monthly $225 (approx) = Total $463
Other expenses: Savings - $250, Orthodontist $113 Educational - $30.58Total = $293.58
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514297
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: $11,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,700 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $449.02
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* 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): 5 First credit line: Feb-1987 Debt/Income ratio: 20%
Credit score: 720-739 (Jun-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 15 / 11Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 41 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $13,495Stated income:$75,000-$99,999
Delinquencies in last 7y: 13 Bankcard utilization: 74%  
   Homeownership: Yes  
Screen name: mibest4321 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
DEBT CONSOLIDATION AND CAR PAYDOWN
Purpose of loan:
This loan will be used to pay down credit cards and car.


Monthly net income: $ 6300
Monthly expenses: $6023
Housing: $1623
Insurance: $200
Car expenses: $650
Utilities: $300
Phone, cable, internet: $150
Food, entertainment: $200
Clothing, household expenses: $500
Credit cards and other loans: $1400
Other expenses: $1000
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514479
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*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $593.44
 
Lender servicing fee: 1.00% Effective Yield*: 13.85%  
Estimated return*: 10.05%  
* 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: Apr-1975 Debt/Income ratio: 52%
Credit score: 780-799 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 8 / 7Length of status:3y 0m
Amount delinquent: $0 Total credit lines: 35 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,931Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 58%  
   Homeownership: Yes  
Screen name: agreement-waterfall1 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
Curves of Parker
This loan will be used to fund DMG Enterprises, LLC, DBA- Curves of Parker a franchisee of Curves International of Waco, Texas. Curves of Parker was originally established in 2006. Curves is the most nationally and internationally recognized ?women?s only fitness? company.
I am a good candidate for this loan because the Fitness club industry is a $240 billion industry. Industry sales show at 2.2% increase in revenue 2009 vs. 2010 and is projected to continue this growth for the foreseeable future. Colorado is among the top 5 states for physical fitness in the US. Curves of Parker is poised to aggressively market to the needs of the local community. Curves of Parker is already serving customers which our competitors are not. These customers will be exclusively female?s who wish to exercise in a fun, healthy environment. Curves of Parker has 362 members; 287 annual and 75 Silver Sneakers.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514521
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* 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): 2 First credit line: Dec-1991 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 680-699 (Jun-2011) Inquiries last 6m: 4Employment status:Self-employed
Now delinquent: 5 Current / open credit lines: 4 / 2Length of status:22y 3m
Amount delinquent: $3,375 Total credit lines: 23 Occupation: Truck Driver
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $948Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 27%  
   Homeownership: No  
Screen name: cactus40 Borrower's state: Kentucky 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
My loan for an auto purchase
Purpose of loan:
This loan will be used to... buy a car for my grandson and his family

My financial situation:
I am a good candidate for this loan because...
i pay my bill on time


Monthly net income: $ 2000
Monthly expenses: $0
Housing: $ 0
Insurance: $
Car expenses: $0
Utilities: $75
Phone, cable, internet: $0
Food, entertainment: $100
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514533
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* 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: Apr-1999 Debt/Income ratio: 20%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:7y 10m
Amount delinquent: $0 Total credit lines: 15 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $249Stated income:$25,000-$49,999
Delinquencies in last 7y: 5 Bankcard utilization: 13%  
   Homeownership: No  
Screen name: worth-farm0 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
Personal Loan
Purpose of loan: pay off all debit
This loan will be used to...pay off bills and school

My financial situation: I am a good candidate for this loan because...i made poorly decisions and im getting older and wiser and need to start making healthier decisions with my life and family.pay off all bills and make better choices. Thank You


Monthly net income: $1550.30
Monthly expenses: $1200.00
Housing: $765.00
Insurance: $500.00
Car expenses: $294.00
Utilities: $300.00
Phone, cable, internet: $168.72
Food, entertainment: $200.00
Clothing, household expenses: $600.00
Credit cards and other loans: $0.00
Other expenses: $300.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514727
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: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $306.15
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* 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): 6 First credit line: Mar-1993 Debt/Income ratio: 12%
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 5Length of status:23y 2m
Amount delinquent: $5,964 Total credit lines: 26 Occupation: Skilled Labor
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $812Stated income:$100,000+
Delinquencies in last 7y: 4 Bankcard utilization: 36%  
   Homeownership: Yes  
Screen name: dime-sitar 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
rental home
Purpose of loan:
I have a mobile home I am going to fix up and use as rental property.

My financial situation:
I am a good candidate for this loan because I make enough money to pay back the loan and I also will have passive income with the rental property.I can verify all my income and im willing to answer any questions.


Monthly net income: $4100.00
Monthly expenses: $2584.00
Housing: $800.00
Insurance: $165.00
Car expenses: $0
Utilities: $220.00
Phone, cable, internet: $80.00
Food, entertainment: $350.00
Clothing, household expenses: $100.00
Credit cards and other loans: $150.00
Other expenses: $719.00
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514733
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*: 10.00%  
Term: 36 months  
 
Lender yield: 22.99% Borrower rate/APR: 23.99% / 27.47% Monthly payment: $588.41
 
Lender servicing fee: 1.00% Effective Yield*: 22.43%  
Estimated return*: 12.43%  
* 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-1980 Debt/Income ratio: 32%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 23 / 21Length of status:0y 10m
Amount delinquent: $0 Total credit lines: 66 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $16,461Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: Yes  
Screen name: qutiepie 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.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 34 ( 100% ) 700-719 (Latest)
Principal borrowed: $10,500.00< 31 days late: 0 ( 0% )  
760-779 (Jul-2010)
740-759 (Jul-2008)
720-739 (Jun-2008)
700-719 (Apr-2008)
 
Principal balance: $5,061.79 31+ days late: 0 ( 0% )
Total payments billed: 34  
Description
Race to Being Debt Free
Purpose of loan: Bill Consolidation
This loan will be used to pay off debts

My financial situation:
I am a good candidate for this loan because, I'm gainfully employed full time. I pay my bills in a timely fashion; I have one previous and one current loan in good standing with Prosper.


Monthly net income: $4846.28
Monthly expenses: $
Housing: $890.29 (pmt includes insurance)
Insurance: $23.01
Car expenses: $50.00 (insurance only; use of company car for personal use)
Utilities: $224.00
Phone, cable, internet: $188.00
Food, entertainment: $140.00
Clothing, household expenses: $65.00
Credit cards and other loans: $997.11
Other expenses: $35.47 (cell phone)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514769
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* 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: May-1997 Debt/Income ratio: 10%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 2 Current / open credit lines: 5 / 2Length of status:17y 7m
Amount delinquent: $150 Total credit lines: 47 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $1,485Stated income:$50,000-$74,999
Delinquencies in last 7y: 24 Bankcard utilization: 99%  
   Homeownership: No  
Screen name: orderly-worth2 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
Debt Consolidate
Purpose of loan:
This loan will be used to pay off my bills.

My financial situation:
I am a good candidate for this loan because I want to have my life back to normal.


Monthly net income: $ 3800
Monthly expenses: $
Housing: $ 600
Insurance: $ 70
Car expenses: $ 100
Utilities: $ 30
Phone, cable, internet: $ 50
Food, entertainment: $
Clothing, household expenses: $
Credit cards and other loans: $ 50
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514258
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*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $281.22
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%  
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): 8 First credit line: Oct-1995 Debt/Income ratio: 12%
Credit score: 700-719 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 6Length of status:8y 11m
Amount delinquent: $0 Total credit lines: 59 Occupation: Retail Management
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $2,189Stated income:$50,000-$74,999
Delinquencies in last 7y: 19 Bankcard utilization: 35%  
   Homeownership: No  
Screen name: credit-birdie0 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
Motorcycle Loan
Purpose of loan: Purchase a new bike

My financial situation: Good
I am a good candidate for this loan because...I pay my bills on time and have steadily been rebuilding my credit for the past two years. Recently paid off my car, now I would like to purchase a motorcycle. I will make all payments on time and be a good investment. Thank you.

Monthly net income: $2900
Monthly expenses: $2200
Housing: $900
Insurance: $60
Car expenses: $0
Utilities: $190
Phone, cable, internet: $150
Food, entertainment: $600
Clothing, household expenses: $50
Credit cards and other loans: $150
Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514264
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: B Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 14.99% Borrower rate/APR: 15.99% / 18.17% Monthly payment: $140.61
 
Lender servicing fee: 1.00% Effective Yield*: 14.73%  
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): 8 First credit line: Nov-2003 Debt/Income ratio: 14%
Credit score: 640-659 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 1 Current / open credit lines: 11 / 9Length of status:4y 10m
Amount delinquent: $527 Total credit lines: 34 Occupation: Engineer - Mechanic...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $6,842Stated income:$25,000-$49,999
Delinquencies in last 7y: 18 Bankcard utilization: 44%  
   Homeownership: No  
Screen name: Mindtwisterz 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
College/Debt consolidation
Purpose of loan: Money for paying off bills
This loan will be used to...Help pay off bills and help consolidate for school.

My financial situation: Having started back in school and paying straight out for it as well as medical bills and some bills i have i'm starting to become overwelmed.Right now i have one collection account that has been a pain settling.

I am a good candidate for this loan because...I have never missed a payment on any bills in over 2 years. I plan on making this loan payment priority over everything.


Monthly net income: $1770
Monthly expenses: $150
Housing: $200
Insurance: $82/month
Car expenses: $150-$200 (gas really, no car payments anymore)
Utilities: $60
Phone, cable, internet: $110
Food, entertainment: $100
Clothing, household expenses: $50
Credit cards and other loans: $6000
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514270
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* 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-2006 Debt/Income ratio: Not calculated
Credit score: 720-739 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 6 / 5Length of status:2y 10m
Amount delinquent: $0 Total credit lines: 9 Occupation: Food Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: currency-mogul0 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
student debt
Purpose of loan:
This loan will be used to pay off my student loan so I can finance a car and house and be just like the regulars in the working world.

My financial situation:
I am a good candidate for this loan because I've graduated college, work full time, and take care of two girls that are not mine. I'm serious about my finances and getting my credit on track. Im very loyal to my work. I plan to pay off this loan within 6 months.


Monthly net income: $4500
Monthly expenses: $1500
Housing: $800
Insurance: $50
Car expenses: $0
Utilities: $300
Phone, cable, internet: $80
Food, entertainment: $400
Clothing, household expenses: $200
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514288
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: A Listing Duration: 14 days
Minimum Amount to Fund: $11,200 Estimated loss*: 3.80%  
Term: 60 months  
 
Lender yield: 13.90% Borrower rate/APR: 14.90% / 16.29% Monthly payment: $379.80
 
Lender servicing fee: 1.00% Effective Yield*: 13.85%  
Estimated return*: 10.05%  
* 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: Jun-1994 Debt/Income ratio: 29%
Credit score: 820-839 (Jun-2011) Inquiries last 6m: 2Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:0y 8m
Amount delinquent: $1,421 Total credit lines: 43 Occupation: Food Service Manage...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,414Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: Yes  
Screen name: bold-dignified-community 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
My loan debt consolidation
Purpose of loan:
This loan will be used to consolidate some debt and make home improvements.

My financial situation:
I am a good candidate for this loan because I have been in the same profession for over sixteen years with solid credit and good income. My wife is also employed which adds over $30,000 to our income.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514294
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* 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: Sep-2003 Debt/Income ratio: 9%
Credit score: 640-659 (Jul-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:12y 11m
Amount delinquent: $0 Total credit lines: 7 Occupation: Clergy
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $1,028Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 34%  
   Homeownership: No  
Screen name: shiny-p2ploan2 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
Bishop
Purpose of loan: debt consolidation
This loan will be used to... car repairs and credit card pay off

My financial situation: solid
I am a good candidate for this loan because... my credit is good, i have been employed with the same company for over 12 years, and i am not behind on any bills


Monthly net income: $45000
Monthly expenses: $1000
Housing: $695
Insurance: $205
Car expenses: $100
Utilities: $ included in rent
Phone, cable, internet: $225
Food, entertainment: $ 150
Clothing, household expenses: $50
Credit cards and other loans: $200
Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514488
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: HR Listing Duration: 14 days
Minimum Amount to Fund: $2,800 Estimated loss*: 19.50%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $174.20
 
Lender servicing fee: 1.00% Effective Yield*: 29.17%  
Estimated return*: 9.67%  
* 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: Jan-2001 Debt/Income ratio: 15%
Credit score: 660-679 (Jul-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:1y 9m
Amount delinquent: $0 Total credit lines: 33 Occupation: Nurse (RN)
Public records last 12m / 10y: 0/ 2 Revolving credit balance: $13,470Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 91%  
   Homeownership: Yes  
Screen name: pound-storm3 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.
Description
Debt consolidation
Purpose of loan:
I would like to use this loan to consolidate 2 credit cards so that I can make 1 payment. This would free up additional money in my buudget and I would be able to pay it off quicker.

My financial situation:
I am a good candidate for this loan because I have paid all of my bills on time for the last 7 years. I have been trying to increase my credit score for the last 7 years and it has been going very slow. I am a registered nurse and make decent money. I am thrifty and use coupons for everything. My family and I shop at Goodwill and tend to buy things only when neccessary. Please help me achieve my financial goals, I make my payments on time and I am a homeowner


Monthly net income: $ 6200
Housing: $ 1700
Insurance: $ 90
Car expenses: $ 450
Utilities: $ 100
Phone, cable, internet: $ 270
Food, entertainment: $ 425
Clothing, household expenses: $ 100
Credit cards and other loans: $ 150
Other expenses: $ 120
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514506
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: D Listing Duration: 14 days
Minimum Amount to Fund: $5,600 Estimated loss*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $261.24
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* 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-1995 Debt/Income ratio: Not calculated
Credit score: 740-759 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 2 / 2Length of status:0y 10m
Amount delinquent: $350 Total credit lines: 10 Occupation: Nurse's Aide
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $434Stated income:$1-$24,999
Delinquencies in last 7y: 0 Bankcard utilization: 2%  
   Homeownership: No  
Screen name: currency-channel8 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
Trans Am
Purpose of loan:
To purchase a classic trans am.

My financial situation:
I am a good candidate for this loan because I am financially stable with a secure job that I am promised.


Monthly net income: 1600
Monthly expenses: 150
Housing: 0
Insurance: 55
Car expenses: $350
Utilities: $0
Phone, cable, internet: $50
Food, entertainment: $0
Clothing, household expenses: $0
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514524
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: $20,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $14,000 Estimated loss*: 1.95%  
Term: 60 months  
 
Lender yield: 10.99% Borrower rate/APR: 11.99% / 12.21% Monthly payment: $444.79
 
Lender servicing fee: 1.00% Effective Yield*: 10.98%  
Estimated return*: 9.03%  
* 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): 9 First credit line: Mar-2002 Debt/Income ratio: 4%
Credit score: 800-819 (Jun-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 7Length of status:1y 8m
Amount delinquent: $0 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: equitable-agreement5 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
Quick Business Acquisition
This will be used to fund a business acquisition. I have a great opportunity to purchase a well established, profitable pizzeria & bistro in a growing, affluent area. Total price is $150k with annual cashflow of $96k. The restaurant will be managed by a partner with 14 years experience managing pizzerias. My total cash investment is $130k & I just need the remaining $20k to fill the gap for this quick acquisition.

I'm a good candidate for this loan because I have conducted extensive due diligence on the business and its ability to repay the loan on its own without affecting operating income is proven. Cashflow on the business looks great. Product is great. Location is great. Management team is experienced & proven in this type of business. I have secure employment with a $160k salary that can be substantiated, 0 consumer debt, & excellent credit. I just need some assistance to fill the gap & take advatage of this great opportunity.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514730
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*: 5.95%  
Term: 60 months  
 
Lender yield: 17.99% Borrower rate/APR: 18.99% / 20.44% Monthly payment: $259.35
 
Lender servicing fee: 1.00% Effective Yield*: 17.68%  
Estimated return*: 11.73%  
* 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-1999 Debt/Income ratio: 8%
Credit score: 660-679 (Jun-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:20y 6m
Amount delinquent: $0 Total credit lines: 9 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,310Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 97%  
   Homeownership: Yes  
Screen name: blackberry224 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
Pre Retirement Debt Consolidation
Purpose of loan:
This loan will be used to pay of all credit card debt before becoming effectively retired from the Air Force

My financial situation:
I am a good candidate for this loan because I will always receive income and have just graduated with my Masters degree and am in a program to obtain certification as a personal financial advisor.


Monthly net income: $4,200
Monthly expenses: $
Housing: $1,060
Insurance: $200
Car expenses: $0 (own both vehicle titles)
Utilities: $350
Phone, cable, internet: $150
Food, entertainment: $400
Clothing, household expenses: $400
Credit cards and other loans: $300
Other expenses: $500 (dividend return investments)
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514736
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: AA Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 1.00%  
Term: 36 months  
 
Lender yield: 6.99% Borrower rate/APR: 7.99% / 8.33% Monthly payment: $313.32
 
Lender servicing fee: 1.00% Effective Yield*: 6.99%  
Estimated return*: 5.99%  
* 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: Jun-2000 Debt/Income ratio: 9%
Credit score: 820-839 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:5y 2m
Amount delinquent: $0 Total credit lines: 21 Occupation: Engineer - Electric...
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $505Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 3%  
   Homeownership: Yes  
Screen name: wisconsinvestor Borrower's state: Wisconsin 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% ) 820-839 (Latest)
Principal borrowed: $4,000.00< 31 days late: 0 ( 0% )  
820-839 (Dec-2010)
 
Principal balance: $3,420.15 31+ days late: 0 ( 0% )
Total payments billed: 6  
Description
Installing new wood floors
Purpose of loan:
This loan will be used to...replace the carpeted first level of my house with new wood floors. I'll be using $3500 of this money to pay off my first prosper loan to consolidate the loan in to a single $10,000 loan.

My financial situation:
I am a good candidate for this loan because...I always pay my bills on time and I have my prosper loans automatically paid out of my checking account.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514748
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*: 11.20%  
Term: 60 months  
 
Lender yield: 29.49% Borrower rate/APR: 30.49% / 32.96% Monthly payment: $489.83
 
Lender servicing fee: 1.00% Effective Yield*: 28.75%  
Estimated return*: 17.55%  
* 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-1993 Debt/Income ratio: 37%
Credit score: 700-719 (Jul-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:4y 11m
Amount delinquent: $0 Total credit lines: 8 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $28,908Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 77%  
   Homeownership: No  
Screen name: gentle-agreement9 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.
Description
Making Restitution
Purpose of loan:
This loan will be used to make restitution to people involved in a car accident I caused due to a medical condition a couple of years ago.

My financial situation:
I am a good candidate for this loan because I will be able to make the monthly payments to repay this loan, as I have always made my payments.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 514766
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: $8,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,950 Estimated loss*: 11.20%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $346.97
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.14%  
* 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): 6 First credit line: Jan-1998 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 760-779 (Jul-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 32 Occupation: Computer Programmer
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $135Stated income:$75,000-$99,999
Delinquencies in last 7y: 1 Bankcard utilization: 1%  
   Homeownership: No  
Screen name: unafraid-greenback9 Borrower's state: RhodeIsland 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
Walk Right In Websites
Walk Right In Websites offers a retail sales location in a centrally-located plaza to target small and micro business owners to fullfill their web development needs.

The funding will assist in store location setup, including signage, furniture, etc. A detailed disbursement schedule is available.Our marketing strategy uses targeted television and direct mail advertising.

I am employing his 20+ year technical and project management experience Certified PmP (Project Management Professional) and recently left my 13-year position in a large software company to pursue this endeavor.

Credit score is 693, which includes a "ding" for a loan I co-signed a few years ago but was paid off.

Walk Right In Websites projected P&L highlights (first year, cumulative), based on conservative sales estimates for this market:
Sales Revenue: $447,543.00
Operating Expenses: $300,183.00
Total profit after taxes: $147,349.00

Please contact me for further details
Information in the Description is not verified.