601:
of factors, including
Prosper's decision to set the interest rates on all loans (rather than let investors choose the rates they would accept), occurred after Prosper registered with the SEC and began issuing new loan notes in July, 2009. Additionally, after Prosper began setting the rates on all loans itself, Prosper significantly tightened the minimum credit quality necessary for a borrower to receive a Prosper loan. Many borrowers who received loans prior to 2009 (which were priced by investors) would no longer qualify for a loan, at any rate, under Prosper's new underwriting policies.
512:"member payment dependent" notes are considered unsecured creditors of Prosper Marketplace with limited recourse against it. The Prospectus states that in the event Prosper becomes insolvent or declares bankruptcy, investors in Prosper notes may lose all or part of their investment even if the underlying borrower continues to pay. Investors' recourse in the event borrower-supplied information proves incorrect for any reason is also "extremely" limited. This structure is identical to that adopted by LendingClub after SEC registration.
27:
614:
44.30% of money lent to borrowers with a credit score below 600. Eric's Credit
Community reported generally consistent delinquency results, with a 24-month delinquency rate by credit grade for loans originated after January 1, 2006, ranging from 11.8% for 'AA' loans to 61.6% for 'HR' loans. The charge-off rates in many cases exceeded the interest received on the loan categories, resulting in a negative return. Eric's reported that the median return to Prosper investors was negative 2.00% and the mean return negative 2.28.
1650:
173:
156:
136:
564:
and holding that
Greenwich is obligated to defend Prosper in the class-action suit and to reimburse Prosper's litigation expenses so far. Although the decision did not rule on the lawsuit itself or address whether Prosper might be entitled to insurance coverage in the event any of the lawsuit's claims proved meritorious, it relieved Prosper of significant legal expenses in the interim.
547:. As a result of these findings, the SEC imposed a cease and desist order on Prosper. Due primarily to the novel nature of the peer-to-peer lending models, the SEC, after review, now treats all peer-to-peer lending transactions as sales of securities and requires that all platforms register with the SEC.
617:
After
Prosper's relaunch in July 2009, and implementing stricter credit guidelines for borrowers Prosper's loan default rate has been significantly reduced. The percentage of all loans that are 6+ months old, and are 1+ month late, dropped to less than 4%. As of Aug 11, 2010, the 4 months that match
596:
Prosper maintains a full public database of all loans issued through its marketplace on its website. This database and all market statistics can be accessed and queried for analysis of loan performance over time. An interface to run complex performance queries is supported and allows investors (and
559:
On
November 26, 2008, a class action lawsuit was filed against Prosper in the Superior Court of California, County of San Francisco, California. The suit was brought on behalf of all loan note purchasers in Prosper's online lending platform from January 1, 2006, through October 14, 2008, and alleges
483:
Prosper had developed a secondary market for note trading, in cooperation with Folio
Investing. Through the secondary market platform, investors were able to buy and sell Prosper loans ("notes") at any time. However, Prosper declared in its prospective dated December 21, 2016, that its relationship
600:
Prosper reports a 10.69% annualized seasoned rate of return, net of fees, for all loans issued from its re-opening after SEC registration (July 1, 2009) to the 30th of
September, 2011. Prosper's returns for this period have been independently audited by Ashland Partners & Company LLP. A number
563:
Prosper's insurer, Greenwich
Insurance Company, refused to pay for defense expenses, claiming the matters involved were not covered by the insurance policy. On December 14, 2010, Judge Richard A. Kramer of California Superior Court issued a tentative decision ruling for Prosper on this limited issue
273:
In 2016, Prosper
Marketplace unveiled Prosper Daily, a mobile app. The app is designed to give consumers tools to make financial decisions, including viewing all their financial accounts in one place, budgeting and tracking spending by category, identifying questionable charges, and monitoring their
630:
Bloomberg
BusinessWeek reported on November 11, 2010, that Prosper was seeking additional funding and Prosper received an additional funding infusion in a Series E round on June 3, 2011. According to Prosper's SEC filing, the company raised $ 17.15 million by selling additional shares at an average
613:
As of January 24, 2010, Prosper reported that 22.45% of all money lent since inception had been charged off and an additional 2.51% was delinquent but not yet charged off. Charge-off rates by credit score category ranged from 11.57% of money lent to borrowers with a credit score of 760 or higher to
345:
Prosper has provided an increasing amount of information about prospective borrowers over time, while also making various changes to its credit policy. Prior to its 2008 'quiet period' and 2009 SEC registration, the company provided "Credit Grades" and other credit information about its prospective
550:
In July 2009, Prosper reopened their website for lending ("investing") and borrowing after having obtained SEC registration for its loans ("notes"). After the relaunch, bidding on loans was restricted to residents of 28 U.S. states and the District of Columbia. Borrowers may reside in any of 47
511:
According to the prospectus issued to investors on July 13, 2009, Prosper notes since relaunch are obligations of Prosper Marketplace and not of the original borrower. Prosper promises to pay the noteholder ("investor") the funds it receives from the underlying borrower. Noteholders of Prosper's
358:
Since its SEC registration in 2009, Prosper has provided a proprietary "Prosper Rating" for prospective borrowers based on the company's estimation of that borrower's "estimated loss rate." According to the company, that figure is "determined by two scores: (1) the credit score, obtained from an
470:
Prosper has a transaction-based business model, in which the company collects revenue by taking a fee on its customers' transactions. Borrowers who receive a loan, pay an origination fee of 1.00% to 5.00%, depending on the borrower's Prosper Rating, and investors pay a 1% annual servicing fee.
269:
Prosper publishes performance statistics on its website and all market data is available to the public for analysis. All transactions are in US dollars; lenders and borrowers must be US residents. Prosper's 10.69% annualized seasoned rate of return, net of fees, for the period of July 1, 2009
233:
Prosper verifies borrowers' identities and select personal data before funding loans and manages all stages of loan servicing. Prosper's unsecured personal loans are fully amortized over a period of three or five years, with no pre-payment penalties. Prosper generates revenue by collecting a
626:
Since its 2009 relaunch, Prosper received a Series D funding round of $ 14.7M in April 2010 with participation from all previous investors as well as new investors CompuCredit and TomorrowVentures. TomorrowVentures is an investment vehicle funded by Google Executive Chairman Eric Schmidt.
479:
As borrowers repay over the three, or five-year fixed term of their Prosper loan, payments are distributed to investors' accounts. This money may then be re-invested into new Prosper loans or withdrawn from Prosper by transfer into the bank accounts of the Prosper investors.
609:
As of August 2008, approximately 18.5% of all money loaned through Prosper from inception (February 2006) through June 2008 were in some form of delinquency. Also, more than 35% of all loans that originated in February 2007 were in some form of delinquency.
484:
with Folio Investing had terminated on October 31, 2016. Consequently, note purchasers were informed that they would have to hold their notes to maturity unless Prosper were to establish a new secondary market platform, for which it made no assurance.
634:
In January 2013, Prosper received $ 20 million in funding led by Sequoia Capital, followed by $ 25 million in September 2013 led by Sequoia Capital and BlackRock. In May 2014, Prosper announced a $ 70 million funding round led by Francisco Partners.
498:
As of March 1, 2012, Prosper allows tax-free or tax-deferred investment via self-directed IRA accounts. Traditional IRAs, Roth IRAs, SEP IRAs, and 401(k) Rollovers are supported through Prosper's IRA custodian partners Equity Institutional and
560:
that Prosper offered and sold unqualified and unregistered securities in violation of the California and federal securities laws. The lawsuit seeks class certification, damages, the right of rescission and the award of attorneys’ fees.
225:
marketplace, with over $ 23 billion in funded loans. Borrowers request personal loans on Prosper and investors (individual or institutional) can fund anywhere from $ 2,000 to $ 50,000 per loan request. Investors can consider borrowers’
245:
with the SEC, changing its business model to use pre-set rates determined solely by Prosper based on a formula evaluating each prospective borrower's credit risk. Under the new approach, lenders no longer determine the loan rate via
359:
official credit reporting agency, and (2) the Prosper Score, figured in-house based on the Prosper population." Prosper Ratings, from lowest-risk to highest-risk, are labeled AA, A, B, C, D, E, and HR ("High Risk").
583:, had borrowed $ 28,500 from Prosper to finance the purchase of weapons and explosives. This was investigated by the FBI, the House Financial Services Committee, and the California Department of Business Oversight.
250:
in an auction. Instead, they simply choose whether or not to invest at the rate which Prosper's loan pricing algorithm assigns to the loan after it analyzes the borrower's credit report and financial information.
209:-based financial services company. Prosper Funding LLC, one of its subsidiaries, operates Prosper.com, a website where individuals can request to borrow money, open a credit card, or invest in
237:
From 2006 to 2009, Prosper operated a variable rate model. Prosper acted as an eBay-style online auction marketplace, with lenders and borrowers ultimately determining loan rates using a
230:, ratings, and histories and the category of the loan. Prosper handles the servicing of the loan and collects and distributes borrower payments and interest back to the loan investors.
346:
lenders. Following the SEC registration, the company created a new model that determined "Prosper Ratings" instead. Additionally, new prospective borrowers were required to have an
639:
NEXT fund led an investment of $ 165 million in Prosper in April 2015. In 2017, Prosper raised US$ 50 million in a Series G round, led by FinEX Asia's private equity division.
1130:
106:
1311:
1257:
631:
of approximately $ 0.738/share. Series E investors included Draper Fisher Jurvetson, Crosslink Capital, Accel Partners, Agilus Ventures and TomorrowVentures.
1224:
310:
500:
1023:
809:
1678:
1176:
1554:
825:
1198:
682:
1304:
839:
736:
1673:
1653:
1329:
1297:
1118:
255:
723:
753:
530:, "Prospering with the Prosper® Card* seems unlikely... We hope you live long and… well, apply for a different credit card."
1066:
892:
648:
782:
1107:
1035:
1142:
1082:
956:
576:
551:
states, with residents of three states (Iowa, Maine, and North Dakota) not permitted to borrow through Prosper.
1049:
270:
through September 30, 2011 was independently audited by Ashland Partners & Company LLP in December 2011.
922:
976:
806:
939:
597:
the public) to look into the performance of any subset of loans over whatever time period they choose.
580:
116:
350:
8 credit score of at least 640, while returning borrowers only need a score of 600 to request a loan.
1258:"FinEX Asia's Private Equity Fund Manager Announces US$ 50 Million Investment in Prosper Marketplace"
567:
The lawsuit was settled July 19, 2013, for 10 million dollars paid in installments over three years.
234:
one-time fee on funded loans from borrowers and assessing an annual loan servicing fee to investors.
206:
987:
701:
686:
1154:
306:
871:
544:
1564:
826:"Prosper Marketplace and HomeAdvisor Partner to Bring Home Improvement Financing to Millions"
846:
618:
these criteria are the lowest percentage of late payments Prosper has seen since inception.
1504:
1320:
990:
by Chauncey Crail (contributor), Robin Saks Frankel (Editor), Updated: Sep 19, 2022, 9:00am
503:. The minimum investment required to open a self-directed Prosper IRA account is $ 5,000.
242:
222:
51:
47:
807:
Ashland Partners LLP Independent Audit of Prosper.com Annual Returns (July 2009–Sept 2011)
8:
1360:
1579:
1456:
1388:
1232:
704:. No. Financing. United States: Wall Street Journal. Dow Jones & Company Inc
298:
26:
1001:
1355:
111:
957:"(Press Release) Prosper.com Brings Consistent, High-Yield 10.46% Returns to IRAs"
1398:
1004:. No. Money. United States: Wall Street Journal. Dow Jones & Company Inc
813:
757:
314:
290:
247:
37:
900:
1539:
1529:
1509:
322:
294:
210:
1667:
1236:
636:
238:
1131:
Prosper Marketplace Inc.: Key Developments: Prosper Seeks Additional Funding
783:"Independent Audit Confirms Industry-Best Returns of P2P Lender Prosper.com"
1549:
330:
302:
278:
263:
259:
227:
1086:
1050:"Loan to San Bernardino shooter draws scrutiny to online lending industry"
1365:
487:
334:
325:), Meritech Capital Partners, TomorrowVentures (an investment vehicle of
254:
The idea for the service is derived from group banking concepts, such as
121:
1177:"Prosper Raises $ 25 Million in New Round, Adding BlackRock as a Backer"
1611:
1559:
1544:
1289:
148:
543:
On November 24, 2008, the SEC found Prosper to be in violation of the
1524:
1514:
286:
277:
Prosper opened to the public on February 5, 2006, and was founded by
92:
1632:
1574:
1569:
1430:
1370:
1225:"Prosper Marketplace Raises $ 165 Million in Latest Funding Round"
1534:
1483:
1403:
1393:
526:
gave a negative review of the Prosper credit card. According to
667:
1488:
1440:
1350:
1155:"Prosper Reboots With a New CEO and New Funding - Lend Academy"
1022:
Superior Court of California, County of San Francisco, Docket:
977:
Prosper Prospectus of July 13, 2009 (Retrieved 24 January 2010)
522:
326:
282:
241:-like system. Effective December 19, 2010, Prosper filed a new
1519:
1435:
1083:"Eric's Credit Community - Prosper.com Data & Statistics"
165:
1047:
1616:
1584:
1380:
1199:"Prosper Said to Get $ 650 Million Valuation After Funding"
347:
318:
139:
1284:
1108:
Prosper Marketplace Inc. SEC Form Form 8-K, April 20, 2010
893:"Personal Loans: Rates & Fees for Borrowers - Prosper"
747:
745:
194:
1048:
Koren, Janes & Puzzanghera, Jim (11 December 2015).
742:
506:
604:
474:
1119:
Prosper.com Raises 14.7 Million; Eric Schmidt Invests
993:
751:
680:
258:. Other motivating ideas derive from the concepts of
693:
776:
774:
1144:Prosper Marketplace Inc. SEC Form 8-K, Jun 7, 2011
490:appears as a trustee in Prospers note indenture.
1665:
771:
333:), and QED Investors (an investment vehicle of
1077:
1075:
932:
864:
1305:
801:
799:
274:free credit score, which is updated monthly.
1343:
832:
726:SEC Edgar Archive (Retrieved 2 January 2011)
702:"Where Either a Borrower Or a Lender Can Be"
340:
1072:
1312:
1298:
1038:. Sec.gov. Retrieved on 21 September 2013.
796:
285:) and John Witchel. Prosper is backed by
1223:Merced, Michael J. De La (8 April 2015).
1679:Online marketplaces of the United States
1319:
1041:
923:"Prosper Prospectus - December 21, 2016"
575:In December 2015, the FBI reported that
570:
493:
256:rotating savings and credit associations
840:"Prosper Risk Performance Presentation"
554:
221:Prosper Marketplace is America's first
1666:
1222:
515:
1293:
586:
735:Securities and Exchange Commission,
724:Post Effective Amendment to Form S-1
649:Comparison of crowd funding services
621:
507:Financial structure of Prosper loans
362:
1067:Lender is Back and Better Than Ever
999:
699:
605:Loan performance prior to July 2009
591:
475:Secondary market / trading platform
13:
1174:
754:"Prosper: Marketplace Performance"
538:
353:
14:
1690:
1278:
465:
1649:
1648:
1196:
1002:"Peer-To-Peer Lender Relaunched"
533:
172:
171:
155:
154:
135:
134:
25:
1250:
1216:
1190:
1168:
1147:
1136:
1123:
1112:
1101:
1060:
1029:
1016:
988:Prosper Credit Card 2022 Review
981:
970:
949:
915:
885:
1674:Peer-to-peer lending companies
818:
729:
716:
674:
660:
1:
654:
579:, one of the shooters in the
16:Peer-to-peer lending service
7:
1385:United Prosperity (Defunct)
1026:(retrieved 23 January 2020)
1000:Kim, Jane (28 April 2009).
739:(Retrieved (2 January 2011)
700:Kim, Jane (12 March 2008).
642:
216:
159:US$ -106.46 million (2023)
10:
1695:
1133:(retrieved 2 January 2011)
1098:(Retrieved 11 August 2010)
1069:(Retrieved 11 August 2010)
1024:Case Number: CGC-09-491736
752:Prosper Marketplace, Inc.
722:Prosper Marketplace Inc.,
681:Prosper Marketplace, Inc.
581:2015 San Bernardino attack
337:co-founder Nigel Morris).
317:(an investment vehicle of
176:US$ 755.73 million (2023)
117:Home Equity Line of Credit
1645:
1625:
1604:
1597:
1497:
1476:
1469:
1449:
1423:
1416:
1399:Virgin Money US (Defunct)
1336:
1327:
341:Evaluation of credit risk
207:San Francisco, California
203:Prosper Marketplace, Inc.
190:
180:
163:
146:
130:
99:
85:
75:
65:
57:
43:
33:
24:
20:Prosper Marketplace, Inc.
1129:Bloomberg BusinessWeek,
737:Notice of Effectiveness.
107:Unsecured Personal Loans
307:Draper Fisher Jurvetson
1489:Zencap Global Services
545:Securities Act of 1933
61:California, USA (2005)
1565:RebuildingSociety.com
571:Farook use of Prosper
494:IRA investor accounts
301:, CrossLink Capital,
142:137.70 million (2023)
1560:RateSetter (Defunct)
1505:Abundance Investment
1321:Peer-to-peer lending
852:on 30 September 2011
555:Class-action lawsuit
223:peer-to-peer lending
95:, President Emeritus
91:David Kimball, CEO;
52:Peer-to-peer lending
48:Financial technology
1580:Wellesley & Co.
1376:Prosper Marketplace
516:Prosper credit card
329:Executive Chairman
297:, Agilus Ventures,
182:Number of employees
21:
1229:The New York Times
940:"Prosper Official"
812:2012-04-25 at the
587:Market performance
577:Syed Rizwan Farook
19:
1661:
1660:
1641:
1640:
1593:
1592:
1465:
1464:
1457:Funding Societies
1412:
1411:
1394:Vittana (Defunct)
1175:Merced, Michael.
1054:Los Angeles Times
872:"Prosper Ratings"
805:(Press Release)
780:(Press Release)
622:Financial history
462:
461:
455:
454:
427:Annual Loss Rate
425:Estimated Average
413:
412:
377:Annual Loss Rate
375:Estimated Average
311:Fidelity Ventures
299:Benchmark Capital
200:
199:
70:San Francisco, CA
1686:
1652:
1651:
1602:
1601:
1474:
1473:
1441:Qifang (Defunct)
1421:
1420:
1351:BTCJam (Defunct)
1341:
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1314:
1307:
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1105:
1099:
1097:
1095:
1094:
1085:. Archived from
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1070:
1064:
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1057:
1045:
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1036:p8k7d19d2013.htm
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899:. Archived from
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878:
868:
862:
861:
859:
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845:. Archived from
844:
836:
830:
829:
828:. 10 March 2016.
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794:
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791:
789:
778:
769:
768:
766:
765:
756:. Archived from
749:
740:
733:
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709:
697:
691:
690:
685:. Archived from
683:"Listing Review"
678:
672:
671:
664:
592:Loan performance
501:Millennium Trust
417:
416:
367:
366:
363:
281:(the founder of
175:
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112:Home Equity Loan
29:
22:
18:
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897:www.prosper.com
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814:Wayback Machine
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668:"About Prosper"
666:
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645:
637:Credit Suisse's
624:
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539:SEC regulations
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518:
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496:
477:
468:
463:
426:
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376:
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356:
354:Prosper Ratings
343:
315:Omidyar Network
291:Sequoia Capital
248:price discovery
219:
195:www.prosper.com
183:
164:
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126:
88:
78:
71:
17:
12:
11:
5:
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1547:
1542:
1540:LandlordInvest
1537:
1532:
1530:Funding Circle
1527:
1522:
1517:
1512:
1510:Assetz Capital
1507:
1501:
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1279:External links
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903:on 2 July 2015
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689:on 2009-04-02.
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1555:Lending Works
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1285:Official Site
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1264:. 11 May 2018
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1089:on 2010-07-21
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760:on 2015-09-06
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534:Legal matters
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524:
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491:
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472:
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443:12.00–14.99%
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81:United States
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23:
1647:
1550:LendingCrowd
1375:
1266:. Retrieved
1261:
1252:
1240:. Retrieved
1228:
1218:
1206:. Retrieved
1202:
1192:
1180:. Retrieved
1170:
1158:. Retrieved
1149:
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1114:
1103:
1091:. Retrieved
1087:the original
1062:
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1018:
1006:. Retrieved
995:
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960:. Retrieved
951:
934:
917:
905:. Retrieved
901:the original
896:
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875:. Retrieved
866:
854:. Retrieved
847:the original
834:
820:
786:. Retrieved
762:. Retrieved
758:the original
731:
718:
708:25 September
706:. Retrieved
695:
687:the original
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456:
435:9.00–11.99%
357:
344:
331:Eric Schmidt
303:DAG Ventures
279:Chris Larsen
276:
272:
268:
264:microfinance
260:microlending
253:
236:
232:
220:
202:
201:
166:Total assets
66:Headquarters
34:Company type
1626:New Zealand
1366:LendingClub
1356:Cross River
1197:Levy, Ari.
488:Wells Fargo
409:6.00–8.99%
401:4.00–5.99%
393:2.00–3.99%
385:0.00–1.99%
335:Capital One
122:Credit Card
77:Area served
1668:Categories
1612:SocietyOne
1545:LendInvest
1268:2018-05-11
1093:2010-08-13
764:2010-01-24
655:References
243:prospectus
149:Net income
87:Key people
1605:Australia
1525:Folk2Folk
1515:BondMason
1450:Singapore
1330:Companies
1237:0362-4331
520:In 2022,
287:BlackRock
93:Ron Suber
1654:Category
1633:Harmoney
1575:Unbolted
1570:ThinCats
1431:Dianrong
1371:Peerform
1337:Americas
1008:28 April
877:16 April
856:16 April
810:Archived
643:See also
451:15.00%+
321:founder
217:Overview
100:Products
44:Industry
1598:Oceania
1535:Landbay
1484:Lendico
1477:Germany
1404:Zidisha
1389:Upstart
420:Prosper
370:Prosper
191:Website
131:Revenue
58:Founded
38:Private
1470:Europe
1242:1 July
1235:
1208:1 July
1182:1 July
1160:1 July
962:4 July
907:1 July
788:4 July
528:Forbes
523:Forbes
457:
422:rating
372:rating
327:Google
283:E-loan
1520:EdAid
1436:Lufax
1424:China
943:(PDF)
926:(PDF)
850:(PDF)
843:(PDF)
205:is a
1617:Wisr
1585:Zopa
1417:Asia
1381:SoFi
1361:Kiva
1244:2015
1233:ISSN
1210:2015
1184:2015
1162:2015
1010:2009
964:2015
909:2015
879:2011
858:2011
790:2015
710:2009
348:FICO
319:eBay
262:and
140:US$
186:404
1670::
1498:UK
1260:.
1231:.
1227:.
1201:.
1074:^
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798:^
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448:HR
382:AA
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911:.
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860:.
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767:.
712:.
670:.
440:E
432:D
406:C
398:B
390:A
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