Institutional Relations

AT A GLANCE (Download PDF)

Prosper is America's first Peer-to-Peer lending platform.

Pros per's technology platform provides an exciting opportunity for asset managers, hedge funds, family offices and other institutions interested in earning a great return through peer-to-peer lending.

Peer-to-Peer Lending: An Alternative Asset Class

As credit markets experience unprecedented changes, institutional lenders can use Prosper to diversify portfolio returns without the complexity and fees associated with structured products.

At Prosper the data transparency gives registered lenders the ability to create powerful models and algorithmic trading tools. A peer-to-peer loan portfolio is not correlated to stock or bond returns. In turbulent markets, portfolio diversification is crucial for prudent portfolio management.

Entering the Peer-to-Peer Marketplace is Positioning for Growth

Consumer credit is a $2.5 trillion dollar industry. As peer-to peer lending continues to gain market share, firms who understand the peer-to-peer market will capitalize on future growth.

Data Transparency & Technology

Prosper provides unbiased access to our borrower's credit data. This revolutionary transparency with consumer lending enables lenders to quantify and calculate an appropriate risk-adjusted return based on historical loan repayment performance on Prosper loans. Institutions can connect electronically with our API interface to analyze listing data and apply program trading modules. Third party developments in enterprise software help large institutions manage a peer-to-peer portfolio.

Prosper was built to provide borrowers and lenders with complete data transparency. Registered lenders have access to many levels of consumer credit data, including:

Credit Grade based on Experian	Bankcard Utilization rate
DTI Ratio	Employment Status
Homeowner status	Length of employment status
Delinquency data	Occupation
Credit inquiries	Income range
Credit Lines	Prosper loan history

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According to Senator Obama, from CEOs to shareholders, from financiers to factory worker, we all have a state in each other's Success because the more Americans Prosper, the more America Prospers.