Marketplace Lending Industry Compendium
[Updated on: April 11, 2017]
The following is a compendium demonstrating the penetration of Marketplace Lending. There are many different platforms that specialize in specific industries, such as, Small Business Ventures, Real Estate Refinancing, Factoring or Invoicing Payment, Education Refinancing, Medical Financing, Automotive Financing and Consumer Debt Consolidation.
This Marketplace is growing constantly so let us know if you’ve discovered any new platforms.
Name |
Category |
Sub-category |
Specialty |
Country |
Funding Round |
Claim / Description |
|---|---|---|---|---|---|---|
| Able Lending | Platform | Small Business Credit | Friends & family small business lending | US | Jul, 2013 | Small business loans with the help of your friends & family. |
| Achieve Lending | Platform | Education Credit | Private student loans | US | Jul, 2014 | The Easiest Way to Get Personal Financing Don’t waste more time searching for the perfect loan opportunity. Find the best loans available in just 30 seconds. |
| Afluenta | Platform | Consumer Credit | Personal loans in Latin America | AR | Jul, 2011 | Afluenta promotes the flow of money to the generation of wealth among its members. |
| altLINE by The Southern Bank Company | Platform | Factoring Credit | Bank Partner for Accounts Receivable Lending | US | 2012 | Providing smart, affordable alternatives to a traditional line of credit. Accelerating your cash flow and helping you get back to running your business. |
| ApplePie Capital | Platform | Small Business Credit | Franchise Financing | US | Jul, 2014 | Offers qualified investors fixed income investment opportunities in high-quality franchise businesses. |
| Argon | Platform | Consumer Credit | Personal financing | US | Apr, 2014 | We make affordable loans. Credit you deserve, when you need it. You are more that just a credit score! |
| AssetAvenue | Platform | Real Estate Credit | Short-term real estate loans | US | Jun, 2014 | Flexible underwriting and a diverse investor base to get your loan funded fast. |
| Assetz Capital | Platform | Small Business Credit | Personal loans | GB | Apr, 2015 | Assetz Capital, we seek to reduce this risk to our investors by taking asset security on every loan. |
| Auction.com | Platform | Real Estate Credit | Real estate marketplace | US | Aug, 2012 | Auction.com is the nation’s leading online real estate marketplace, having sold more than $30+ billion in residential and commercial assets. |
| auxmoney | Platform | Consumer Credit | Alternative bank loans in Germany | DE | Mar, 2013 | Before you decide to go to the bank go to auxmoney! Revolutionizing the credit system in Germany. |
| Avant | Platform | Consumer Credit | Consolidate debt, unexpected events | US | May, 2013 | Over 200,000 people have experienced the convenience of personal loans through Avant. |
| BayViewFunding | Platform | Factoring Credit | Invoice factoring loans | US | 1985 | Our mission is to provide reliable, quality accounts receivable factoring services to businesses across America. |
| Behalf | Platform | Small Business Credit | Pays your vendors | US | Sep, 2013 | Run your business, with the capital you need. As you pay us back, we’ll have your back – with more capital and longer terms – so that you can keep that growth going. |
| Best Egg | Platform | Consumer Credit | Credit card consolidation | US | Mar, 2014 | Fixed prices. Fixed payments. A clear and simple path to financial freedom. |
| Biz2Credit | Platform | Small Business Credit | Small business loans | US | Dec, 2014 | Our mission is to provide small businesses with the best lending solutions throughout their lifecycle in a flexible and transparent environment. |
| Blackhawk | Platform | Real Estate Credit | Direct lender to borrower real estate loans | US | Nov, 2012 | Blackhawk enables real estate borrowers and lenders to connect directly. Peer-to-peer real estate lending is asset-backed; and the ideal alternative to traditional bank qualifiers and other investing options. |
| Black Hawk Funding | Platform | Real Estate Credit | Investment opportunities | US | 2012 | Black Hawk Funding serves mainly as the origination arm for both our in-house funds we do the majority of our lending from. |
| BlueYield | Platform | Automotive Credit | Automotive loans | US | Oct, 2013 | BlueYield facilitates an automotive financial community that serves the interests of lenders, lead sources, affinity groups and consumers. |
| Bolstr | Platform | Small Business Credit | Small business loans | US | Mar, 2013 | Bolstr is a marketplace where emerging consumer, retail, and manufacturing businesses can raise funding for expansion from real investors. |
| Bond Street | Platform | Small Business Credit | Financing for small businesses | US | Feb, 2014 | Bond Street is transforming small business lending through technology, data and design. |
| Bondora by Isepankur | Platform | Consumer Credit | Estonian personal loans – throughout Europe | EE | Aug, 2009 | Bondora is an online platform for fixed-income investments in European personal loans. |
| Borro | Platform | Consumer Credit | Luxury asset lending | US | Oct, 2008 | Borro is the leading online platform for luxury asset lending. Our lending is fast, private and smart. |
| Borrowell | Platform | Consumer Credit | Canadian personal loans | CA | Dec, 2014 | Borrowing for Canadians just got smarter.Low, fixed-rate personal loans. |
| BorrowersFirst | Platform | Consumer Credit | Giving Borrower’s a loan | US | May, 2014 | BorrowersFirst is a bold, much needed approach—a movement that puts borrowers first. |
| CAN Capital | Platform | Small Business Credit | Small business loans and advances | US | Feb, 2011 | CAN Capital offers access to two products to help finance your business needs. |
| Capital Match | Platform | Small Business Credit | Loans for SMEs in Southeast Asia | SG | Jan, 2014 | Capital Match is a peer-to-peer lending online marketplace for SMEs in Singapore. We provide SMEs with affordable working capital from professional investors through an online platform. |
| CapitalSource | Platform | Small Business Credit | Commercial Financing and Loans | US | Jul, 2013 | CapitalSource emphasizes specialty lending across a diverse group of markets; we make cash flow, and real estate loans, providing working capital and funds to revitalize businesses across the country. |
| Cashare | Platform | Consumer Credit | Providing loans for personal usage and SMEs in Switzerland | CH | Jan, 2008 | Put in Crowd Lending, P2P Lending and Social Lending to the pioneers and benefit from the most innovative Crowd lending platform in Switzerland – fully automated and with attractive opportunities for credit seekers and investors. |
| CommonBond | Platform | Education Credit | Lowering the cost of Student loans | US | Nov, 2012 | We believe student loans should help you drive your success, not hinder it. So we’ve created a new way to access student loans without the headache, the hassle, or the huge rates. |
| Comunitae | Platform | Consumer Credit | Personal loan provider in Spain | ES | Jul, 2009 | Comunitae is a peer-to-peer (P2P) lending model serving the Spanish community. |
| Credibility Capital | Platform | Small Business Credit | 2 year Small Business loans | US | Apr, 2015 | Credibility Capital is a marketplace lender focused on prime credit small business borrowers. |
| Credible | Platform | Education Credit | Student loans in comparison | US | Feb, 2014 | The smart, simple way to save on your student loans Find private student loans for school or save thousands by refinancing your student debt. |
| Crowdestates | Platform | Real Estate Credit | Property loans in the UK | GB | Sep, 2014 | Crowdestates was set up to help property developers get access to funding for their projects and to help savers get a better return on their money. |
| Cumulus Funding | Platform | Consumer Credit | Flexible, consumer-friendly options | US | Dec, 2012 | We can provide funds for virtually any purpose. Our Income Share Agreement product helps you achieve your financial goals. |
| Daric | Platform | Consumer Credit | Consolidate Debt and Small Business | US | Jan, 2012 | We connect borrowers and investors through technology, and manage the underwriting process with powerful software algorithms. Savings are passed directly to participants, decreasing the rates borrowers pay while maximizing what lenders can earn. |
| DealStruck | Platform | Small Business Credit | Traditional banking with simpler packages | US | Jan, 2012 | Dealstruck provides multiple business loan options to help small businesses grow. |
| DentalEquities | Platform | Medical Credit | Dental professional loans | US | Mar, 2014 | Dental Equities® is a decentralized peer to peer platform where dental professionals unite administratively, academically, and financially for the benefit of patients and the dental professional. |
| DirectMoney | Platform | Consumer Credit | Personal loans in AU | AU | July, 2015 | DirectMoney brings together borrowers and lenders through web-based technology to offer a more attractive interest rate than banks and to deliver Australians better financial choice and improved investment outcomes. |
| DonJoy | Platform | Consumer Credit | Loans to consolidate individual debt in South Korea | KR | 2006 | According to unverified information published by a company representative, Donjoy is in operation since 2005 and allows interest rates of up to 66 percent. |
| DriverUp | Platform | Automotive Credit | Auto loans in the US | US | Feb, 2015 | DriverUp is an online marketplace built exclusively for automotive financing. DriverUp is powered by Sierra Auto Finance, a nationally recognized specialty auto finance company. |
| EarlyShares | Platform | Real Estate Credit | Loans for assets and real estate | US | Aug, 2012 | EarlyShares is the trusted platform that gives accredited investors direct access to private opportunities. |
| Earnest | Platform | Consumer Credit | Student loan refinancing | US | May, 2014 | We believe financially responsible people deserve something better. That is why we strive to eliminate unnecessary costs from the system and offer our clients the lowest possible rates. |
| eLoan | Platform | Consumer Credit | Refinancing for everyday needs | US | Sep, 1998 | Whether you’re looking for a home mortgage loan, refinancing, personal loan, auto loan, savings and investment product, or other services like debt consolidation, E-LOAN can help. |
| Estateguru | Platform | Real Estate Credit | Real estate loans in Estonia | EE | Feb, 2014 | Estate Guru breaks that barrier – now all of us can grow all our assets, regardless of how much you have knowledge, information or wealth. |
| Ethos Lending | Platform | Real Estate Credit | Home mortgage loans | US | May, 2014 | Ethos Lending is a private, residential lending company headquartered in San Francisco, California. |
| FairCent | Platform | Consumer Credit | Marketplace for Resident Indians | IN | Jan, 2015 | Faircent is a Marketplace where potential lenders and borrowers can register and then interact amongst themselves to strike deals on lending and borrowing. |
| FastPay | Platform | Factoring Credit | Entertainment and media loans | US | Sep, 2009 | FastPay provides liquidity and financial workflow solutions to the media industry. We can dynamically assess the creditworthiness of media businesses and provide loans in real-time. |
| Financeit | Platform | Small Business Credit | Canada’s fastest growing consumer lender | CA | May, 2007 | Financeit gives you the tools and support you need to start offering your customers powerful financing options. More ways to buy means bigger sales for your business. |
| Finansowo.pl | Platform | Consumer Credit | Direct loans for social lending in Poland | PL | Oct, 2008 | Service Finansowo.pl is a project introducing to the Polish market the idea of “social lending” or social loans. Basically, our service allows lending between individuals without the mediation of banks – offering customers the speed, simplicity and convenience. |
| Finexkap | Platform | Factoring Credit | Invoicing credit while you wait for payment | FR | Jul, 2013 | Strengthen your cash, and if you receive payment of your invoices in 48 hours instead of 45 days? Finexkap offers a tool to sell your invoices awaiting payment. |
| Fixura | Platform | Consumer Credit | Personal loans in Finland | FI | Nov, 2014 | The leading Nordic and Finland´s biggest site for peer-to-peer loans. |
| Float | Platform | Consumer Credit | Provide the world’s safest credit | US | 2011 | Float was founded in 2011 in Lexington, KY with the goal of solving the enormous problems in consumer credit. |
| Folk2Folk | Platform | Consumer Credit | Local secure lending in the UK | GB | 2013 | Folk2Folk offers simple, straightforward, local lending and borrowing. We are not a Bank, Brokerage, seller of financial products, Deposit Taker, Fund Manager, or Adviser to any party. We organise the secured lending of money between local folk without the involvement of City institutions. |
| Fora Financial | Platform | Small Business Credit | Small Business loans and merchant funding | US | Oct, 2015 | With Fora Financial, clients don’t need to jump through hoops trying to get a bank-issued small business loan. Instead, our simple application process requires only a few bank statements, rather than extensive paperwork and complex financial information. |
| Fundation | Platform | Small Business Credit | Quick turnaround small business loans | US | Mar, 2013 | We are a direct lender that originates every loan. It’s a partnership, with you as the borrower and with us as the lender. That’s why we’re dedicated to building long-term relationships with our customers. |
| FundBox | Platform | Small Business Credit | Resolves small business cash flow gaps | US | Apr, 2014 | Fundbox offers business owners a simple way to fix their cash flow by advancing payments for their outstanding invoices. |
| Fundera | Platform | Small Business Credit | Small Business loan financing safely | US | Jan, 2014 | Fundera is the easiest way to shop and save on a small business loan. In just the past year, we’ve helped hundreds of businesses get millions of dollars in financing quickly and safely. |
| Funding Circle | Platform | Small Business Credit | Small Business Loans in the UK and the US | GB/US | Feb, 2010 | Funding Circle is the world’s leading marketplace lender exclusively focused on small business. |
| Funding Empire | Platform | Small Business Credit | Small Business loans for business owners | GB | Oct, 2013 | Funding Empire is Wales’ first Crowdfunding platform. It was developed to combat the problem businesses face in getting funding from banks whilst also trying to provide savers, (lenders), with a better return than they currently get on their money in a savings account. |
| Funding Wonder | Platform | Small Business Credit | Loans for established small businesses | US | Jan, 2014 | We are a lending community that helps qualified neighborhood businesses borrow money at low cost quickly and private investors get better returns. |
| FundingKnight | Platform | Small Business Credit | Peer to Business loans in the UK | GB | Jul, 2013 | We help Lenders invest directly into British Businesses |
| Fundrise | Platform | Real Estate Credit | Leading real estate capital marketplace | US | Jan, 2011 | Fundrise gives you access to investment opportunities from the best real estate companies in the country, all through one simple, transparent platform. |
| FundThrough | Platform | Business Credit | Business loans by businesses in Canada | CA | Feb, 2015 | At FundThrough, our mission is to help growing, successful entrepreneurs build their businesses even more quickly. We do this by providing lines of credit when others won’t. |
| Green Loans | Platform | Consumer Credit | Loans for debt consolidation and cash advances | US | 2010 | With over 1.5 million members and $1,000,000,000+ in personal loans already funded, we are partnered with the leading personal loan marketplaces on the planet. |
| GreenNote | Platform | Education Credit | Money for college from people who believe in others | US | Oct, 2007 | GreenNote was created to help students achieve their higher education dreams by empowering social networks for financial support to bridge the gaps not covered by traditional lending methods. |
| GroundBreaker | Platform | Real Estate Credit | Real estate venture launchpad to help entrepreneurs | US | Sep, 2013 | GroundBreaker is a disintermediated marketplace for real estate investments. At GroundBreaker, sponsors can connect directly with investors without using a middleman. |
| GroundFloor | Platform | Real Estate Credit | Real estate microlending | US | Oct, 2013 | GroundFloor is the first microlending community for real estate. |
| Grouplend | Platform | Consumer Credit | Personal loans in Canada | CA | Aug, 2014 | Grouplend uses technology and data-driven systems to give responsible Canadians a much better way to borrow. They operate completely online, which lowers the cost of borrowing, and greatly enhances the speed and convenience of service. (Since Nov, 2015, Grouplend has repositioned themselves as Grow Financial – not to be confused with the US credit union.) |
| Harmoney | Platform | Consumer Credit | Personal loans in New Zealand | NZ | Jan, 2015 | Harmoney is New Zealand’s first licensed peer to peer lending platform, where smart borrowers and investors meet to get a better deal on personal loans. |
| Harper Partners | Platform | Factoring Credit | Invoice factoring for startups or small businesses | US | Jul, 2015 | Harper Partners provides accounts receivable financing (also called invoice factoring) for hardware and software companies, agencies, publishers and many other types of businesses. |
| i-lend.in | Platform | Consumer Credit | Personal loans in India | IN | Aug, 2012 | i-lend, India’s first and leading online peer-to-peer platform, connects borrowers who are in need of money to investors who are ready to invest. |
| iFunding | Platform | Real Estate Credit | Real estate loans | US | Jul, 2014 | Revolutionizing real estate investing. Receive real estate debt or preferred equity financing. Institutional investors syndicate your deals. |
| IOU Financial | Platform | Small Business Credit | Small Business Lending | US | Apr, 2011 | IOU Financial provides successful small businesses access to the capital they need to seize growth opportunities quickly. |
| Kabbage | Platform | Small Business Credit | Small Business capital | US | Apr, 2010 | Kabbage gives you the security of working capital whenever you need it. Draw against your line of credit, as often as once a day, for anything you need to grow your business. Unlike traditional lenders, we approve small business loans by looking at real-life data, not just a credit score. |
| Karrot | Platform | Consumer Credit | Personal loans | US | Sep, 2014 | Karrot, we offer not only the simplest and fastest, but affordable personal loans with industry leading customer service. |
| kickpay | Platform | Factoring Credit | Buys invoices | US | Dec, 2014 | We think supply chain finance is broken. We don’t think small and medium businesses should have to finance their bigger customers operations. We think it’s the investors’ job to finance and the businesses’ job to create and innovate. |
| Kilowatt Financial | Platform | Energy Credit | Credit for Clean Energy endeavors | US | Jan, 2014 | Kilowatt Financial makes clean energy accessible and affordable for more homeowners throughout the United States. |
| Kiva | Platform | Non-Profit Credit | Personal loans with no interest for people in poverty | Global | Aug, 2010 | We are a non-profit organization with a mission to connect people through lending to alleviate poverty. Leveraging the internet and a worldwide network of microfinance institutions, Kiva lets individuals lend as little as $25 to help create opportunity around the world. |
| Kokos | Platform | Consumer Credit | Cash loans and currency exchange in Poland | PL | Feb, 2008 | Kokos.pl is a social networking site that connects people who need money with people who want to invest and lend. |
| Landbay | Platform | Real Estate Credit | Real estate loans in the UK | GB | Jan, 2014 | Founded by John Goodall and Gray Stern, Landbay is a peer-to-peer lending company where your money is always secured over a portfolio of tenanted British homes. |
| Lend2Fund | Platform | Real Estate Credit | Commerical real estate loans in Australia | AU | Aug, 2014 | Marketplace lending, direct deals between investors and borrowers. Professional investors only, higher yields -secured lending- greater deal flow. Refinance at lower rates, alternative to bank finance. |
| Lenda | Platform | Real Estate Credit | Home refinancing | US | Feb, 2013 | Lenda is the easiest way to refinance your home loan online. Save time and money with our simple and secure online process. |
| Lendable | Platform | Consumer Credit | Peer lending in UK | GB | Dec, 2014 | Using technology, we have trimmed the fat from the traditional loan application process. The result allows us to make an instant decision, offer personalised rates, and transfer funds within minutes. |
| Lendico | Platform | Consumer Credit | Global personal loans | Europe | Dec, 2013 | Lendico is a transparent marketplace for loans. By connecting private borrowers and investors we avoid the excessive costs of traditional banking. |
| Lendify | Platform | Consumer Credit | Personal loans in Sweden | SE | Feb, 2014 | Lendify is a marketplace for loans between private individuals. |
| Lending Club | Platform | Consumer Credit | Non-collaterized, Credit card refinancing | US | May, 2007 | And the savings are passed right through to our customers. Lendico does a strict quality control of all borrower projects and coordinates all payment transactions on top. |
| Lending Crowd | Platform | Small Business Credit | Small business loans in UK | GB | Nov, 2014 | To offer businesses keener loan rates and investors better returns, by providing an easy to use online service that brings interested parties together – hence the LendingCrowd. |
| Lending Works | Platform | Consumer Credit | Personal loans in the UK | GB | Jan, 2014 | Lending Works is a peer-to-peer lending platform which matches shrewd lenders with creditworthy personal loan borrowers, so both receive a much better deal. |
| LendingHome | Platform | Real Estate Credit | Home mortgage loans | US | Aug, 2014 | LendingHome is the world’s leading mortgage marketplace. |
| LendingPost | Platform | Small Business Credit | Small business loans in Australia | AU | Jan, 2013 | LendingPost was founded to provide alternative funding options to businesses being starved of finance by the big four banks. |
| LendingStar | Platform | Small Business Credit | Small business loans in Ukraine & Malaysia | UA/US/MY | Jan, 2014 | Your small business financing. Peer-to-peer lending marketplace for smart business. |
| LendingTree | Platform | Consumer Credit | Loans for all personal reasons | US | Dec, 2014 | LendingTree is the nation’s leading online loan marketplace with the industry’s largest network of lenders. Our service provides consumers a way to connect with multiple lenders for a number of financial borrowing needs. |
| LendInvest | Platform | Real Estate Credit | UK Mortgage Lending | GB | Nov, 2013 | LendInvest are creating a process that is easy to understand for borrowers, and a platform that gives everyday investors the ability to invest in a mortgage. Up until now, investing in a mortgage has been the exclusive domain or large institutions and hedge funds – LendInvest changes this. |
| Lendio | Platform | Small Business Credit | Small Business Loans | US | Feb, 2011 | Small business loans made simple. See your loan options in just minutes. |
| LendKey | Platform | Education Credit | Student loans and auto/home loans | US | Oct, 2007 | LendKey’s innovative technology matches consumers with community banks and credit unions to create the most transparent, accessible and low-cost borrowing options in online lending. |
| LendStreet | Platform | Consumer Credit | Refinancing old debt | US | Dec, 2014 | LendStreet is a lending platform helping borrowers refinance old debt and rebuild their financial lives. |
| LendUp | Platform | Consumer Credit | Short term credit in place of pay day loans | US | Apr, 2012 | LendUp offers loans with declining rates, free education, and the opportunity to build credit. |
| Lendza | Platform | Small Business Credit | Small business loans online | US | 2015 | Lendza is the place where you learn about small business funding, so you’ll be ready to pick out the right financial product, use the money efficiently, and pay it off on time. |
| LiftForward, Inc | Platform | Small Business Credit | Small Business and Franchise Loans | US | Aug, 2014 | Small business loans. Finance what your business needs, when you need it. |
| Lighter Capital | Platform | Small Business Credit | RevenueLoan | US | Jul, 2010 | Our RevenueLoans are structured so our return depends on your company’s performance. |
| LoanClubUSA | Platform | Consumer Credit | Personal Loans | US | May, 2007 | LoanClubUSA is dedicated to providing the best experience for borrowers and investors alike. We are dedicated to complete transparency and are proud to provide an exceptional customer service experience. LoanClubUSA only works with accredited investors and institutional investors. |
| LoanHero | Platform | Consumer Credit | Personal Loans | US | Jul, 2014 | By bringing marketplace lending to the point of sale, LoanHero provides better financing options for consumers purchasing goods and services including furniture, home improvement, auto repair, and elective healthcare. |
| LoanNow | Platform | Consumer Credit | Payday loans of the like | US | Jan, 2014 | LoanNow is proud to set a new standard for the lending industry. We look at the entire person, not just their credit score, with loans tailored to every credit situation. |
| lubbus | Platform | Consumer Credit | P2P lending in Spain where the motto is you’re your own bank | ES | 2008 | In lubbus the bank is you have created a platform with all the necessary tools to connect people who have savings and who want to return up to 20%, with people who need money at a very low cost and with interest below half of banks. |
| Mainspring Funding | Platform | Small Business Credit | Small business lending | US | Feb, 2015 | Mainspring Funding is the origination and distribution platform for our specialty finance portfolio companies and products. To date, we have focused primarily on developing origination capabilities in the small business lending space. |
| maneo | Platform | Small Business Credit | Small business lending in Japan to promote economy growth | JP | Apr, 2007 | “In business who have the passion, and the provision of infrastructure which investors can invest with confidence” |
| MarketInvoice | Platform | Factoring Credit | Buys invoices so you can stay accountable | GB | Oct, 2010 | The UK Government is buying invoices on MarketInvoice through its fully owned British Business Bank. |
| Merchant Cash & Capital | Platform | Small Business Credit | Small Business lending | US | Mar, 2014 | Merchant Cash and Capital: a business founded on integrity and transparency – from the inside out. |
| Milaap | Platform | Non-Profit Credit | Fundraising to empower people | IN | Jun, 2010 | We are changing the way people fund and impact commmunities in need. We look to inspire you to do the most and create a lasting impact, the way you have always wanted to. |
| Mintos | Platform | Consumer Credit | Personal loans within Latvia | LV | May, 2015 | Mintos is a new peer-to-peer lending marketplace in Latvia. Recently expanding to Estonia and Lithuania. |
| Money360 | Platform | Real Estate Credit | Commercial business loans | US | Jan, 2014 | Money360 is a revolutionary online marketplace for commercial real estate loans. |
| Money Auction | Platform | Consumer Credit | Providing microcredit, consolidating debt and peronal business loans in South Korea | KR | Aug, 2006 | Money Auction provides a platform where the nation’s first capital of 2.97 billion won on a platform, it is the company’s largest transaction volume. |
| Mosaic | Platform | Energy Credit | Solar Energy Investing and Loans | US | May, 2012 | Mosaic is a place to grow your money by investing in clean energy infrastructure. |
| Mulligan Funding | Platform | Small Business Credit | Working capital loans for small businesses | US | 2008 | Mulligan Funding offers a variety of business funding options and a level of service that traditional banks are simply incapable of providing. |
| MYC4 | Platform | Non-Profit Credit | Lending to small business in Africa | DK/KE | 2013 | MYC4 is an internet marketplace where you and investors from around the world can lend money directly to entrepreneurs who are doing business in Africa and create growth together with them. |
| Noesis | Platform | Energy Credit | Financing energy efficiency projects | US | Nov, 2011 | Lending to Make Buildings Better Commercial building owners want to say ‘yes’ to efficiency improvements and generate incremental cash flow, but most say ‘no’ because they lack the information and budget to make these equipment investments. Noesis is here to help. |
| OnDeck | Platform | Small Business Credit | Small Business Loans in US and Canada | US/CA | Jan, 2006 | We’re making waves in the world of small business. |
| Open Energy Group | Platform | Energy Credit | Energy Loans to help build a renewable energy | US | Jun, 2014 | We offer accredited investors direct access to higher return, lower risk, fixed income products by directly funding the construction and operation of commercial renewable energy power projects in the US. |
| P2B Investor | Platform | Small Business Credit | Loans for small and medium sized businesses | US | Aug, 2012 | P2Binvestor’s crowdfunded business loans are designed to bridge the wide gap between hard-to-get bank financing and expensive alternative lending sources. |
| Patch of Land | Platform | Real Estate Credit | Real estate loans to help repair communities | US | Sep, 2013 | Patch of Land is crowdfunding real estate through its P2RE (peer-to-peer) online marketplace offering various typologies of secured real estate debt on assets backed by first position liens and personal guarantees. |
| Pat Loans (Credit Pat) | Platform | Consumer Credit | Personal loans to improve life and production of living in China | CN | Oct, 2012 | Credit pat Founded in June 2007, the company called the “Shanghai pat Credit Financial Information Service Co., Ltd.”, is headquartered in Shanghai an international financial center, it is China’s first P2P (person to person) network credit lending platform. |
| Pave | Platform | Consumer Credit | Personal loans at an affordable rate | US | Apr, 2014 | Funding so you can make it happen. We reinvented the traditional loan for our generation. |
| Pawngo | Platform | Consumer Credit | Pawn your items for cash assets | US | Jun, 2011 | Those looking for a short-term, low-interest loan now have an ally in PawnGo.com: a new digital venture formed by the financial backers of popular group purchasing website Groupon. |
| Payoff | Platform | Consumer Credit | Credit card and debt consolidation | US | Apr, 2010 | Payoff is a next generation financial services company, designing products that help people pay off their credit cards faster and save money. |
| PeerForm | Platform | Consumer Credit | Personal loans | US | Jan, 2011 | Peerform is not a bank, we do not incur the overhead costs associated with formal lending institutions. These savings can be passed on to our borrowing and lending clients in a transparent way. Hidden fees or out-of-the-blue charges will never be a part of our approach. |
| Peer Lending Network | Platform | Consumer Credit | Consolidate debt and repair credit | US | 2008 | The Peer Lending Network is dedicated to educating consumers about the peer-to-peer lending process, directing consumers to the industries best peer-to-peer lending companies. The loans are all unsecured meaning, they don’t require collateral. Their preferred partner is Prosper Marketplace. |
| PeerStreet | Platform | Real Estate Credit | Difficult to access real estate loans | US | Nov, 2014 | PeerStreet’s simple, secure platform connects qualified investors to high yielding real estate loans. |
| Plum Lending | Platform | Real Estate Credit | Commerical real estate loans | US | Apr, 2014 | Plum is a marketplace lender revolutionizing commercial real estate lending by providing a simple application, a streamlined online experience, and a faster and more transparent approval process versus traditional banks and institutions. |
| Pop Funding | Platform | Education Credit | Providing student loans to everyone in the education division in South Korea | KR | 2008 | Pop Funding is changing the way internet fundraising is to improve our daily live and economic activities. We are willing acknowledge others in their areas of expertise with two-way information exchange. |
| Prêt d’Union | Platform | Consumer Credit | Personal loans in France | FR | May, 2010 | The company offers the only consumer credit and does not offer revolving credit (or revolving credit ), or mortgage or business creation |
| Prodigy Finance | Platform | Education Credit | International Postgraduate Loan Financing | GB | Oct, 2014 | Our innovative model offers loans to international postgraduate students at leading business schools. Through our community platform, alumni and other investors earn competitive returns, while students gain access to higher education they otherwise could not afford. |
| Prodigy Network | Platform | Real Estate Credit | Funding in real estate assets in the US and parts of Latin America | US/CO/UY | 2013 | Prodigy Network is committed to giving accredited investors access to what we believe are prime real estate assets in Manhattan, which were previously accessible to only institutions and ultra-high net worth individuals. Through our secure investing portal you can buy into what we believe is this country’s greatest asset. |
| Proplend | Platform | Real Estate Credit | Commercial property loans in the UK | GB | Apr, 2015 | Proplend is an online marketplace for secured commercial mortgages, where all the loans are supported by a registered legal first charge on an income producing commercial property. |
| Prosper | Platform | Consumer Credit | Debt consolidation and personal loans | US | Apr, 2005 | Prosper is America’s first peer-to-peer lending marketplace, with more than 2 million members and over $2,000,000,000 in funded loans. Prosper allows people to invest in each other in a way that is financially and socially rewarding. |
| QuarterSpot | Platform | Small Business Credit | Small business loans | US | Jun, 2013 | As a small business lender, our goal is to help businesses thrive with quick and affordable funding with terms you find attractive. |
| RapidAdvance | Platform | Small Business Credit | Loans for small business and merchant cash advances | US | Apr, 2011 | Our mission is clear – providing America’s small business owners with working capital to grow and thrive. |
| RateSetter | Platform | Consumer Credit | Personal loans in UK and Australia | GB/AU | Jul, 2014 | Make Today Pay with RateSetter, the UK’s largest P2P lending platform. |
| RealCrowd | Platform | Real Estate Credit | Commercial real estate loans | US | Mar, 2013 | Get more from your investment dollars. Find, evaluate and invest in the most exclusive real estate opportunities. |
| Realty Mogul | Platform | Real Estate Credit | Real estate financing | US | Oct, 2012 | Finance your real estate transactions. Online. |
| RealtyShares | Platform | Real Estate Credit | Private real estate loans | US | Jun, 2013 | Provide investors diversification through high-quality private real estate investments. |
| Reamerge | Platform | Real Estate Credit | Real estate loans | US | Nov, 2014 | Real returns, Emerging enterprises. Join thousands of other investors and fund business loans secured with real estate. |
| Rebirth Financial | Platform | Small Business Credit | Small business loans | US | Feb, 2011 | Based in New Orleans, after the market crash two students from Tulane created this company out of necessity. |
| Relendex | Platform | Consumer Credit | Personal loans in UK | GB | Jan, 2014 | Relendex is primarily a marketplace for investors seeking a low risk environment that produces higher returns than banks, -secured lending against commercial and residential properties in many cases producing income from tenants. |
| Renovate America | Platform | Energy Credit | Energy Efficient loans | US | Jul, 2014 | Realizing the promise of an energy efficient future, Renovate America is revolutionizing the way people adopt efficient home energy products. |
| Sancus | Platform | Consumer Credit | Secured Peer loans in France | FR | Oct, 2014 | Sancus Limited is a Peer-to-Peer (P2P) secured lender with significant permanent capital. The business concentrates on traditional P2P transactions and focuses on working with entrepreneurs and businesses. |
| Sharestates | Platform | Real Estate Credit | Real estate loans | US | May, 2015 | At Sharestates, we offer investors direct access to real estate investments through our online marketplace – with net annualized returns between 10-20%. |
| Smava | Platform | Consumer Credit | Online installment loans in Germany | DE | Apr, 2015 | Smava is Germany’s biggest online comparison portal for installment loans, on which each participant receives the credit online loan with the best terms from a wide selection. |
| Snap Capital | Platform | Small Business Credit | Small business loans for those not approved for SBAs | US | May, 2013 | SnapCap is helping lead a revolution in hybrid finance, focusing less on a business owner’s credit score and more on the health of their business. |
| SocietyOne | Platform | Consumer Credit | Australian Personal Loans | AU | Mar, 2014 | SocietyOne is Australia’s most established Peer-to-Peer lending platform. We’re an online financial community where investors and borrowers can connect to get great deals. |
| SoFi | Platform | Education Credit | Education loan refinancing | US | Sep, 2011 | SoFi is a leading marketplace lender focused on accelerating your success, with student loan refinancing, mortgages, mortgage refinancing, and personal loans. |
| Spotloan | Platform | Consumer Credit | Installment loans in place of payday loans | US | 2014 | Spotloan is a better way to borrow extra cash. It’s not a payday loan. It’s an installment loan which mean you pay down the principal with each on time payment. |
| Square Cash | Platform | Small Business Credit | Low processing fee cash transfer | US | Aug, 2014 | Choose a $Cashtag and share a link to your free cash.me profile to get paid by a friend or family member in a snap. |
| Street Shares | Platform | Small Business Credit | Small business loans | US | May, 2014 | On the StreetShares marketplace, small business owners can tell their story directly to investors. They pitch their business and retail and institutional investors place bids to fund a portion of their loan. |
| The Credit Junction | Platform | Small Business Credit | Small business loans to help supply chain | US | Sep, 2014 | The Credit Junction is a technology-enabled online lending platform focused on providing working capital and supply chain financing solutions to small and mid-sized businesses. |
| The Interface Financial Group | Platform | Factoring Credit | Financial resources for company invoicing | Global | Jan, 1990 | The Interface Financial Group’s Invoice Finance Marketplace provides selected invoice finance or spot-factoring service which can be a beneficial tool for SME’s owners in times of financial need. |
| The Lending Room | Platform | Consumer Credit | Personal loans in New Zealand | NZ | Jan, 2012 | With The Lending Room you can be sure you will be talking to someone in New Zealand, who actually knows what they are doing and will treat you like a person, not just a statistic. |
| ThinCats | Platform | Small Business Credit | Individual business loans in UK | GB | Jun, 2011 | ThinCats.com is an online peer to peer lending platform for secured business loans. |
| TrustLeaf | Platform | Small Business Credit | Friends and family transaction loan | US | Apr, 2015 | TrustLeaf helps you organize your funding and present a professional looking proposal. |
| United Medical Credit | Platform | Medical Credit | Healthcare financing | US | Mar, 2011 | Our mission is to make sure every one of our applicants receives the best customer service and secures the optimal financing terms for their healthcare procedures. |
| Upstart | Platform | Consumer Credit | Highly educated, young graduates | US | Apr, 2012 | You are more than your credit score. On Upstart your education and experience help you get the rate you deserve. |
| Valiant Finance | Platform | Small Business Credit | Business loans for all types of options | AU | Jun, 2016 | At Valiant we have done the hard work of finding a great selection of business loan options – so you don’t have to. |
| Vittana | Platform | Education Credit | Student loans through microfinance from the creators of Kiva | Global | 2008 | At Vittana we believe that education is the single best way to end youth poverty. We strive for a world where young minds have the skills to follow their dreams and earn gainful employment. We are graduating a generation beyond poverty. |
| Wellesley & Co. | Platform | Consumer Credit | Asset-backed peer lender in the UK | GB | Nov, 2013 | Our core principle is to lend to borrowers whose assets provide tangible security over their loan. |
| WikiLoan | Platform | Consumer Credit | Peer lending platform to provide loans and investment opportunities | US | Jun, 2011 | WikiLoan is a website that provides tools for peer-to-peer borrowing and lending. People can use the tools on the website to borrow and lend money among themselves at rates that make sense to all parties. |
| Wonga | Platform | Consumer Credit | Personal loans, available in select countries | GB/ZA/CA/PL/ES | Jun, 2007 | Our products are designed to provide responsible solutions for the everyday financial needs of modern life, especially for people who are not well served by mainstream finance. |
| YadYap | Platform | Consumer Credit | Short-term loan contracts | US | 2010 | Borrowers get their money quickly and at competitive interest rates that are determined by the free market – in most cases making them lower than traditional cash advance loans. |
| Yield/Crowd | Platform | Real Estate Credit | Mortgage Refinancing | US | Mar, 2014 | Yield Crowd targets asset classes with solid underlying credit characteristics and potentially attractive risk adjusted returns, such as real estate loans, non performing debt, structured settlements and more. |
| Zidisha | Platform | Non-Profit Credit | Direct loans that make dramatic impact | US | Jan, 2014 | Zidisha is the first online microlending community that directly connects lenders and borrowers – no matter the distance or disparity between them. |
| Zopa | Platform | Consumer Credit | Personal loan provider in UK | GB | Jan, 2005 | Zopa is the UK’s leading peer-to-peer lending service. We reward people who are good with their money by providing low rate loans and high interest returns. |
- Vanessa Hoying
- 21 Comment
You are missing one of the bigger real estate marketplace lending companies in the US……………………Realty Shares
Here are a few more missing in the real estate category:
RealCrowd
CrowdStreet
Sharestates
DirectMoney is a personal loan marketplace lender with a retail investment product licence that has been operating in Australia since October 2014. DirectMoney is scheduled to commence trading on the Australian Stock Exchange in July 2015.
David Doust
Founder
There’s also DirectMoney in Australia.
Missing from the factoring category: Bay View Funding
Hey I just thought of another one to add. SnapCap is a great fit for the small business credit and small business loans categories.
Thanks LendingRobot! We appreciate the mention in your directory!
Hi,
Many thanks for including us in your list. Please could you amend our name to Landbay (no capital B)?
Thanks!
Team Landbay
Hi,
Would you mind adding Mulligan Funding (www.mulliganfunding.com) to this list?
Thank you!
Would you mind adding Camino Financial? Camino Financial advises small business on securing capital and building their business credit. The Company provides access up to $500,000 in business funding and assists its clients in applying for financing. Camino Financial also offers financial services including credit analytics and technical assistance tailored to each client. Altogether, its credit advisory platform allows small businesses to conveniently access capital and unlock growth.
A very informative article. A briefly explained. I really appreciate this work.
http://www.OvertureMarketplace.com
http://www.Cology.com
Excellent Post!
Hi LendingRobot,
Could you add Harper Partners (www.joinharper.com) founded in July 2015? Harper Partners provides accounts receivable financing for businesses in digital media, advertising, hardware, software and many other industries. The Company offers several non-dilutive funding solutions up to $5 million.
Thank you!
What a great list!
Can you please add Valiant Finance to the list? (https://valiant.finance)– Valiant is Australia’s trusted business loan marketplace giving businesses all of their business loan options in one place.
For some recent news on Valiant you can check out: http://www.afr.com/business/banking-and-finance/westpac-invests-in-sme-online-loan-broker-valiant-finance-20160613-gphpe4
Thanks!
Please add https://lendza.com/ for small business funding. It was founded in 2015.
This is a great resource! Could you please add Fora Financial? The company was founded in 2008, and provides working capital solutions to businesses across the United States.
Great list here. Could you please add altLINE? altLINE by The Southern Bank provides small and medium businesses with flexible accounts receivable lines. The bank was founded in 1936 and the specialty commercial lending division in 2012.
Business Factors is another invoice factoring company. We would appreciate if you could add them to this list as well. Established in 99′ and offering factoring services for oil & gas, Freight & trucking, payroll, staffing, small business and a wide range of other industries and business stages. Thank you in advance!
One of the most complete lists I have found so far.
Do you mind adding “swisspeers”? The company was founded in 2015, and provides business loans to Swiss SMEs.