Wednesday, April 03, 2013

Alternative Investing and Borrowing Link Up

Prosper from Investment Borrowing as an Investor and a Borrower

Personal loans meet online investing at America's leading online destination for borrowing money and investing in personal loans. It's called peer to peer lending.

Prosper is America's first peer-to-peer lending marketplace, with more than 1.6 million members and over $400,000,000 in funded loans.

Prosper connects people who want to invest money with people who want to borrow money.

Easy way to invest in consumer lending.

Monthly payments from creditworthy borrowers.

Diversification for your investment portfolio.

Peer-to-Peer Lending Means Everyone Prospers

Prosper is the market leader in peer-to-peer lending popular alternative to traditional loans and investing options. We cut out the middleman to connect people who need money with those who have money to invest . . . so everyone prospers!

Here's How it Works:

Borrowers choose a loan amount, purpose and post a loan listing.

Investors review loan listings and invest in listings that meet their criteria.

Once the process is complete, borrowers make fixed monthly payments and investors receive a portion of those payments directly to their Prosper account.

Peer-to-Peer Lending for Your Investment Strategy

Why add Prosper to your investment portfolio?

High Yields Short Durations

Along with great returns and 1-, 3- and 5- year terms, Prosper Notes provide many portfolio benefits, ranging from current income to lower interest rate risk. This unique investment opportunity provides meaningful returns without locking up your money for long periods of time.

Proven Consistent Profitability of Consumer Credit

Lending to consumers is a decades-old industry that’s produced profits year after year for a handful of credit card companies and banks. provides investors unprecedented access to this market, with consistent returns.

Monthly Cash Flow

Borrowers make monthly payments of principal plus interest that show up in your account. Create a passive income stream, or easily reinvest your cash earnings with our online investing tools like Quick Invest. Investment diversification

Diversify your portfolio by adding a new asset class—consumer loans—which is less vulnerable to market volatility than other investments.

Tax Advantages with the Prosper IRA1

Along with high-yields and consistent returns, enjoy tax advantages when you open your new or rollover Prosper IRA. See how fast your retirement savings can grow when you invest your Individual Retirement Account with Prosper.

Social Lending: Invest in People

Help hardworking families escape the credit card trap, fund an entrepreneur’s dream, or finance a dream wedding -- while earning a healthy return. Through, borrowers get fixed-rate personal loans that are smarter alternatives to high-interest rate credit card debt that could take years to pay off.

With easy monthly payments of principal and interest to investors like you, borrowers get what they want without getting deeper into debt. Take a look at our loan listings. These are real people with real stories, wants and needs.

Company Overview

Prosper is America's first peer-to-peer lending marketplace, with more than 1.6 million members and over $400,000,000 in funded loans.

Prosper allows people to invest in each other in a way that is financially and socially rewarding. On Prosper, borrowers list loan requests between $2,000 and $25,000 and individual lenders invest as little as $25 in each loan listing they select. In addition to credit scores, ratings, and histories, investors can consider borrowers’ personal loan descriptions, endorsements from friends, and community affiliations. Prosper handles the servicing of the loan on behalf of the matched borrowers and investors.

Prosper Funding LLC is a wholly-owned subsidiary of Prosper Marketplace, Inc.

Prosper Marketplace, Inc. is run by CEO Stephan Vermut, founder and former managing partner of Merlin Securities, a prime brokerage service based on cutting-edge technology. Prosper Marketplace, Inc.’s investors include Sequoia Capital, Accel Partners, and Benchmark Capital.

Click here to learn more about Prosper Funding LLC