We are an independent credit modeling service provider for marketplace lending platforms worldwide.
We serve retail investors via newsletter, institutional investors through our LendGuardian software, and marketplaces with our rate-setting consulting.
We bridge the incentives gap that exists between investors and marketplace lending platforms, raising ROI by controlling risk. Marketplaces are incented to "originate, originate, originate" but investors wish to preserve capital and maximize returns.
LendingClub will deprecate 40+ credit variables from their application and historical data. Other minor changes will also take place on December 10th. P2P-Picks will send updated license files for all clients running LendGuardian before the change date. The credit model will be affected only in a minor way.
Supported publication delivery methods are now via API or private hosting of LendGuardian. Web picks have been disabled.
We have added a credit model for Prosper's marketplace.