News Topic: marketplace-lending

Despite their slowdown in growth, marketplace lenders are still in good position to gain from the digitization of the financial services industry. ... Read full article

Companies like Prosper have revolutionized the front end of the consumer lending experience, but they have not proven able to handle even minor financial bumps without running off the road. ... Read full article

Online alternative financing can be an efficient source of capital for small businesses, but it can also be predatory, especially to unaware and inexperienced borrowers. ... Read full article

Turmoil in marketplace lending has less to do with loan quality and more to do with how lenders price loans to meet supply and demand. ... Read full article

Key factors point to marketplace lenders rebounding from their recent setbacks and continuing their growth. ... Read full article

If alternative small business lenders don't get engaged in the regulatory dialogue, they risk letting a few bad apples determine their fate. ... Read full article

We should all understand now that pure gain-on-sale marketplace lending businesses, like LendingClub, are inherently unstable. ... Read full article

The hits that alternative lenders like OnDeck Capital are taking shouldn't be a surprise for an industry built on unsustainable business models. ... Read full article

Recent prosecutions against lenders accused of usury violations will test the government's use of a law more commonly known in organized crime cases. ... Read full article

A leading alternative lender has admitted that balance sheets and liquidity matter, and that it is a problem that such lenders need to keep growing lending volumes to prosper. ... Read full article

It is time for institutions to act independently of the Federal Reserve and raise their loan interest rates to improve returns. ... Read full article

The Treasury Department has recently solicited input on how to improve marketplace lending. Here are five ways to help improve access to credit. ... Read full article

While large banks are risk-averse, conformist and bureaucratic, marketplace lenders are inspiring the best and the brightest with their high-energy cultures. ... Read full article

Marketplace lenders and other alternative finance companiesshould be perceived not as a threat, but rather as a group of pioneers opening up opportunities for those banks that elect to buy, build or partner in this market. ... Read full article

Regulated by multiple agencies, marketplace lenders reduce the financial system's leverage, provide greater financial transparency and ultimately deliver a better product to consumers and investors. ... Read full article

While marketplace lenders have introduced valuable innovation into financial services, they carry a fundamental flaw that threatens to undermine their business, destabilize financial markets and cause real economic hardship. ... Read full article

Rejiggering the credit-scoring system wonÂ't do much to expand credit access. Instead, banks and financial services companies should start thinking about new ways to evaluate the situational factors that influence borrowersÂ' reliability. ... Read full article

Many online small-business lenders worry that future regulations could stymie innovation in this fast-growing industry. But well-designed requirements would simply ensure that online lenders can offer adequate borrower protections without giving up market ... Read full article