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Topics - Emmanuel

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1
Investors - LC / F is the new A
« on: June 16, 2016, 06:06:24 PM »
Or why a conservative portfolio is not necessarily made up of only conservative loan grades...

http://blog.lendingrobot.com/research/choosing-loans-with-monte-carlo-diversification-part-2/


2
General P2P Lending Discussion / How well do you know peer lending?
« on: November 03, 2015, 06:16:12 PM »
Test your knowledge on our little quiz:

http://blog.lendingrobot.com/industry/peer-lending-quiz/

3
Lending Club just announced that they're now open to investors from more states in the US.
You can see our recap here: http://blog.lendingrobot.com/industry/from-what-state-can-you-invest-on-lending-club-in/

4
LendingRobot / Secondary market automation
« on: February 25, 2015, 10:58:05 AM »
LendingRobot now offers both automated buying and selling on the Lending Club secondary market.
Buying on the secondary market is very similar to the primary market, albeit with slightly different criteria (such as credit score trend). For selling, we manage a kind of 'dutch auction', meaning we automatically lower the prices of notes until they're sold.

You can see more details on http://blog.lendingrobot.com/post/111977932781/automated-secondary-market-trading

5
We plan to orchestrate a survey amongst a few experts and major players in the peer lending space on the theme 'where will peer lending be 10 years from now'

Some topics will be 'retail vs institutional', major changes to come, impact of a stock market crash.

Does anyone has some question in mind they'd like to submit?

6
For those courageous enough to read some math before the 4th of July celebrations, here's a paper explaining how to update the expected return of a loan once it began making payments:

http://blog.lendingrobot.com/post/90677678531/predicting-returns-for-ongoing-loans

7
Given the amount of institutional investors, the involvement of banks, etc... peer-to-peer lending may not be the best name to describe that industry anymore.
Granted, it won't change the fate of humanity, but I thought it would be nice if we could agree on a universal term.

Prosper still uses that term
Lending Club uses 'peer lending' but last time at the LendIt conference they said the term is outdated
Charles Moldow from Foundation proposed the term 'Marketplace lending'. While I like it, I'm afraid it's a bit too long to really catch up
At LendingRobot, we began using 'direct lending'.

So... any opinion???

8
LendingRobot / Expected Return
« on: May 28, 2014, 03:14:35 PM »
For those interested in how we predict how much a loan will return, here is a detailed explanation of our method:

http://blog.lendingrobot.com/post/87123011616/

9
We just released this infographic:


10
LendingRobot / New Prosper and Lending Club Criteria
« on: May 02, 2014, 07:05:12 PM »
We just added a few criteria to the 'Investment Rules' section...

For Prosper:

- Loan amount
- Amount delinquent
- Number of inquiries in the last 6 months
- Debt-to-income ratio
- Number of open credit lines
- Revolving balance
- Bankcard utilization (in % of max)
- Annual Income

For Lending Club:

- Number of accounts opened in the last 24 months
- Expected Return
- Highest Expected Returns

11
LendingRobot / Lending Club API endpoint change
« on: April 20, 2014, 01:44:40 PM »
We'll take care of this on the LendingRobot side, no action is required from users.

12
LendingRobot / No more minimum fees
« on: April 18, 2014, 01:02:17 PM »
As some of you may have noticed, we recently changed our business model following our registration as Investment Advisor with the SEC.

Instead of charging 0.69% of amount investment, we now charge 0.45% annual management fee.
Because monthly invoices will be much lower, we decided to put a minimum fee of $2.95 per month.

Well, some of our users were not so happy about that. So... we just removed it.

There is no setup fees, no exit fees and no minimum fees to use LendingRobot

13
General P2P Lending Discussion / How to calculate Peer Lending returns
« on: April 16, 2014, 09:08:04 PM »
It seems each marketplace has its own way of calculating returns, none of them fully satisfying.
Maybe it's time to settle on something consistent...

So, here's our proposal: http://marotte.net/LendingRobot_CalculatingReturns.html

(Still a draft, I'll move it to LendingRobot.com once it's final)

Any comments, suggestions or thoughts ??

14
It pops-up in curious places:
http://www.rollitup.org/black-briefcase/808602-has-anyone-tried-p2p-loans.html !!!

(For the sake of clarification and to reassure LendingRobot users: I got this from a Google Alert, not because I spend time on that website  :o)

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