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Messages - Roux

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Liquid P2P / Pricing notes for Lending Club's secondary market
« on: November 30, 2018, 05:50:59 PM »
What better way to foster a more active secondary market than to automate quality note trading between users in a seamless way that mutually benefits both sides of the transaction?

In our latest blog post, we explain how our "fair pricing" strategy creates a win-win situation for buyer and sellers. 


Please feel free to post any questions in this thread.

Hi all,

Liquid P2P is the new kid on the "automated investing" block offering Lending Club investors powerful access to the returns you want and the liquidity you need.

As veteran retail investors, we invite you to visit and see what you think.  We are currently offering new users a free 90-day trial with no credit card required.  During your trial, you'll have full access to our automated features so you can get a feel for the platform and see if it works for you.

To learn more, check out our latest blog post explaining Liquid Match, the patent-pending model that makes it all work.

Liquid P2P / How we accelerate liquidity for Lending Club
« on: November 20, 2018, 06:27:26 PM »
Just wanted to share our latest blog post, which explains how our patent-pending Liquid Match model works. Check it out and please post any questions you have. We are happy to address them.

Link to full article:

Accelerated Liquidity for Lending Club:
How Liquid P2Pís patent-pending investing model works


For all of the advantages of peer lending, the liquidity risk inherent in this asset class remains it biggest challenge and likely the biggest deterrent for new investors. When you enter into a loan agreement as a marketplace lender, youíre committing for the defined term of the loan, usually 36 or 60 months.

But what happens when a large unexpected expense arises? Life can be unpredictable, and you may need to access your funds early by liquidating part or all of your invested principal.

With a strong emphasis on secondary market automation, Liquid P2P targets a niche market of retail investors seeking consistent returns and better liquidity outside of the managed-fund approach many other automated tools are turning to.

Liquid P2P not only automates secondary market trading for you, we also offer accelerated liquidity options powered by our Liquid Match model and backed by our Liquid Reserve Pool.

Continue reading to learn how it all works:

Liquid P2P / Automated investing & liquidation for Lending Club
« on: September 20, 2018, 01:20:59 PM »
Hello, everyone!

As active participants on this investor forum even prior to creating Liquid P2P, we are glad to now have our own thread. We recently announced the public launch of our self-funded startup, and I wanted to make this initial post to explain who we are and what we do.

View our complete press release here:


Iíve been an active P2P investor since 2008, shortly after Lending Club launched. Through my own research and experience manually selecting loans, I have been able to achieve consistent above average returns.  As the industry experienced exponential growth, it became more of a challenge to keep up with the fast-pace of loan purchasing and complexity of diversification.

I recognized a market opportunity for an automated tool to simplify the process, keep me well-invested, AND offer a liquidity solution.
I envisioned an automated investing model that would boost returns and accelerate liquidity by harnessing the power of an investor group. In 2016, I applied for a patent and assembled a first-class team to bring my idea to life. After a year and a half in beta, we are now fully launched to the public.

Because our "Liquid Match" model places strong emphasis on secondary market trading, Lending Club (and its Folio Note Trading Platform) is the only online lender we currently support. We hope to add other platforms as the right fits arise.

We are based out of Baton Rouge, LA and operate as a third-party, API-driven software service offered for a subscription-based fee to Lending Club account holders. We are not owned by, endorsed by, or affiliated with Lending Club, and we do not offer financial planning or investment advice.


Powered by our machine learning algorithms and patent-pending Liquid Match investing model, we automate the entire P2P lending experience including loan selection, diversification, reinvesting, and liquidation. As we continuously invest user funds, our Liquid Match model automatically matches Liquid P2P buyers and sellers FIRST to both boost returns and accelerate liquidity.  Itís a true win-win.

We want people to feel comfortable investing in this alternative asset class because we believe peer lending is here to stay. Liquid P2P is the low-cost solution that fills in many of the gaps P2P investors are experiencing, and we are ready to prove it.

You can visit to see how it all works.  We are also in the process of creating a full-access, free 90-day trial with no credit card required.  Why so long? We simply want to give new users a chance to try us out, and with investing, 30 days isn't really enough time. (NOTE: Anyone who signs up in the meantime will be grandfathered-in to the free trial.)

As we continue to fine-tune our user interface, the customer experience is our top priority. We are ready and willing to talk with you about any questions you may have, before or after signing up. You can reach a team member directly through Live Chat which is available Mon-Friday during business hours. Or email us anytime at One of us will respond as soon as we can, usually within an hour.

We will also monitor this forum and chime in with any solutions or explanations we can offer!


Liquid P2P Founder and CEO

Investors - LC / Re: Converting from growth to income
« on: September 17, 2018, 05:16:38 PM » has a feature called Constant Value. This feature allows you to set a Constant Value X. Then receive weekly transfers of excess dividend payments over and above the set value, while keeping you invested at Constant Value X. We are working on Drawn Down multi-year feature, but this feature is currently not available.

Hi Joe6Luck,

While we certainly cannot guarantee you total liquidity with your Lending Club investment, we have found a way to significantly enhance it. Please checkout our patent pending Liquid Match model on

General P2P Lending Discussion / Re: Automatic Interest Distributions
« on: August 20, 2018, 09:24:38 PM »
Hi Crisemmons,

Our platform has a investment setting called "Constant Account Value" that will allow you to set an investment amount and receive dividends via a weekly or monthly transfer to your registered Lending Club bank account.

See Reinvesting on

Calculating the "Fair Price" of a Secondary Market Note for a Liquid Match is a 2 Step Process:

  • Lending Club's fee structure reduces a note's YTM as the note matures ( Therefore Liquid looks to see what the current YTM of a newly issued note of the same Term and Sub-grade on Lending Club would yield. In this way as the note ages and if current interest rates have changed since the note was issued, the Buyer will be made whole as if he bought a newly issued note on Lending Club. Notes with 60-37 months of payments remaining use a 5 year term; and notes with 36-1 months of payments remaining use the 3 year term.
  • Once the "Current YTM" is established, Liquid uses Newton's Method to calculate a "Fair Price"to list the note on the Secondary Market. Newtonís Method is based on a recursive approximation formula and is very much like playing "High/Low" until the "Fair Price" is determined by matching the "Current YTM". The Buyer gets the same YTM as if he had purchased the note from the primary market, but with a seasoned payment history and a much shorter time to maturity. It's a win-win. The Seller is able to accelerate his liquidation; and the Buyer is made whole.

This is a great question and we are working on publishing a "Fair Pricing" page to explain this better. Thanks for your feedback! We'll post a follow up when the page is published.

Other things to Consider (

Only Liquid Eligible notes are traded with other members. Note Eligibility Requirements:
  • Note was Scored a "Buy" with Liquid's Machine Learning proprietary algorithm.
  • Note is Current.
  • No Late Payments within the last 6 months.
  • Current FICO score is not less than 40 points from when loan was originally issued, as reported by Lending Club.
  • Current Value of the note is $25 or less. Liquid buys notes in maximum $25 increments or less. This "micro unit" allows all members to participate in the liquidation process. Multiple $25 note positions of the same loan may be purchased, however at no time will Liquid invest more than 0.25% of a portfolio's total value in any one loan (applicable to accounts with $10,000 or more).
  • No Payment Date Request Change within the last 6 months. A payment date request change made more than 2 months after a loan is newly issued is considered a red flag within the banking industry.

We just soft-launched Liquid,  the newest automated software solution for LC investors.

Powered by machine-learning algorithms and our patent-pending Liquid Match investing model, we automate the entire P2P lending experience including loan selection, diversification, reinvesting, and liquidation.

As we continuously invest user funds, our innovative model automatically matches Liquid P2P buyers and sellers FIRST to both boost returns and accelerate liquidity.  Itís a true win-win.

Check it out. We would love to see what you guys think.

Introductions / Liquid P2P - New Tool for Lending Club Investors
« on: August 17, 2018, 01:34:23 AM »
Hello Everyone,

I'm new to the forums, however, I have been an active Lending Club investor since 2009. I soon realized one of the biggest challenges facing this asset class was its lack of liquidity. As a serial entrepreneur, I put my efforts into solving this problem. After years of development, my team and I are finally ready to launch our solution to this problem - Liquid P2P combines Machine-Learning algorithms to pick the best loans and an innovative patent pending Liquidity Model.

To my fellow P2P lenders, I hope you find a good and useful investment tool.

Happy Investing!

Note to Site Administrator:

I see Lend Academy has a topic category for "P2P Analysis/Investment Sites". I am unclear as how to contact the Administrator of this site to request a category thread for Liquid P2P. If the administrator of this site would be so kind as to private message me, I would appreciate it.

If you're concerned about the liquidity challenges of P2P investing, I would suggest you check out

Liquid P2P is the newest automated software solution for Lending Club Investors. 

Our patent-pending Liquid Match model harnesses the power of the group to fuel our investing and liquidation processes. As we continuously invest your funds, we automatically match Liquid P2P buyers and sellers first in an effort to boost returns and accelerate liquidity.

See how it works. We would love to hear what investors out there think!

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