Online Marketplace Lending

27 Marketplace Lending assets found.

  • To promote transparency and aid in model governance, VantageScore Solutions publishes validations results annually, along with updated odds/performance charts. This paper highlights the most recent validation results and also presents insights gleaned from a decade of credit score model performance validations.

  • Must Know Details About the Military Lending Act
    Document Published Date: May 1, 2016

    Are you aware of the latest enhancements to the Military Lending Act? The Department of Defense passed a Final Rule in July 2015, and all lenders must get compliant by October 2016. Read our free paper on the actions you must take to get compliant and avoid costly fines.

  • SCRA Summary and Solutions
    Document Published Date: May 1, 2016

    Learn how Servicemembers Civil Relief Act (SCRA) protects servicemembers and the compliance solutions available to lenders.

  • Shaping the Future of Online Marketplace Lending
    Video Uploaded Date: Dec 3, 2015

    The evolving landscape of online marketplace lending and the future of the industry.

  • Why Online Marketplace Lenders Should Report Data
    Video Uploaded Date: Dec 3, 2015

    Industry experts weigh in on the importance of data reporting for marketplace lenders.

  • The State of Online Marketplace Lending
    Document Published Date: Dec 2, 2015

    In 2008, a short two years after the first online marketplace lenders opened for business, the Great Recession began to wreak havoc on worldwide financial markets. Small businesses struggled to survive, banks failed and access to capital was limited. More online lenders saw an opportunity and opend for business. These technology-driven newcomers hired an army of data scientists, coders and digital marketers. In the fall of 2015 the innovation, industry disruption and regulatory uncertainty that characterize this dynamic sector led Experian to produce a series of articles focusing on different aspects of online marketplace lending. This report contains those articles.

  • Peter Renton, Founder of Lend Academy shares shares his perspectives on regulatory change, innovation and what's driving growth in small business lending via online marketplace lenders.

  • Sam Hodges, Co-Founder of Funding Circle shares his perspectives with Experian about the online marketplace lending industry, what makes Funding Circle unique, and what lays ahead for the industry.

  • Kathryn Ebner, head of capital markets for Credibly shares her perspectives about online marketplace lending, innovation and where the industry is headed.

  • Andrew Smith, Partner with Covington & Burling, LLC shares his perspectives with Experian about regulatory and legal issues facing online marketplace lenders.

  • In this webinar, Experian provided a 360-degree industry view of the fast-growing Online Marketplace Lending industry. Our experts help explain go-to-market strategies, self-regulation vs. government regulation and why this fintech-driven segment of financial services is attracting so much attention from investors, banks and the small businesses they lend to.

    Presenters:

    Gavin Harding, Sr. Consultant, Experian

    Tony Hadley, SVP Government and Regulatory Affairs, Experian

    Peter Renton, Founder, Lend Academy

  • Virtually unheard of just 10 years ago, Web-based companies that offer funding options beyond traditional bank loans have grown considerably. Small businesses — drawn by the easy application process and flexible repayment terms — have become increasingly comfortable working with online lenders, which offer rapid access to capital, a wide array of niche products and a low-friction customer experience. In this article we discuss emerging trends in online marketplace lending we can expect to see over the next several years. You can also find the article on our blog.

  • When it comes to matching small-business borrowers to the most appropriate lenders, a new breed of marketplace matchmaker or loan aggregator is finding success bringing the two parties together. Aggregators compare the needs and qualifications of borrowers with lenders in their network matching their target criteria. Think of it as speed dating for business financing. This article explores the various go-to-market strategies and tactics employed by loan aggregators. You can also find our blog post for more details here.

  • As an industry, marketplace lending has enjoyed considerable success over the past five years. In some entrepreneurial circles, names such as Lending Club, Fundera, Creditera and Funding Circle are as well-known as Citibank, Bank of America and Wells Fargo. Many full-service banks see these newer online platforms as opportunities to increase their own efficiencies as well as a way to capture future long-term customers. In this article we explore how financial institutions are aligning with online marketplace lenders. This article is also published on our blog.

  • The evolution of commercial lending over the past seven years has certainly had its share of ups and downs. Remember the ominous days leading up to the financial crisis when it seemed like everything was teetering on collapse? During that uncertain time, commercial lenders took a lot of criticism from several directions. On top of those worries, a new channel emerged, online marketplace lending. In this article, Charles H. Green from Advice On Loan shares his perspectives about how financial institutions can play to their strength, and play to win with online marketplace lenders. You can also read this article on our blog.

  • Online lenders represent a valuable resource for small businesses in need of working capital. Also known as "alternative" lenders, they are particularly useful to new businesses lacking the long, detailed credit history that banks and traditional lenders usually require to underwrite a commercial loan. In this article we explore the various new data sources being used by online lenders to make lending decisions. You can also read this article on our blog.

  • In this short Q&A video, Gavin Harding from Experian's Global Consulting Practice offers his perspectives on online marketplace lending, particularly what kinds of things small businesses are funding with loans acquired online. This Q&A is part of a series of blog posts from Experian Business Information Services available at: Online Marketplace Lending Series
  • What is Peer-to-Peer Lending?
    Video Uploaded Date: Sep 23, 2015
    In this Q&A, Gavin Harding from Experian's Global Consulting Practice offers his definition of what Peer-to-Peer lending is. This Q&A is part of a series of blog posts from Experian Business Information Services available at: Online Marketplace Lending Series
  • How do banks perceive online marketplace lending?
    Video Uploaded Date: Sep 21, 2015
    Gavin Harding of Experian's Global Consulting Practice offers his perspectives on online marketplace lenders and how they are perceived by financial institutions. This Q&A is part of a series of blog posts from Experian Business Information Services available at: Online Marketplace Lending Series
  • In this Q&A with Gavin Harding from Experian's Global Consulting Practice, Gavin offers his perspectives on how online marketplace lenders are able to make such fast decisions on loan applications. This Q&A is part of a series of blog posts from Experian Business Information Services available at: Online Marketplace Lending Series
  • Online Marketplace Lending Q&A
    Video Uploaded Date: Sep 21, 2015
    Gavin Harding, a Sr. Business Consultant with Experian's Global Consulting Practice offers his perspectives on the burgeoning online marketplace lending sector. This Q&A is part of a series of blog posts from Experian Business Information Services available at: Online Marketplace Lending Series
  • Online marketplace lenders started to become increasingly more popular at the tail end of the Great Recession as many banks tightened lending criteria. Gavin Harding from Experian's Global Consulting Practice describes the sequence of events which led to rapid growth in this relatively young sector. This Q&A is part of a series of blog posts from Experian Business Information Services available at: Online Marketplace Lending Series
  • In this Q&A with Gavin Harding of Experian's Global Consulting Practice, he offers perspectives on why so many small businesses are tapping online marketplace lending for capital.
  • The Responsible Business Lending Coalition, a group of non-bank small-business lenders announced a self-regulatory program that is designed to bring greater clarity and consistency to its industry's pricing and consumer protections. In this paper we talk about self-regulation in the online marketplace lending sector and what the Small Business Borrower's Bill of Rights is all about. You can also read this article on our blog.

  • Just how alternative are today's online marketplace lenders?
    Document Published Date: Sep 14, 2015

    Online marketplace lenders, have caused quite a stir over the past couple of years by offering alternative financing products to serve consumers and businesses. But what's so radically different about what they do, other than using a Website rather than a drive-up branch to initiate a financial relationship? This article explores what sets online marketplace lenders from traditional financial institutions. You can also read this article on our blog.

  • Over the past two to three years, online marketplace lending (OML) — also called alternative lending — has made dramatic changes in the landscape of small business lending. In this paper, the first in a series of eight articles, Experian experts discuss this exploding fin-tech-driven market from several angles. You can also read our blog post - How online marketplace lenders are changing the rules of small-business finance.