StuStu

Stu Lustman, the author of this post, is a Credit Analyst by trade trying to bring Commercial Credit Analysis techniques to the world of Peer to Peer Lending. Check me out on Twitter, LinkedIn and Google+

P2P Loan Portfolio Management: ‘Dividend’ Reinvestment

by

So by this stage maybe you have put some money in some peer to peer loans. Once you do, you have a P2P loan portfolio that now has to be managed.  How d owe manage this?  For better or for worse, there’s alot of information we can use from the investment world in the management … Read more P2P Loan Portfolio Management: ‘Dividend’ Reinvestment

How Does Prosper.com or Lending Club Make Money?

by

 This is an important question because if we want to use these lending platforms successfully, then we need for the platform to stick around. In other words, it has to make money so we can make money.  First, Prosper.com makes money on loan originations. When a loan funds through their platform, they charge an origination … Read more How Does Prosper.com or Lending Club Make Money?

Stu’s Portfolio: March 2013 Report

by

Here is my first portfolio report for you guys. What is in my own loan portfolio? Well, I’m a Credit Analyst so I put my money where my mouth is.  I currently have zero loans with Lending Club, 6 loans with Prosper.com, and 1 private loan with a former client of mine from equipment finance … Read more Stu’s Portfolio: March 2013 Report

How Risk Averse Are You?

by

  How you put your money into peer to peer loans or social lending is a byproduct of many factors. One of the biggest is our own tolerance for risk. Do you know what your tolerance for risk is? There are numerous self evaluating tools for this on the web. This is one of my … Read more How Risk Averse Are You?

What Types of Loans Can I Invest In on Prosper.com?

by

The Prosper.com loan site lists 11 different types of loans that are available. Those loans are: Debt Consolidation Home Improvement Short Term & Bridge Loans Auto & Vehicle Loans Small Business Loans Baby & Adoption Loans Engagement Ring Financing Wedding Loans Friends & Family Loans Green Loans Military Loans   By far, the most common … Read more What Types of Loans Can I Invest In on Prosper.com?

Credit Analysis: What is a Credit Score?

by

Credit Analysis is an important part of our process of learning which loans fit our appetite for risk as all loan listings on a peer to peer lending site are not created equal. The first piece involved in credit analysis is the credit score. This is a single number score and the most common are … Read more Credit Analysis: What is a Credit Score?

How does Prosper.com rate its loans?

by

So let’s jump right in. How Does Prosper.com rate its loans? Prosper.com is one of the leading peer to peer lending sites on the web today. Prosper was the first peer to peer lending site created on the web, at least according to their own website.  It’s a great site and platform for adding peer … Read more How does Prosper.com rate its loans?