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We make it easy to diversify. Instead of investing in an entire loan, you can invest in 25$ fractions of loans called notes. Each fraction of a loan is called a Note. Notes come in 36- or 60-month terms, depending on the term of the corresponding loan.By purchasing many small Notes of equal size that correspond to different borrowers loans, you can diversify your portfolio and reduce the impact of any single loan loss.
Borrowers receive fiexed rate loans that guarantee your principal and interest. With our loan grading system, its simple to acquire loans with the right risk for your porfolio. Rates for prime customers average %6.25, diversifying amongst these loan grades can net some serious returns.
As borrowers make principal and interest payments each month, the funds are distributed to investors and are available for investors to reinvest or withdraw at any time. For example, if an investor made a $100,000 one time investment in 36-month, grade B Notes providing an aggregate 6.0% net annualized return, they would receive approximately $3,035 each month in cash payments to reinvest or withdraw.
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It is easy to reinvest your cash using our Automated Investing service or by manually placing orders for new Notes on a regular basis.You may withdraw your available cash at any time via your linked bank account
Instead of investing in an entire loan, you can invest in pieces of loans in $25 increments. Each piece of a loan is called a Note. Notes come in 36- or 60-month terms, depending on the term of the corresponding loan.By purchasing many small Notes of equal size that correspond to different borrower loans, you can reduce the impact on your portfolio of any single loan loss.1With just $2,500 you can spread your investment across 100 Notes. 99.9% of investors that own 100+ Notes of relatively equal size have seen positive returns.