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Lending Startup Ideas

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A peer-to-peer lending company that helps non-profits raise money for their operations.

235

A new, blockchain-enabled peer-to-peer lending platform that is targeting the global student debt crisis. The company is expanding internationally and looking for investors.

131

A digital lending library for small business owners.

110

A B2B company building a way for people to manage their small business borrowing and lending.

98

A startup that helps credit unions expand their lending options by lowering the cost and time it takes to get a loan.

96

A peer-to-peer lending company that only focuses on college students.

89

A startup that makes it easy for small businesses to get the financing they need. Pure is a platform that helps businesses build a relationship with banks or credit unions, which can then make lending decisions on behalf of the business without requiring a formal loan.

88

This startup is building a tool that helps banks manage their exposure to lending to small business.

87

A peer-to-peer lending company that focuses on college students. The company says it’s in talks with a few large consumer finance companies and would like to see itself included in student loan refinancing programs. They’re based in Delaware.

84

A P2P lending platform for businesses that don’t have the resources to build out the infrastructure to do their own payments.

80

A startup that wants to start a new generation of (quasi-) peer-to-peer lending companies. The company has raised $1.5 million so far.

80

A micro lending platform that helps small businesses in India access credit. It doesn’t charge interest, but charges a fee for the loans.

79

A web-based P2P lending platform that uses the blockchain to ensure the cashflow of the loan, using AI to predict default rates.

78

 A “Global Credit Network” where you can borrow money from anyone in the world — no credit checks and no collateral. The startup is building the infrastructure to make international microlending easy.

78

The startup wants to help smaller businesses get a loan through peer-to-peer lending, and has already closed more than $50 million in loans in an eight month period since it launched.

72

They are building a marketplace based on the idea of peer to peer lending, but aimed at small property loans (smaller than $5,000), and aimed at women.

72

People are still not taking advantage of the benefits of peer to peer lending in the US, so Peervest is trying to change that through a marketplace that compares the best rates at peer to peer lenders in the US to traditional bank rates.

71

A company that says it is building a “micro-lending platform”.

71

A financial service for college students. The company is building a lending service for students.

71

A startup for lending to small businesses. The startup makes it easy for banks and investors to lend to small businesses.

69

A crowdfunded loans startup that helps credit unions offer small business loans to their members. It partners with Fiserv and its lending platform.

66

A tool for helping small companies get loans from banks by simply signing a power of attorney. The startup wants to use its existing network of over 1,000 lending partners to make this happen.

64

A startup that wants to improve the process of lending money to small businesses. The company is a tool used by businesses that make loans to customers.

62

A cloud service provider for banks that helps them make better decisions on lending.

61

A member-driven credit union that allows members to invest their money in peer-to-peer lending. The startup raised an $8 million round in April 2019, and plans to roll out to the UK and Germany in 2020, as well as other countries.

58

A platform for lending and borrowing money with a goal of reaching 1 million borrowers. Users will be able to search for and compare loans online.

56

This startup is building a platform for the fintech industry that aims to help banks manage their lending, investments, and risk. The platform was built to sit alongside the CapitalOne API.

54

P2P lending is the new frontier for startups, with this one looking to build a P2P borrowing platform.

53

BridgeCoin is a cryptocurrency-based lending platform that is “an alternative to the traditional banking system.”

52

 A way to streamline the process of getting a loan for a startup (or other company in need of financing). The company provides a marketplace for financing and a loan application, with providers ranging from big banks to crowdlending sites. They’re currently in the process of raising Series A funding.

50

A company that helps to build and maintain the database that banks use to make lending decisions.

50

A new way to help small companies make more money through marketplace lending, with a focus on the Middle East.

46

An online lending platform that provides loans to local businesses. The startup says they have “tripled their revenue as we scale to help more businesses grow.”

45

A peer-to-peer lending platform where people can loan money to one another. The startup is currently working on a separate peer-to-peer loan product.

44

A startup for personal loans. The company’s platform uses data to make better lending decisions.

41

A platform for farmers that wants to take on the backend of lending for the agriculture industry.

41

A digital lending platform that helps people with bad credit get loans for things like cars and appliances. They currently have over $100million in loans in the pipeline and a few hundred customers.

40

A business lending platform for small businesses in the UK. The startup connects businesses with lenders at a rate of 5.5% to 8.5%, a much lower rate than banks charge.

38

A company that is working on a peer-to-peer lending marketplace platform that connects lenders with borrowers. CommonBond has raised $30 million to date.

36

A platform for banks to build lending products for small businesses in emerging markets.

27

A small business lending platform that takes a portion of the income of the borrower and invests it in loans to other small businesses.

24

A company that helps small businesses with credit, lending them funding in exchange for a percentage of the business.

20

A Swiss startup that wants to democratize the online lending market.

16

A self-lending service with a digital wallet and chatbot integration.

16

Magig is a startup that has a new take on how to borrow money. It’s sort of like Venmo, except for the borrower. The startup allows users to send money to their friends in exchange for lending them cash that they can pay back over time.

15

An online lending platform that lowers the costs of borrowing for micro-finance companies.

11

LendingClub is a peer-to-peer (P2P) lending company that aims to cut out the middleman lending market by allowing borrowers to connect with each other directly. The company’s P2P model is based on an algorithm designed to match borrowers with lenders. P2P loans were responsible for $2.7 billion in loans in 2017.

10

A company that offers a new way to invest in real estate. The startup’s platform offers monthly payments of invested capital with a fixed rate of return on a pool of real estate investments. It’s a p2p lending platform, and its first customers are on a waitlist.

5

Idea: Sofi is a lending program for student loans They say they can get a loan to anyone in 6 minutes, and don’t charge a processing fee The company is currently lending $3,000 loans (via a credit line) to students

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Idea: A peer-to-peer lending marketplace The startup offers an alternative to traditional banks, which the founders say offer high interest rates, but often have hidden fees

-1

A software company that helps banks and credit unions with their lending process.

-2