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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.

240

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.

141

A digital lending library for small business owners.

117

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

105

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

101

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

97

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

95

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.

93

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.

93

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

92

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

90

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

89

 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.

87

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.

87

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.

84

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

82

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

81

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.

79

A tool to help assess the risk of lending to individuals and startups,

79

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

78

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.

77

A data analytics tool for financial institutions, aimed at helping them make better lending decisions.

75

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

75

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.

74

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.

74

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.

72

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

67

Lending Club is looking to create an online community for home and condo owners to get access to financing to pay down a mortgage or refinance a home. The company’s loans are backed by the equity in the house, and rates for the loans are competitive.

63

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.

62

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.

62

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

60

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

58

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

58

 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.

53

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

52

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

52

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.

50

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

50

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.

47

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.

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.”

46

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

42

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.

40

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

34

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

30

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

28

An online platform for peer-to-peer lending in India. The startup serves community microlenders in India that are looking to lend out smaller amounts of money to people in need.

27

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

26

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.

20

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.

19

This is a financial education platform, where you learn the ins and outs of various lending options to make sure you’re getting the best loan possible.

19

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

18

A way to provide better credit for businesses and entrepreneurs in the US. The startup is using machine learning to provide more personalized lending options.

17

A digital micro lender that aims to help small businesses and startups purchase inventory and other supplies, and set up loans for that inventory, using a combination of bank and non-bank lending.

17

A web and mobile based platform for peer-to-peer lending.

16

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.

14

The startup wants to make it easier for small businesses to receive financing. It’s a mobile lending platform, using the same algorithms as big banks, but with lower interest rates and higher standards for creditworthiness.

14

A startup that enables banks to use a single system for their consumer and commercial lending.

14

This startup is building a real-time platform for banks to coordinate lending and investment by investors.

13

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