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Lending Startup Ideas



2 years ago

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

268
1 year ago

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.

165
2 years ago

A digital lending library for small business owners.

138
2 years ago

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

131
1 year ago

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

131
2 years ago

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

125
2 years ago

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

124
2 years ago

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.

122
2 years ago

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.

117
1 year ago

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.

111
2 years ago

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

108
2 years ago

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

108
2 years ago

 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.

108
2 years ago

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.

108
2 years ago

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

106
2 years ago

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

105
1 year ago

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.

105
2 years ago

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.

100
2 years ago

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.

100
2 years ago

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

100
2 years ago

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

100
2 years ago

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.

98
2 years ago

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

98
2 years ago

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

97
2 years ago

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

96
2 years ago

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

95
2 years ago

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.

95
1 year ago

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.

89
2 years ago

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.

82
1 year ago

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

82
2 years ago

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.

80
1 year ago

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.”

77
2 years ago

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

76
2 years ago

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

76
2 years ago

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

75
1 year ago

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.

75
1 year ago

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.

75
2 years ago

 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.

72
1 year ago

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

71
1 year ago

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.

71
1 year ago

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.

69
1 year ago

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

67
1 year ago

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

66
1 year ago

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

64
1 year ago

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

61
1 year ago

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.

60
1 year ago

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

56
8 months ago

A platform to facilitate peer-to-peer lending, allowing people to lend money to each other and earn higher interest rates than banks

54
2 months ago

This is an app for lending money to friends and family, with a focus on microloans.

50
1 year ago

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

48
10 months ago

A crowdfunding platform that specializes in helping startups and small businesses get off the ground by lending them money and by providing them with a platform to raise money.

48
1 year ago

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

47
8 months ago

This startup is building a blockchain-based lending platform that connects borrowers to lenders.

45
7 months ago

A blockchain-based peer-to-peer lending platform to help women access micro-lending.

45
1 year ago

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.

44
4 months ago

 This company builds debt crowdsourcing platforms for lending companies. Borrowers can list their credit availability and a company can decide whether they’re a good fit for a loan.

44
8 months ago

A startup that allows people to buy and sell items “in real time” in addition to facilitating peer-to-peer lending. The B2B business has potential for companies looking to expand their lending options.

43
1 year ago

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.

42
11 months ago

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

42
1 year ago

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.

41
1 year ago

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

40
1 year ago

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.

39
11 months ago

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.

39
3 months ago

A company that makes an AI-powered platform for blending and remixing audio.

39
10 months ago

A startup that helps individuals and small businesses get funds easily and cheaply through peer-to-peer lending.

38
8 months ago

A platform for peer-to-peer lending of solar panel equipment, allowing anyone to buy, sell or lease solar panels.

37
1 year ago

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.

35
10 months ago

A peer-to-peer lending platform for people in Latin America looking to put money to work in real estate.

34
7 months ago

A startup that allows nonprofits to raise money for their causes, using a combination of a crowdfunding platform and a peer-to-peer lending marketplace.

33
7 months ago

Lending platform for micro-lending for people in areas of the world where banks don’t work. Empowering people with capital where it is needed most. The company wants to lend $1 billion in the first year.

33
1 year ago

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.

31
8 months ago

A solution for banks to help them manage the risk of their high-volume lending.

31
10 months ago

A peer-to-peer lending platform for SMEs in Latin America. It lets small businesses use the credit of their customers to finance their purchases.

30
5 months ago

A payment and lending platform for the sharing economy, including Airbnb and Uber. It allows people to borrow money and pay for things like ridesharing and home sharing, with some flexibility over the conditions of the loan.

29
4 months ago

A peer-to-peer lending platform that connects lenders and borrowers.

29
3 months ago

Like the Lending Club for car loans, AutoGrow’s business is to lend money to people who can’t get loans from banks or credit unions. It’s currently lending $1 million a month to people in the US.

29
3 months ago

A company that wants to provide the capital that is missing from the lending industry — a more traditional intermediary. The startup takes a better interest rate on deposits, with individual investments capped at $50,000.

28
9 months ago

A startup that aims to make student loans more affordable through peer-to-peer lending. They’re making a loan from a pool of other students.

27
5 months ago

A startup that makes it easy for anyone to access inexpensive and highly profitable lending.

27
1 year ago

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

26
5 months ago

A data visualization platform that aims to provide the most accurate and complete reports for credit risk. The idea is to provide a dashboard for banks to track risk, allowing them to make better lending decisions and cut down on bad loans.

26
9 months ago

A person-to-person lender that is “taking the risk out of lending money” with lower interest rates.

25
9 months ago

This startup is building an online tool for lenders to help them evaluate borrowers. The startup is already working with 15 lending partners, including Capital One and Citizens Bank.

25
6 months ago

A platform that connects credit unions with small businesses. They want to increase lending and access to capital for small business owners.

24
1 month ago

A small B2B company that wants to help banks use the same data to improve their core business and make better lending decisions.

24
8 months ago

A provider of online peer-to-peer lending for B2B products.

23
4 months ago

A company that helps you get a loan, even if you’re a first-time client to a traditional lending institution.

23
3 months ago

A small-business lending tool for online lenders.

23
3 months ago

A US-based company that’s building a lending platform for homeowners in Japan. The company’s offering is a line of credit that has a goal of 5% of the value of the property. They’re looking to launch in Tokyo and New York City.

22
8 months ago

A tool for helping people find loans, credit, and other financing for their businesses. The startup is working with 16 businesses and 5 lending partners to help them manage their credit and credit lines.

21
7 months ago

A company that wants to help manage people’s financial lives, from lending money to paying bills, with a focus on the elderly.

21
1 month ago

A company that helps online lenders like Lending Club and Prosper to credit and underwrite loans in a more consistent and transparent manner.

21
4 months ago

A startup that gives businesses the ability to buy and sell used cars with a single service. The startup is also launching a lending program in the US to help ease the financing process.

18
3 months ago

A platform for peer-to-peer lending that enables lenders to invest in the loans themselves, not just collateralized debt obligations. The company provides the capital, and the seller gets the loan with a simple interface.

15
2 months ago

A decentralized marketplace for peer-to-peer lending, where lenders can lend to borrowers globally, with no minimum amount and no origination fees.

15
6 months ago

A Bitcoin-based micro-loan startup, which aims to change the way the global $300 billion micro-lending market works by focusing on unbankable borrowers.

13
1 month ago

A startup for lending money to credit unions, with no fees. The company has a lot of traction on this front, with many credit unions currently looking at the platform.

12
3 months ago

Building a system for lending on small business loans for microloans. The founders say it can help small businesses access capital and provide a better lending experience.

11
1 month ago

A micro-lending startup that sets its own timelines for loan funding, instead of waiting for customers to have their credit histories evaluated by traditional banks.

11
1 month ago

Looking to build a “personal” lending platform, one that allows users to borrow against their credit card balance.

11
2 years ago

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

10
2 months ago

This is a marketplace that helps people invest in the stock market through peer-to-peer lending.

9
15 days ago

A startup that’s developing an email-based lending platform that lets small businesses borrow money from big businesses.

9
1 month ago

A company that helps banks, loans, and credit unions automate their lending policies, typically for a lower cost than current analog solutions.

8
2 days ago

A peer-to-peer (P2P) lending platform that directly connects borrowers with investors and is set to launch in the UK in 2015.

6
2 years ago

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

0
2 years ago

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

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