Lending Club takes a unique approach to person-to-person lending. We use a matching system that combines the latest search technology with the power of social networking—in other words, this is where the magic happens.
Our matching system uses a powerful algorithm called LendingMatchâ„¢, which works along the lines that any two people are connected to each other by varying degrees of separation. LendingMatchâ„¢ finds relationships between borrowers and lenders based on geography, education, profession, or connectedness within a given social network and then presents lenders with diversified loan portfolios reflecting these relationships as well as the lenders' individual risk preferences. Moreover, LendingMatchâ„¢ serves to show borrowers that their loans are not being funded by faceless nameless banks, but rather are coming from real people.
LendingMatch™ underscores a founding principle of our company—we believe that bringing lenders and borrowers together in a marketplace that leverages existing communities and relationships will make for a better experience for all participants. Pointing lenders toward compatible borrowers will help ensure that loans get funded, while letting borrowers know that members of their community supported their financial needs will increase the overall performance of the loan (as borrowers would be less likely to default).
* Screenshot examples are located on the inner side bar: Lend Money Example, Portfolio Example.

















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