Detailed overview of OnDeck's IPO including its funding history, business operations, financial performance, public company comparables and relevant industry transactions
Detailed overview of OnDeck's IPO including its funding history, business operations, financial performance, public company comparables and relevant industry transactions
Marketplace Lending in the U.S. - An industry overview March 2015Rajesh Kamath
This is a study of the marketplace lending business in the U.S.
Marketplace lending (used to be called peer-to-peer or P2P lending earlier) is growing at a scorching pace in some lending segments, which traditional lenders might have all but abandoned. It represents technology-led disruption in the personal and small business lending space. What started life as 'borrowing from friends, family and peers' has turned into a broader 'marketplace' model, and might be on the cusp of becoming a mainstream lending channel in the next few years.
It is getting increasing attention (and investments) from established institutional financial players.
This study intends to provide an overview of what the marketplace lending business is all about. It takes a deep dive into the structurals - products, customers, regulations, platform models and who is investing in this space. It also lists the key success factors in this business, and tries to gaze into the future of what might be in store for this business in the coming few years.
A webinar about Funding Circle and peer-to-peer loans, hosted by Funding Options.
Peer-to-peer lending is set to increase fivefold in the next three years, according to a recent forecast from Ernst and Young.
It looks like more and more SMEs are turning to alternative finance products out of frustration with the banks.
Given the hype, you'd think that most businesses are aware of the options available, right? Wrong. According to a recent survey, only 29% of respondents even knew what peer-to-peer lending is.
If you've got questions about peer-to-peer, this is your chance to ask Funding Circle. The first site of its kind in the UK, Funding Circle was launched in August 2010 and has since facilitated over £164 million in loans to SMEs, providing flexible business loans up to £1 million.
We'll be answering questions on the basics, as well as the details: What is peer-to-peer lending? Who is Funding Circle? What types of finance are offered? How does it work? What are the risks?
We'll also look at how you can put together the best possible finance application, and we'll take questions on whether your business or your clients might qualify.
This is a special event webinar ran by Funding Options in conjunction with Funding Circle. The award-winning Funding Options team works with a range of lenders to provide free, no-obligation advice about the best finance for your business.
Analysis of the events leading up to PayPal's spin-off from eBay as well as an overview of PayPal's financial performance, acquisitions and competitors
BoyarMiller Breakfast Forum: The Current State of the Capital Markets 2016BoyarMiller
As part of its ongoing Breakfast Forum series, BoyarMiller gathered industry experts for a panel discussion on the Current State of the Capital Markets. Speakers included Drew Kanaly with Kanaly Trust, Cliff Atherton with GulfStar Group and John Sarvadi with Texas Capital Bank, LLC.
More online: http://www.boyarmiller.com/news-and-publications/events/breakfast-forum-current-state-capital-markets-2016/
This in-depth report looks at the major waves of innovation and disruption that are beginning to radically alter the insurance industry. The insurance industry, unlike many other areas of financial services, has not yet been substantially disrupted by new technologies and transformative business models. However, the industry now appears to be at a key inflection point as many different constituents in the FinTech ecosystem have their sights squarely set on insurance as the next great opportunity.
Marlow Felton, Chris Felton • Transamerica Financial Advisors Inc.
- A Millennial’s perspective: How we really feel about money and investing by Nick Halle
- The continuous bid under the market
- The force of Supply at major tops in the U.S. equity market by Tracy L. Knudsen, CMT
- Working a structured referral process (Don Meredith, Lincoln Financial Advisors Corp.)
Marketplace Lending in the U.S. - An industry overview March 2015Rajesh Kamath
This is a study of the marketplace lending business in the U.S.
Marketplace lending (used to be called peer-to-peer or P2P lending earlier) is growing at a scorching pace in some lending segments, which traditional lenders might have all but abandoned. It represents technology-led disruption in the personal and small business lending space. What started life as 'borrowing from friends, family and peers' has turned into a broader 'marketplace' model, and might be on the cusp of becoming a mainstream lending channel in the next few years.
It is getting increasing attention (and investments) from established institutional financial players.
This study intends to provide an overview of what the marketplace lending business is all about. It takes a deep dive into the structurals - products, customers, regulations, platform models and who is investing in this space. It also lists the key success factors in this business, and tries to gaze into the future of what might be in store for this business in the coming few years.
A webinar about Funding Circle and peer-to-peer loans, hosted by Funding Options.
Peer-to-peer lending is set to increase fivefold in the next three years, according to a recent forecast from Ernst and Young.
It looks like more and more SMEs are turning to alternative finance products out of frustration with the banks.
Given the hype, you'd think that most businesses are aware of the options available, right? Wrong. According to a recent survey, only 29% of respondents even knew what peer-to-peer lending is.
If you've got questions about peer-to-peer, this is your chance to ask Funding Circle. The first site of its kind in the UK, Funding Circle was launched in August 2010 and has since facilitated over £164 million in loans to SMEs, providing flexible business loans up to £1 million.
We'll be answering questions on the basics, as well as the details: What is peer-to-peer lending? Who is Funding Circle? What types of finance are offered? How does it work? What are the risks?
We'll also look at how you can put together the best possible finance application, and we'll take questions on whether your business or your clients might qualify.
This is a special event webinar ran by Funding Options in conjunction with Funding Circle. The award-winning Funding Options team works with a range of lenders to provide free, no-obligation advice about the best finance for your business.
Analysis of the events leading up to PayPal's spin-off from eBay as well as an overview of PayPal's financial performance, acquisitions and competitors
BoyarMiller Breakfast Forum: The Current State of the Capital Markets 2016BoyarMiller
As part of its ongoing Breakfast Forum series, BoyarMiller gathered industry experts for a panel discussion on the Current State of the Capital Markets. Speakers included Drew Kanaly with Kanaly Trust, Cliff Atherton with GulfStar Group and John Sarvadi with Texas Capital Bank, LLC.
More online: http://www.boyarmiller.com/news-and-publications/events/breakfast-forum-current-state-capital-markets-2016/
This in-depth report looks at the major waves of innovation and disruption that are beginning to radically alter the insurance industry. The insurance industry, unlike many other areas of financial services, has not yet been substantially disrupted by new technologies and transformative business models. However, the industry now appears to be at a key inflection point as many different constituents in the FinTech ecosystem have their sights squarely set on insurance as the next great opportunity.
Marlow Felton, Chris Felton • Transamerica Financial Advisors Inc.
- A Millennial’s perspective: How we really feel about money and investing by Nick Halle
- The continuous bid under the market
- The force of Supply at major tops in the U.S. equity market by Tracy L. Knudsen, CMT
- Working a structured referral process (Don Meredith, Lincoln Financial Advisors Corp.)
Apresentação para captação de recursos para Associação Fernanda Bianchini, única metodologia no mundo que profissionaliza deficientes visuais no ballet e outras danças.
Módulo 1. Teatro Playback del Máster en Teatro Aplicado 2016-2017Avecteatre Educación
El teatro playback es una modalidad de teatro interactivo, espontáneo e improvisado, sin texto previo, que tiene como objetivo principal crear vínculos entre los espectadores. Es un teatro informal basado en la dramatización de historias que surgen del público, las cuales cobran vida a través del saber hacer artístico de un conductor (director), varios actores y un músico. En su esencia es un arte transversal y se crea a partir de las historias de vida de los espectadores. Estas pueden ser relatos de recuerdos, fantasías, conflictos o sentimientos, ya sean ordinarios o extraordinarios, íntimos o manifiestos, confusos o
precisos. Los actores los dan forma artística a través de los diálogos, de las imágenes plásticas corporales, del movimiento y de la música. Este género teatral parte de la idea previa de que las historias de los espectadores son un tema adecuado para el arte. A lo largo de más de 40 años de historia con que cuenta esta modalidad teatral, las finalidades y los ámbitos en que se pone en práctica han ido diversificándose.
This presentation highlights the investment process and risk controls that Latin America Structured Finance Advisors believes is necessary to make wise investment decisions.
Industry Pitch & Meet Opportunities presented by Jill Earthy, CGO, FrontFundr. Pitch & Meet companies are actively growing their venture and looking to expand operations through strategic partnerships and investment commitments.
Customer Success: The Secret to Subscription Success and the Metrics that MatterGainsight
Did you know? Less than a 1/3 of companies are able to accurately measure and manage churn – the critical metric for subscription businesses.
The challenges are numerous – from emerging roles and responsibilities to inadequate technology stacks built for transactional business models. Fortunately, successful SaaS pioneers have honed their processes and owe success in part to carefully managing a new class of metrics. From survey data, we’ll show you what you need to know as your company scales.
Join Gainsight and Pacific Crest Securities for a live webinar on 2/25 at 10:00 AM PT to learn:
How you stack up against high-performing SaaS companies across a variety of areas
Which metrics a Customer Success team and leader need to start measuring and managing
What you need to do to prepare for public market scrutiny
When: February 25, 10:00 AM PST
Who:
David Spitz, Managing Director, Software & Security at Pacific Crest Securities
Lincoln Murphy, Customer Success Evangelist at Gainsight
Splash Beverage Group, an innovator in the beverage industry, owns a growing portfolio of alcoholic and non-alcoholic beverage brands including Copa di Vino wines by the glass, SALT naturally flavored tequilas, Pulpoloco Sangria, and TapouT performance hydration and recovery drinks and TapouT Cognitive Energy Drink. Splash’s strategy is to rapidly develop early-stage brands already in its portfolio as well as acquire and then accelerate brands that have high visibility or are innovators in their categories. Led by a management team that has built and managed some of the top brands in the beverage industry and led sales from product launch into the billions, Splash is rapidly expanding its brand portfolio and global distribution.
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
The only way you can sell is by trading your pi coins with an investor (a person looking forward to hold massive amounts of pi coins before mainnet launch) .
You don't need to meet the investor directly all the trades are done with a pi vendor/merchant (a person that buys the pi coins from miners and resell it to investors)
I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
#pi network
#pi coins
#money
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
NO1 Uk Divorce problem uk all amil baba in karachi,lahore,pakistan talaq ka m...Amil Baba Dawood bangali
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NO1 Uk Rohani Baba In Karachi Bangali Baba Karachi Online Amil Baba WorldWide...Amil baba
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
2. “Profit Plan Strained By Cuts”
“Cash Drain Worries Grow as
Company Remains Grounded
By Regulators”
“Problems Blamed on Lack of
Oversight”
3.
4. “Cash Drain Worries Grow as Company
Remains Grounded By Regulators”
“Profit Plan Strained By Cuts…”
“Problems Blamed on Lack of Oversight”
TRANSPORTATION
“Job Cuts and Executive Shuffles…”
“All of These Things Are Definitely Going to
Make Investors Ask for More Scrutiny.”
“Chief Executive Steps Down”
MARKETPLACE LENDING
17. THE NEW NECESSARY NINE
FOR FUND PERFORMANCE
STOP PURCHASING /
CASH DRAG7 CURRENCY HEDGE9LOANS AT A PREMIUM
(PREPAY)8
PLATFORM
PERFORMANCE4 LEVERAGE6FUND FEES5
LOAN VALUATION1 LOAN SELECTION3ACCRUALS FOR
DEFAULTS2
18. YEAR JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC PROSPER1,2 INTEREST3
2010 1.05% 0.96% 1.05% 0.90% 0.94% 0.87% 0.95% 0.75% 0.93% 0.83% 0.79% 0.83% 10.84% 19.20%
2011 1.04% 0.86% 0.99% 0.73% 0.80% 0.92% 1.07% 1.07% 1.08% 0.81% 0.71% 0.92% 11.02% 21.16%
2012 0.89% 0.79% 0.93% 0.79% 0.84% 0.87% 0.83% 0.94% 0.57% 0.74% 0.86% 0.58% 9.61% 19.71%
2013 0.80% 0.51% 0.68% 0.61% 0.70% 0.69% 0.79% 0.77% 0.72% 0.78% 0.67% 0.83% 8.56% 16,81%
2014 0.84% 0.75% 0.75% 0.85% 0.74% 0.81% 0.82% 0.79% 0.85% 0.80% 0.75% 0.76% 9.50% 14.19%
2015 0.77% 0.71% 0.60% 0.67% 0.58% 0.70% 0.71% 0.64% 0.64% 0.60% 0,61% 0.58% 7.82% 13.50%
2016 0.47% 0.54% 0.59% 0.58% 0.46% 0.57% 0.41% 0.41% 6.03% 13.82%
1. PROSPER FUNDING LLC OWNS THE MARKETPLACE THROUGH WHICH LOANS ARE ORIGINATED AND SOLD. PROSPER MARKETPLACE, INC. IS THE PARENT COMPANY OF PROSPER FUNDING LLC WHICH OPERATES THE MARKETPLACE ON BEHALF OF PROPSER FUNDING LLC. PROSPER
MARKETPLACE, INC AND PROSPER FUNDING LLLC ARE COOLECCTIVELY REFERRED TO HEREIN AS “PROSPER.” ALL LOANS ORIGINATED THROUGH THE PROSPER MARKETPLACE ARE ORIGINATED BY WEBBANK, A UTAH-CHARTED INDUSTRIAL BANK, MEMBER FDIC.
2. PROSPER RETURNS SERIES IS CALCULATED AS THE TOTAL MONTHLY INTEREST, FEE AND NET RECOVERY PROCEEDS RECEIVED, NET OF CHARGE-OFFS AND SERVICING FEE, DIVIDED BY THE MONTHLY PRINCIPAL BALANCE; INCLUDING ALL LOANS BOOKED BETWEEN JULY 1, 2009 AND APRIL
30TH, 2016. PAST PERFORMANCE IF NOT INDICATIVE OF FUTURE PERFORMANCE.
3. INTEREST RATE SHOWN REPRESENTS WEIGHTED AVERAGE INTEREST RATE CHARGED ACROSS THE ENTIRE PROSPER PLATFORM DURING EACH CALENDAR YEAR.
PROSPER PLATFORM HISTORICAL
ANNUALIZED RETURNS
SUMMARY STATISTICS
MIN: 0.41% MAX: 1.08%
AVERAGE: 0.77% MEDIAN: 0.79%
STD. DEV: 0.15%
19. UNSECURED
CONSUMER
CREDIT1
10-YEAR
TREASURY
BOND3
HIGH YIELD
BONDS4
INVESTMENT
GRADE BONDS5 REITS6 MUNICIPAL
BONDS7 TREASURY BILLS3
YIELD 14% 2% 7% 3% 4% 3% <0.5%
RETURN 9% 10% 7% 6% 6% 5% 2%
DURATION 1.42 9.2 4.2 7.0 N/A N/A 0.2
UNSECURED CONSUMER CREDIT
RETURNS ARE ATTRACTIVE RELATIVE TO
OTHER FIXED INCOME ASSETS
1 BASED ON QUARTERLY DATA ON CREDIT CARD PERFORMANCE 1995-2015, REALIZED VOLATILITY OF CREDIT CARD ACCRUALS IS 2%. SOURCE: BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (US).
• COMPONENT: INTEREST RATE, CARD ACCOUNTS ASSESSED INTEREST (A), TERMCBCCINTNS; CHARGE OFF RATE ON CREDIT CARD LOANS (B), CORCCACBS
• RETURN = YIELD (A) - CHARGE OFF RATE (B)
2 DURATION FOR UNSECURED CONSUMER CREDIT BASED ON CURRENT WEIGHTED-AVERAGE FOR THREE- AND FIVE-YEAR LOANS ORIGINATED THROUGH PROSPER PLATFORM.
3 SOURCE: BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (US) 1996-2016.
4 SOURCE: BARCLAYS US CORPORATE HIGH YIELD INDEX 1996-2016.
5 SOURCE: S&P US INVESTMENT GRADE CORPORATE BOND INDEX 2002-2016.
6 SOURCE: S&P BMI US REIT INDEX 1996-2016.
7 SOURCE: S&P MUNICIPAL BOND INDEX 1999-2016.
20. THE SILVER BULLET
ONLINE
MARKETPLACES
• NO BALANCE SHEET
• FEE REVENUE
• RETAIL & INSTITUTIONS
BALANCE
SHEET LENDERS
• LINES OF CREDIT
• PROPRIETY CAPITAL
• RETAIN LOANS
HYBRID/
COMPOSITES
• COMBINATION OF
THE TWO
30. Disclosures
This presentation includes forward-looking statements. Forward-looking statements inherently involve many risks and
uncertainties that could cause actual results to differ materially from those projected in these statements. Where, in any
forward-looking statement, we express an expectation or belief as to future results or events, such expectation or belief is
based on the current plans and expectations of our management and is expressed in good faith and believed to have a
reasonable basis, but there can be no assurance that the expectation or belief will result or be achieved or accomplished.
All forward-looking statements speak only as of the date of this presentation and are expressly qualified in their entirety by
the cautionary statements above. We undertake no obligation to update or revise forward-looking statements that may be
made in this presentation to reflect events or circumstances that arise after the date made or to reflect the occurrence of
unanticipated events.
All personal loans are made by WebBank, a Member of FDIC. All personal loans through Prosper are unsecured, fully
amortized personal loans. Neither Prosper Funding LLC nor Prosper Marketplace, Inc. are registered as an investment
adviser with any federal or state regulatory agency. The information contained in this presentation is for informational
purposes, and should not be construed as individually tailored investment advice or as a recommendation with respect to
any security or investment approach. This presentation has been prepared without regard to the circumstances and
objectives of its participants and should not be relied upon as authoritative or taken in substitution for the exercise of
judgment by any individual. Each individual should consider the appropriateness of any investment decision having regard
to his or her own circumstances, the full range of information available and appropriate professional advice. Prosper
Funding LLC and Prosper Marketplace, Inc. recommend that each individual seek independent investment and financial
advice concerning any services or investments discussed in this presentation.
Editor's Notes
3 clicks (9)
Click 10
Put in the two performances
Performance today primarily impacted by the 2015 vintage and borrower rate