This document provides information on various social lending platforms, including whether they focus on helping people or making money, operate domestically or internationally, allow browsing individual profiles to create a portfolio, are open or closed to new participants, and have different areas of focus such as microfinance, students, entrepreneurs, or payday lending. The platforms offer a range of returns from donations to 1.5-6% interest and some are seeking SEC registration.

1. Interested in Social Lending? Do you want to lend primarily to help people? Do you want to lend primarily to make money? Interested in lending internationally Interested in lending domestically Interested in browsing profiles to create portfolio Prefer not to browse individual profiles To people you know To poor entrepreneurs Require SEC’s blessing Investors buy into a pool of prime loans, earning ~12% returns – p2p element is optional. Original p2p microfinance platform. Invest in micro-entrepreneurs around the globe, including the US. Operates under a “family and friends” model, providing framework to formalize loans Established p2p player. Lenders browse profiles and choose borrowers to fund. Seeking tax deductible donation Seeking to also earn interest Earn 1.5-6% interest lending to MFIs serving micro-entrepreneurs around the globe. Focused exclusively on Palestinian entrepreneurs. Investors can donate money to a fund and claim tax benefits. Current closed to new participants while it deals with SEC registration. Exclusively focused on student loans. Uses a Human Capital Index rather than FICO. Hasn’t officially launched. Focuses on the payday lending space. P2P education financing platform currently only open to Harvard students and alumni.