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Lending Club and Prosper do not lend money directly. Instead, borrowers fill out loan applications and post requests on their websites. Investors commit to fund the loans, then Utah-based bank WebBank makes the loans, sells them to Lending Club and Prosper, which in turn sell them on to the investors in the form of a note. The companies make money from servicing and origination fees.
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2021.11.17 |
