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Prosper lend it 2013 keynote presentation (1)
1.
TECHNOLOGY AND INNOVATION: POWERING
THE FUTURE OF FINANCIAL OPPORTUNITY
2.
2PROPRIETARY & CONFIDENTIAL
. © 2013 The New Shared Economy Phases of The Internet Evolution
3.
3PROPRIETARY & CONFIDENTIAL
. © 2013 How Far We Have Come “The Gamble of Lending Peer to Peer” New York Times “It's Like eBay Meets Match.com. Does peer-to-peer lending work?” Slate “You Are Unlikely To Prosper” The Big Money “Person To Person Lending Not Saving The Economy... Actually Looking Really, Really Bad” TechDirt “Peer-To-Peer Lending: Problems and Promise” Bloomberg Business Week “Peer To Peer Lending: The Murky Future” Reuters
4.
“Looking Beyond Banks
for Financing” 4PROPRIETARY & CONFIDENTIAL . © 2013 How Far We Have Come Bloomberg BusinessweekLend Academy “A Record Month For Both Lending Club And Prosper” Investing.com CNBC “Peer to Peer Lending Platforms Look to Rival Traditional Banks” “Prosper.com to Live Long and Prosper with $20M From Sequoia” Venture Beat Forbes ”Google Buys Stake In Lending Club, Valuing Lender at $1.6B” “SoFi Lands $77M To Help Solve The Student Debt Crisis” TechCrunch Investing.com “Kabbage Brings Data-Focused Online Merchant Lending To The UK” “Funding Community Brings Local Business Lending Online” Lend Academy TechCrunch “On Deck To Help Small Businesses Connect With Capital” “P2P Lending Surpasses $2B In Loan Origination” Investing.com
5.
5PROPRIETARY & CONFIDENTIAL
. © 2013 In The Media
6.
6PROPRIETARY & CONFIDENTIAL
. © 2013 The Peer-to-Peer Finance Landscape 25 MM* 148 MM* * May origination numbers
7.
7PROPRIETARY & CONFIDENTIAL
. © 2013 The Industry Last Year • Incentives provided to increase Lender activity • Large referral fees to invite friends to lend • 1000+ Loans available • Lengthy Funding Times for Borrowers • Frequent delays in month end statements for Lenders BorrowersLenders
8.
8PROPRIETARY & CONFIDENTIAL
. © 2013 The Industry Now • Find additional methods to attract borrowers • Continue to improve credit, pricing and risk models • P2P education... tell the story • Maintain quality while growing 10%+ per month • Reduce borrower acquisition costs • Increase borrower activation rates BorrowersLenders
9.
9PROPRIETARY & CONFIDENTIAL
. © 2013 Optimism For The Future Now- • Credit card/consumer finance • Small business • Student loans Coming now or very soon- • Real estate (commercial or residential) • Raw Land • Furniture • Elective surgery • Auto loans • Receivables • Litigation finance BorrowersLenders
10.
1 2 3 4 10PROPRIETARY & CONFIDENTIAL
. © 2013 Conditions for Peer-to-Peer Growth High-yield fixed income trading at tight levels Banks are driving consumers to seek alternatives Healthy US consumer buoyed by the rise in home values and the bull market in equities Continued low interest rate environment is creating a demand for yield from investors across the spectrum Peer-to-Peer finance is web based and easy to use
11.
11PROPRIETARY & CONFIDENTIAL
. © 2013 LendIt: What Did We Learn Today? 4 EVEN MORE… MONEY, PLATFORMS, TECHNOLOGY… 2 CONTROLLED GROWTH 5 BANKS AND INSURANCE COMPANIES NOW RECOGNIZE THE NEED TO PARTICIPATE EVEN AS RATES GO UP, THE SEARCH FOR YIELD WILL CONTINUE3 COMPETITION WAS NOT HERE TODAY1
12.
12 1. A true
liquid secondary market 2. Risk free rate of return rises as fed funds rate rises making P2P returns less compelling 3. P2P platforms add many more higher risk, higher interest rate borrowers 4. New forms of data and analysis methods become available making underwriting, risk, and pricing even better 5. Loans posting in real-time throughout the day – Not set intervals 6. An insurance option where returns are lower but a minimum interest rate/return guarantee 7. Global multi asset class platforms emerge 8. Purchased by Marketplace business, social networks, or other technology companies… IPO? 9. P2P companies purchase their own bank charters 10. Credit card companies create a lower, fixed rate, amortized refinance solution for borrowers 11. Loans available in all states 12. Loan securitization PROPRIETARY & CONFIDENTIAL . © 2013 Where Does The Industry Go From Here… Possibilities
13.
13PROPRIETARY & CONFIDENTIAL
. © 2013 This Is Just The Beginning 13PROPRIETARY & CONFIDENTIAL . © 2013 This Is Just The Beginning
14.
Thank you 14PROPRIETARY &
CONFIDENTIAL . © 2013
15.
Disclosures 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 the conference’s participants and should not be relied upon as authoritative or taken in substitution for the exercise of judgment by any participant. Each participant 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 participant seek independent investment and financial advice concerning any services or investments discussed in this presentation. Notes are offered pursuant to the Prospectus which accompanies this presentation and which is also available at www.prosper.com/prospectus. Persons considering investing in Notes should review the Prospectus in its entirety. 15PROPRIETARY & CONFIDENTIAL . © 2013
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