Found in my email… Loanio registering to sell “Borrower Member Payment Dependent Notes”

Loanio, Inc. today announced that it has filed a registration statement on Form S-1 with the U.S. Securities and Exchange Commission (SEC) relating to Notes it will offer on its peer-to-peer lending website. A copy of the registration statement may be viewed at SEC.gov.

A registration statement relating to the securities has been filed with the SEC but has not yet become effective. These securities may not be sold nor may offers to buy be accepted prior to the time that the registration statement becomes effective. This press release shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of these securities in any state or jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such state or jurisdiction.

• Prosper Marketplace Auctioning Debt The Baltimore Sun is reporting the Prosper Settlement. A settlement for $1 million dollars paid to 20 different states was announced today, with Prosper Marketplace agreeing to the payout after complaints poured in claiming that the peer-to-peer lending service was selling securities that were unregistered. Prosper Marketplace is a business......
• Prosper is Going To Sue Deadbeat Borrowers Prosper the p2p lending company is getting tough on late borrowers. The "New Agency Test" is taking an interesting turn... Prosper is going to sue.  I just received the following email from Prosper. The purpose of this email is to inform you of your right to choose what action you would......
• Lending Club Files S1 with SEC Lending Club has filed an S1 with the SEC (link to S1 filing). It looks to be similar in nature to the Prosper filed an S1 reported here on 10/30/2007. This continues the Lending Club quiet period started on 4/8/2008. Originally I had guessed 7 months to 1.5 years for......
• Prosper Ordered to Cease and Desist by SEC http://www.sec.gov/litigation/admin/2008/33-8984.pdf It appears to me that the ruling is that they have been selling unregistered securities without a license.  What does that mean for the lenders?   Doesn't the board and company officers have some personal liability too? There is some discussion at prospers.org: http://www.prospers.org/forum/prosper_order_to_cease_and_desist_by_sec-t10903.0.html No one seems sure just yet... SEC: UNITED......
• Loanio is Expecting Launch within Days I have been having an ongoing email conversation with Michael Solomon the CEO of Loanio for quite some time... In fact, he originally bought advertising on this blog over a year ago. While still hesitant to give an exact date, he told me in no uncertain terms that Loanio is......

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IOUSOS by Gloubefunder presented at Finovate.� IOUSOS is a medical bill collections portal.� I was a bit surprised at first, but I suppose if you find a willing partner and you can provide the service then why not.� It is an interesting idea.

My only question was if this become wildly successful won’t it become standard practise for people to wait until IOUSOS has their account?

…� I just got the following email from them:

• Prosper.com Lender Game -- RateLadder_com Initial Update -- 12.61% to 12.61% I am RateLadder.  I run this website.  I am compelling because you are reading this.  This blog documents my journey and is a more extensive writeup of what I am doing and why than any I could provide in a single paragraph.  I encourage you to look around.  I encourage......
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• New Loan Funded — Financial Freedom / Credit Card Consolidation — $25,000 at 11.44% — AA Credit — DTI 37% A new loan funded (Financial Freedom / Credit Card Consolidation – $25,000 at 11.44%).  I participated via my standing order RL Overlooked.  The borrower had AA credit, a 37% DTI.  As a reminder my standing orders (and manual bids) only find loans with 0 current delinquencies, 10 or less delinquencies in the last 7......
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I will be attending Finovate Startup today (where Prosper is scheduled to speak). I will be live Twittering at http://twitter.com/BlogTrafficExch

Just in my email Prosper:

Dear Kevin,

Prosper is back with even more ways for you to earn a great return.

To activate your portfolio plans and to start investing right now, sign in and review our new
Lender Registration Agreement.

Introducing New Ways to Invest on Prosper
While speaking about Prosper, Preston DuFauchard, the Commissioner of the California Department of Corporations, said recently, �New ideas and approaches are needed to increase access to consumer and small business credit, especially in today�s environment.�

We couldn�t agree more.

At Prosper, our aim is to provide you with more than just investments. We feel it�s time to take back the system and provide the financial stewardship our country needs - one based on Americans helping Americans. To help bring this about, we�ve worked hard for the past six months to offer you new ways to invest and grow.

Invest on Our Open Market

In response to our nation�s credit crisis, you will now be able to invest in loans made by other financial institutions through our new Open Market initiative. Open Market listings describe existing loans made or owned by lending companies offered for sale on Prosper (such as a car loan).

And because Prosper can offer you a one-to-one relationship between the investment and the underlying asset, these loans are inherently transparent and less complex than traditional debt securitization and other traditional bank lending methods.*

Sound good? There�s more.

Improved Risk Rating System

We�ve been working diligently at revamping our risk rating system, too. Our new robust system allows us to maintain consistency when rating listings�regardless of the loan seller, type of credit score used or type of loan being offered for sale.

We do this in part by combining our proprietary Prosper score with one pulled from Experian�s Scorex Plus. This allows you to better analyze a listing�s level of risk since the final rating represents an estimated average annualized loss rate range�making it easier for you to decide which listings may be your best investments. While we cannot guarantee performance, now you�ll have even more financial information on potential borrowers, along with the assurance that the new Prosper minimum credit score is 640 for individual marketplace listings. At Prosper, we constantly strive to provide you with all of the financial assurance and tools you need to make it easier to invest through us.

Coming Soon�Trade Existing Loans

In other exciting news, you will soon have the option to be able to buy, sell and trade Notes on our new Trading Platform. Please be aware that trade investing through Prosper is not available at this time, as it is subject to regulatory approval.

At Prosper, we�re excited to welcome you back with these new ways to invest�all built upon the financial transparency, vigilance and openness you deserve.

• 2006 Prosper.com Financial Results -- ROI 15.12% 2006 Year Ending Account Value $3,426.08 Cash Balance $25.72 Active Loan Value $2,820.67 Payments in Transit $29.69 Winning Bids $200.00 Winning Bids Pending Review $350.00 Number of Loans 47 Principle Loaned $2,950.00 Average Interest Rate 15.62% Payments Received $193.48 Loan Value $2,846.70 Net Accrued Income APY 15.12% Net Accrued......
• New Loan Funded — Try this one more time, group leader, wantabe borrower — $19,500 at 14.34% — AA Credit — DTI 59% A new loan funded (Try this one more time, group leader, wantabe borrower  – $19,500 at 14.34%).  I participated via my standing order RL Overlooked.  The borrower had AA credit, a 59% DTI, and is a homeowner.  This was a non autofunding loan.  As a reminder my standing orders (and manual bids) only......
• New Loan Funded — Financial Freedom / Credit Card Consolidation — $25,000 at 11.44% — AA Credit — DTI 37% A new loan funded (Financial Freedom / Credit Card Consolidation – $25,000 at 11.44%).  I participated via my standing order RL Overlooked.  The borrower had AA credit, a 37% DTI.  As a reminder my standing orders (and manual bids) only find loans with 0 current delinquencies, 10 or less delinquencies in the last 7......
• Standing Order Technique for Prosper Non Autofunding Loans As regular readers know, the non auto funding loans are the bane of my greedy standing order algorithms.  I have been experimenting with the advanced search sent out by Prosper in the recent overlooked listings email campaign (I have gotten 2 how about you?)...  The advanced search that was sent......
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• Making Extra Money With P2P Lending Peer to Peer lending is quickly becoming one of the hottest new ways to create multiple streams of income. While there is risk involved, there are various methods that can reduce the risks that individual investors face and provide protection against non-payments. If you're looking for an potential way to......
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Microlending is a popular means of borrowing money because small loans are capable of making large differences for many people. Not only is microlending popular for borrowers, but it also benefits those individuals who are willing to give out loans as well. Some microlending websites, like Microplace.com offer interest in the loans that you give out. While some other microlending websites, like Kiva.org do not offer interest, they do make it easy for you to give out gift certificates. Microplace has paid as much as 3 percent in interest in the past, but as of Tuesday, they have announced that they have a fund that is now paying out 5 percent.

If you have checked out CD and bank account rates as of late, you probably know that in comparison what other lending institutions are offering, 5 percent is nothing to sneeze at.

The money lent out through these microlending websites is offered to poor people, most who are women, who are located all over the world. The portfolio that is now paying 5 percent is going through an organization known as Micro Credit Enterprises. This organization makes loans for working poor in many countries, including Armenia, Bolivia, Azerbaijan, Cambodia, Ecuador, Indonesia, Honduras, Mozambique and numerous other countries. In countries such as those mentioned above, a little bit of money can easily go a long way.

Microlending, like many other types of uninsured investments, is subject to numerous risks. However, based on past performance, the odds are still high that you will see your money again. Historically to date, 97 percent of all low income borrowers have completely paid back their microlending loans.

According to the Microplace General Manager, who is Ashwini Narayanan, Micro Credit Enterprises has a high return rate because there is a system in place for guarantees. The organization has wealthy individuals guarantee their investment, so even if the borrower defaults on the micro loan, the investor still is repaid. There are still some other risks to consider, however.

The people who manage in micro loans in other countries are often referred to as bankers on bicycles. They work with organizations on the ground in developing countries. They actually get on bicycles and ride out to the villages to meet with the borrowers directly every week. The interest that is paid by microfinance borrowers is around 31 percent on average. Microplace is a subsidiary of eBay, and is a for profit broker. They allow you to invest through your checking account or paypal account, and no extra fees need to be paid. When you sign up, you are showed a sample borrower scenario, but when you make a loan it is actually to an organization rather than an individual, and the organization distributes the fund to a number of different borrowers as a result.

Another microlending option is Kiva.org, which is a non profit organization. One of the biggest apparent differences between these two organizations is that Kiva does not pay any interest. Kiva is more of a peer to peer microlending service in that you are lending to one specific individual rather than to an organization.

• Prosper's People-to-People Lending Market Survey SAN FRANCISCO--(BUSINESS WIRE)--Prosper (www.prosper.com), America's largest people-to-people lending marketplace, today introduced its first monthly People-to-People Lending Market Survey. Prosper's People-to-People Lending Market Survey will survey the marketplace each month to provide key statistics including: membership and loan volume statistics; marketplace returns; borrower rates; mix of prime, near prime and sub-prime......
• Prosper and Lending Club on CBS News Nationwide Prosper and Lending Club were featured on the CBS Evening News (In Credit Crunch, Lending To Each Other ).  The video is at the end of this post.  I saw the coverage live while watching in between NCAA tourney games. At a time when credit is hard to come by, more Americans......
• Prime Borrowing on Prosper Hits Record Levels -- Febuary Marketplace Survey SAN FRANCISCO--(BUSINESS WIRE)--March 11, 2008--Spurred by the credit crunch, attractive rates, and lender demand for conservative assets, Prosper (www.prosper.com), America's largest people-to-people lending marketplace with over 600,000 members and $120 million in funded loans, reported that the number of prime borrowers (720+ credit scores) creating listings and obtaining loans continues......
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http://www.pertuitydirect.com/docs/launch_press_release.pdf

Pertuity Direct Launches Next Generation Social Finance Platform

Company Brings Together the Advantages of Capital Markets, Social Networking and Traditional Banking

Vienna, VA, January 22, 2009 – Pertuity Direct, an online consumer financial services company built on the foundation of mutually responsible banking, today announced the launch of its next generation social finance platform. Pertuity Direct’s platform enables borrowers and lenders to come together in a social lending network to obtain smarter financial solutions and better rates. Through the National Retail Fund, members have the potential to earn competitive returns via a regulated investment fund.

By eliminating the traditional bank as the middleman, consumers can now get better interest rates than they would typically experience with banks or credit card companies. “Our model is unique in that it combines the benefits of social lending with the strong underpinning of credit risk management, and privacy” stated Kim Muhota, CEO of Pertuity Direct. “For borrowers, Pertuity Direct does not require any public posting of personal credit information, and for lenders, there’s no bidding, researching or guessing involved. We make the process quick, safe and optimal for both parties.”

Investments are made through the National Retail Fund, a social lending mutual fund that combines lenders’ capital to fund a diversified group of approved and credit worthy borrowers. The money is lent to a large group of borrowers through the fund, and as such creates safety of automatic diversification of investment. Unlike with other social lending models, lender money is not tied up for long periods of time, nor is liquidity tied to individual loan repayment. The National Retail Fund provides liquidity through quarterly share repurchases. Currently, two funds are available via the National Retail Fund: National Retail Fund II and National Retail Fund III. Further details on both funds can be obtained in the prospectus.

“By investing in the National Retail Fund, a lender’s money goes to work immediately at account opening, and funds are deployed to available borrower loans without delay,” said Andrew Rogers, Chairman of the Board and Treasurer of the National Retail Fund and President, Gemini Fund Services, LLC. “With this approach, lender money does not sit idle until suitable borrowers are found and the bidding process concludes. This model makes the social lending process easy and efficient for the investor, and beneficial to the high credit quality borrower.”

As part of the social finance platform, the company offers a ‘Pertuity Bucks’ rewards program to lower or eliminate borrowers’ principal loan balances. Borrowers are given the opportunity to tell their story when they apply for a loan and update their profiles as their situation evolves. Lenders have the option to browse these stories and can award Pertuity Bucks to borrowers who they find most compelling – for example, those borrowers who return to the website and update their profiles to share successes, such as starting a small business or earning a coveted degree.

Pertuity Direct is founded by executives with extensive experience in banking and financial services, including decades of experience from leading financial services firms such as Capital One, PNC, and E*TRADE FINANCIAL. Pertuity Direct is the culmination of Kim Muhota’s vision to simplify financial services for the main street consumer.

About Pertuity Direct
Pertuity Direct is an online consumer financial services company bringing together the advantages of capital markets, social networks and traditional banking. Pertuity Direct provides a refreshing and compelling alternative to traditional financial institutions. The company has pioneered a fast, easy and efficient platform that brings together lenders and borrowers in an efficient, regulated, mutually responsible social lending network. This is the next generation of social finance that brings the model to the mass and up-market segment that is seeking efficiency, security and stability. For more information, visit www.pertuitydirect.com.

Pertuity Direct is a separate entity from the National Retail Fund. They underwrite and originate borrower loans. Those loans are an investment option for this fund.
The National Retail Funds are offered only to persons residing in the United States, and information enclosed in this document is intended only for such persons. Information should not be considered a solicitation to buy or an offer to sell shares of any National Retail Fund in any jurisdiction where the offer or solicitation would be unlawful under the securities laws of such jurisdiction. Investing in the National Retail Funds involves several risks including the loss of principal.

Investors should carefully consider the investment objectives, risks, charges and expenses of the National Retail Funds. This and other important information about the Funds are contained in the prospectus, which can be obtained by clicking here or by calling 877-295-6275. The prospectus should be read carefully before investing. The National Retail Funds are distributed by Northern Lights Distributors, LLC member FINRA/SIPC.

• Prime Borrowing on Prosper Hits Record Levels -- Febuary Marketplace Survey SAN FRANCISCO--(BUSINESS WIRE)--March 11, 2008--Spurred by the credit crunch, attractive rates, and lender demand for conservative assets, Prosper (www.prosper.com), America's largest people-to-people lending marketplace with over 600,000 members and $120 million in funded loans, reported that the number of prime borrowers (720+ credit scores) creating listings and obtaining loans continues......
• Pertuity Direct in the New Year In my inbox today.... Dear Friends of Pertuity Direct, As we wrap up 2008, we thought it would be a good time to check in with you and share the great progress we have made as a company. If you have been keeping tabs on the space, you know that......
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