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Write a 2-page report using the questions below as a guide. Your report should be in the form of a CONSULTANT’S REPORT!
DO NOT WRITE IN Q&A FORMAT. ONLY USE THE ATTACHED DOCUMENT AS SOURCE.
1. Describe Lending Club’s business model? What are the factors that determine whether the Lending Club will be profitable?
2. Should investors value Lending Club as a marketplace technology company, or a specialty finance company? Why? 3. Explain why lenders are able to obtain a higher interest rate compared to investing their money in a bank.
4. What kind of borrowers will be willing to borrow through lending club? Why is the lending club a cheaper source of funding for the borrowers?
5. Do you think peer-to-peer lending will replace intermediated loans (i.e. bank loans) as the dominant form of loan activity in the market?