We are a team of financial professionals who have a diverse background in banking and investing, including: Collections and Recoveries - created strategies to recover bad credit card, installment loan, and auto loan debt through call centers, legal strategies, and debt sales. Know the ins and outs of what a bad loan looks like, and how to avoid them. Also experienced in identifying delinquent debtors that are likely to turn things around and pay up. Credit Policy - built credit policy models for a top 5 credit card issuer. Understand how to build a multi-variate model to inform credit decisions. Portfolio Management - managed multi-billion dollar portfolio of Prime and SuperPrime credit cards and installment loans. Experienced in distinguishing the good loans from the soon-to-be bad loans We got involved in peer-to-peer lending back in 2007 with Prosper.com. The site was terrible and their business model did not work, but we knew they were on to something. In 2009 when Lending Club re-launched, we dived in, and have been making money ever since. Our personal annualized return has been 15.73% since 2009. We take a different approach than many other advisors. While we do leverage computer models to help inform our investment decisions, we don't base our investment decisions solely based on computer outputs. We apply manual underwriting, personally reviewing each loan before deciding to invest. We believe that a strong computer algorithm, paired with an experienced underwriter, can produce better returns than either alone. We'd love to work with you and create a custom portfolio based on your needs. Our fee structure is simple, you pay performance. We don't charge an asset fee like most other managers - we take a small percentage of the profits only.