💡 Ideas AI

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Lending Startup Ideas

5 years ago

A peer-to-peer lending company that helps non-profits raise money for their operations.

319

4 years ago

An online platform for peer-to-peer lending in India. The startup serves community microlenders in India that are looking to lend out smaller amounts of money to people in need.

260

4 years ago

This startup is building a tool that helps banks manage their exposure to lending to small business.

250

5 years ago

A platform for lending and borrowing money with a goal of reaching 1 million borrowers. Users will be able to search for and compare loans online.

240

4 years ago

A new, blockchain-enabled peer-to-peer lending platform that is targeting the global student debt crisis. The company is expanding internationally and looking for investors.

224

4 years ago

A Swiss startup that wants to democratize the online lending market.

200

2 years ago

Meeple is a startup that uses a micro-lending platform to help small businesses and startups get financing. The startup, which was founded in April, currently has $5,000 in monthly recurring revenue and is looking to raise a seed round.

199

3 years ago

This is an app for lending money to friends and family, with a focus on microloans.

187

5 years ago

A digital lending library for small business owners.

184

5 years ago

A B2B company building a way for people to manage their small business borrowing and lending.

172

5 years ago

A P2P lending platform for businesses that don’t have the resources to build out the infrastructure to do their own payments.

170

5 years ago

A micro lending platform that helps small businesses in India access credit. It doesn’t charge interest, but charges a fee for the loans.

168

5 years ago

A peer-to-peer lending company that only focuses on college students.

166

5 years ago

A peer-to-peer lending company that focuses on college students. The company says it’s in talks with a few large consumer finance companies and would like to see itself included in student loan refinancing programs. They’re based in Delaware.

163

3 years ago

This company builds debt crowdsourcing platforms for lending companies. Borrowers can list their credit availability and a company can decide whether they’re a good fit for a loan.

163

5 years ago

A startup that helps credit unions expand their lending options by lowering the cost and time it takes to get a loan.

162

5 years ago

A startup that makes it easy for small businesses to get the financing they need. Pure is a platform that helps businesses build a relationship with banks or credit unions, which can then make lending decisions on behalf of the business without requiring a formal loan.

160

5 years ago

A cloud service provider for banks that helps them make better decisions on lending.

147

5 years ago

A company that says it is building a “micro-lending platform”.

146

5 years ago

A financial service for college students. The company is building a lending service for students.

144

5 years ago

A web-based P2P lending platform that uses the blockchain to ensure the cashflow of the loan, using AI to predict default rates.

143

4 years ago

A tool for helping small companies get loans from banks by simply signing a power of attorney. The startup wants to use its existing network of over 1,000 lending partners to make this happen.

143

5 years ago

A startup that wants to start a new generation of (quasi-) peer-to-peer lending companies. The company has raised $1.5 million so far.

142

3 years ago

A P2P lending platform for small businesses in Latin America, the team is looking to “build Latin America’s first successful P2P lending platform”.

142

5 years ago

People are still not taking advantage of the benefits of peer to peer lending in the US, so Peervest is trying to change that through a marketplace that compares the best rates at peer to peer lenders in the US to traditional bank rates.

139

5 years ago

A data analytics tool for financial institutions, aimed at helping them make better lending decisions.

137

5 years ago

A startup for lending to small businesses. The startup makes it easy for banks and investors to lend to small businesses.

137

5 years ago

A “Global Credit Network” where you can borrow money from anyone in the world — no credit checks and no collateral. The startup is building the infrastructure to make international microlending easy.

136

5 years ago

They are building a marketplace based on the idea of peer to peer lending, but aimed at small property loans (smaller than $5,000), and aimed at women.

135

5 years ago

The startup wants to help smaller businesses get a loan through peer-to-peer lending, and has already closed more than $50 million in loans in an eight month period since it launched.

134

5 years ago

A crowdfunded loans startup that helps credit unions offer small business loans to their members. It partners with Fiserv and its lending platform.

131

5 years ago

A tool to help assess the risk of lending to individuals and startups,

130

5 years ago

A startup that wants to improve the process of lending money to small businesses. The company is a tool used by businesses that make loans to customers.

130

5 years ago

A business lending platform for small businesses in the UK. The startup connects businesses with lenders at a rate of 5.5% to 8.5%, a much lower rate than banks charge.

126

5 years ago

This startup is building a platform for the fintech industry that aims to help banks manage their lending, investments, and risk. The platform was built to sit alongside the CapitalOne API.

124

5 years ago

Lending Club is looking to create an online community for home and condo owners to get access to financing to pay down a mortgage or refinance a home. The company’s loans are backed by the equity in the house, and rates for the loans are competitive.

123

5 years ago

BridgeCoin is a cryptocurrency-based lending platform that is “an alternative to the traditional banking system.”

121

5 years ago

A new way to help small companies make more money through marketplace lending, with a focus on the Middle East.

120

5 years ago

A company that helps to build and maintain the database that banks use to make lending decisions.

119

4 years ago

A member-driven credit union that allows members to invest their money in peer-to-peer lending. The startup raised an $8 million round in April 2019, and plans to roll out to the UK and Germany in 2020, as well as other countries.

118

5 years ago

A digital lending platform that helps people with bad credit get loans for things like cars and appliances. They currently have over $100million in loans in the pipeline and a few hundred customers.

115

5 years ago

P2P lending is the new frontier for startups, with this one looking to build a P2P borrowing platform.

114

4 years ago

An online lending platform that provides loans to local businesses. The startup says they have “tripled their revenue as we scale to help more businesses grow.”

113

5 years ago

A startup for personal loans. The company’s platform uses data to make better lending decisions.

111

5 years ago

A peer-to-peer lending platform where people can loan money to one another. The startup is currently working on a separate peer-to-peer loan product.

110

4 years ago

A platform for banks to build lending products for small businesses in emerging markets.

110

3 years ago

A startup that’s building an app to help people find low-cost lending options for small business owners, currently focused on the UK market.

108

4 years ago

A platform for farmers that wants to take on the backend of lending for the agriculture industry.

106

3 years ago

A startup that connects users with money lending options by AI. The startup is building a consumer lending platform.

105

5 years ago

A way to streamline the process of getting a loan for a startup (or other company in need of financing). The company provides a marketplace for financing and a loan application, with providers ranging from big banks to crowdlending sites. They’re currently in the process of raising Series A funding.

103

3 years ago

A blockchain-based peer-to-peer lending platform to help women access micro-lending.

103

3 years ago

A small business lending platform that matches people who want to make large purchases with businesses that need money.

101

4 years ago

A company that is working on a peer-to-peer lending marketplace platform that connects lenders with borrowers. CommonBond has raised $30 million to date.

97

4 years ago

This startup is building a blockchain-based lending platform that connects borrowers to lenders.

97

4 years ago

A platform to facilitate peer-to-peer lending, allowing people to lend money to each other and earn higher interest rates than banks

95

4 years ago

A web and mobile based platform for peer-to-peer lending.

94

4 years ago

A self-lending service with a digital wallet and chatbot integration.

93

3 years ago

A startup for peer-to-peer lending for small business loans, currently funded by Y Combinator.

93

5 years ago

A small business lending platform that takes a portion of the income of the borrower and invests it in loans to other small businesses.

90

4 years ago

A crowdfunding platform that specializes in helping startups and small businesses get off the ground by lending them money and by providing them with a platform to raise money.

89

4 years ago

This is a financial education platform, where you learn the ins and outs of various lending options to make sure you’re getting the best loan possible.

88

4 years ago

A company that helps small businesses with credit, lending them funding in exchange for a percentage of the business.

86

3 years ago

A company that makes an AI-powered platform for blending and remixing audio.

85

3 years ago

A mobile-first, peer-to-peer lending platform. They say they’re working with some of the top 10 US banks and are adding more every week.

85

3 years ago

A digital line of credit for small businesses. It’s a small business lending platform that provides loans of $5,000 to $100,000 or 0% interest for 36 months with collateral.

85

3 years ago

A startup that allows nonprofits to raise money for their causes, using a combination of a crowdfunding platform and a peer-to-peer lending marketplace.

81

3 years ago

A peer-to-peer lending platform that connects lenders and borrowers.

81

3 years ago

Like the Lending Club for car loans, AutoGrow’s business is to lend money to people who can’t get loans from banks or credit unions. It’s currently lending $1 million a month to people in the US.

81

4 years ago

LendingClub is a peer-to-peer (P2P) lending company that aims to cut out the middleman lending market by allowing borrowers to connect with each other directly. The company’s P2P model is based on an algorithm designed to match borrowers with lenders. P2P loans were responsible for $2.7 billion in loans in 2017.

79

4 years ago

A digital micro lender that aims to help small businesses and startups purchase inventory and other supplies, and set up loans for that inventory, using a combination of bank and non-bank lending.

79

4 years ago

A startup that enables banks to use a single system for their consumer and commercial lending.

79

4 years ago

A startup that helps individuals and small businesses get funds easily and cheaply through peer-to-peer lending.

78

3 years ago

A micro-lending platform that uses blockchain to enable loans to people who don’t have traditional credit scores.

78

2 years ago

A new kind of consumer lending startup that engages customers in a way that allows them to become the lender to a peer group of friends and neighbors. Lending Club wants to build a decentralized peer-to-peer lending network where individuals can lend to or borrow from other individuals.

78

4 years ago

Magig is a startup that has a new take on how to borrow money. It’s sort of like Venmo, except for the borrower. The startup allows users to send money to their friends in exchange for lending them cash that they can pay back over time.

75

4 years ago

A way to provide better credit for businesses and entrepreneurs in the US. The startup is using machine learning to provide more personalized lending options.

75

4 years ago

The startup wants to make it easier for small businesses to receive financing. It’s a mobile lending platform, using the same algorithms as big banks, but with lower interest rates and higher standards for creditworthiness.

75

4 years ago

A person-to-person lender that is “taking the risk out of lending money” with lower interest rates.

75

3 years ago

A company that wants to provide the capital that is missing from the lending industry — a more traditional intermediary. The startup takes a better interest rate on deposits, with individual investments capped at $50,000.

75

4 years ago

A company that offers a new way to invest in real estate. The startup’s platform offers monthly payments of invested capital with a fixed rate of return on a pool of real estate investments. It’s a p2p lending platform, and its first customers are on a waitlist.

74

4 years ago

A peer-to-peer lending platform for people in Latin America looking to put money to work in real estate.

73

3 years ago

A startup that helps users make better decisions by blending data from the internet, social media, and behavior.

73

4 years ago

An online lending platform that lowers the costs of borrowing for micro-finance companies.

72

3 years ago

A platform that connects credit unions with small businesses. They want to increase lending and access to capital for small business owners.

71

3 years ago

LendUp is a peer-to-peer lending marketplace where people can lend money to their friends, family, or other people they know. It’s similar to sites like Lending Club and Prosper, but the startup is taking a different approach to the funding. It’s aiming to let people lend money to their friends and family, and the loans aren’t paid back until the borrower has used them to buy something.

71

3 years ago

A company that wants to help people get loans through peer-to-peer lending.

71

4 years ago

A peer-to-peer lending platform for SMEs in Latin America. It lets small businesses use the credit of their customers to finance their purchases.

70

4 years ago

A startup that allows people to buy and sell items “in real time” in addition to facilitating peer-to-peer lending. The B2B business has potential for companies looking to expand their lending options.

70

3 years ago

A small B2B company that wants to help banks use the same data to improve their core business and make better lending decisions.

70

3 years ago

Lending platform for micro-lending for people in areas of the world where banks don’t work. Empowering people with capital where it is needed most. The company wants to lend $1 billion in the first year.

69

3 years ago

A payment and lending platform for the sharing economy, including Airbnb and Uber. It allows people to borrow money and pay for things like ridesharing and home sharing, with some flexibility over the conditions of the loan.

69

4 years ago

This startup is building a real-time platform for banks to coordinate lending and investment by investors.

68

4 years ago

A solution for banks to help them manage the risk of their high-volume lending.

68

3 years ago

A startup that makes it easy for anyone to access inexpensive and highly profitable lending.

67

4 years ago

A startup that aims to make student loans more affordable through peer-to-peer lending. They’re making a loan from a pool of other students.

66

4 years ago

A provider of online peer-to-peer lending for B2B products.

65

3 years ago

A company that helps you get a loan, even if you’re a first-time client to a traditional lending institution.

62

4 years ago

A platform for peer-to-peer lending of solar panel equipment, allowing anyone to buy, sell or lease solar panels.

61

3 years ago

A small-business lending tool for online lenders.

60

2 years ago

A micro-lending service that helps small businesses get working capital. It’s been featured in Fast Company and VentureBeat

60

4 years ago

A tool for helping people find loans, credit, and other financing for their businesses. The startup is working with 16 businesses and 5 lending partners to help them manage their credit and credit lines.

59

3 years ago

A data visualization platform that aims to provide the most accurate and complete reports for credit risk. The idea is to provide a dashboard for banks to track risk, allowing them to make better lending decisions and cut down on bad loans.

59

3 years ago

A platform for peer-to-peer lending that enables lenders to invest in the loans themselves, not just collateralized debt obligations. The company provides the capital, and the seller gets the loan with a simple interface.

59

2 years ago

A small business lending platform for those who want to grow their business. The startup so far has funded over 300 companies with their credit platform to make loans.

59

3 years ago

A startup that gives businesses the ability to buy and sell used cars with a single service. The startup is also launching a lending program in the US to help ease the financing process.

58

3 years ago

A US-based company that’s building a lending platform for homeowners in Japan. The company’s offering is a line of credit that has a goal of 5% of the value of the property. They’re looking to launch in Tokyo and New York City.

57

3 years ago

A company that helps online lenders like Lending Club and Prosper to credit and underwrite loans in a more consistent and transparent manner.

57

3 years ago

A peer-to-peer (P2P) lending platform that directly connects borrowers with investors and is set to launch in the UK in 2015.

57

3 years ago

A company that helps banks manage their lending, which they believe can save banks $7 billion while also trying to move away from the traditional bank gatekeeper role.

57

3 years ago

A peer-to-peer lending marketplace, connecting small businesses with individual investors looking to lend them money.

57

3 years ago

Idea:A platform for peer-to-peer lending that makes it easier for lenders to find and connect with borrowers.

54

4 years ago

This startup is building an online tool for lenders to help them evaluate borrowers. The startup is already working with 15 lending partners, including Capital One and Citizens Bank.

53

3 years ago

A Bitcoin-based micro-loan startup, which aims to change the way the global $300 billion micro-lending market works by focusing on unbankable borrowers.

53

2 years ago

A peer-to-peer lending marketplace that aims to make consumer loans more accessible for online investors.

53

3 years ago

Looking to build a “personal” lending platform, one that allows users to borrow against their credit card balance.

52

3 years ago

This is a marketplace that helps people invest in the stock market through peer-to-peer lending.

51

3 years ago

A startup for lending money to credit unions, with no fees. The company has a lot of traction on this front, with many credit unions currently looking at the platform.

51

3 years ago

A lending platform designed to help consumers with bad credit get loans by using data from credit references and credit reports to gauge whether applicants are likely to pay back their loans.

50

3 years ago

A company that helps banks, loans, and credit unions automate their lending policies, typically for a lower cost than current analog solutions.

49

5 years ago

Idea: Sofi is a lending program for student loans They say they can get a loan to anyone in 6 minutes, and don’t charge a processing fee The company is currently lending $3,000 loans (via a credit line) to students

48

4 years ago

A company that wants to help manage people’s financial lives, from lending money to paying bills, with a focus on the elderly.

47

3 years ago

A decentralized marketplace for peer-to-peer lending, where lenders can lend to borrowers globally, with no minimum amount and no origination fees.

46

3 years ago

A startup that’s developing an email-based lending platform that lets small businesses borrow money from big businesses.

46

3 years ago

A lending platform for businesses that allows them to access the funding they need for their growth, when it’s needed. The startup has received $6 million in funding from Silicon Valley venture firms and is working with businesses in the Bay Area, New York and Washington DC.

46

3 years ago

A micro-lending startup that sets its own timelines for loan funding, instead of waiting for customers to have their credit histories evaluated by traditional banks.

45

3 years ago

A company that offers online credit scores that are more comprehensive and accurate. It’s for companies looking to better understand the risk of lending to consumers.

45

5 years ago

Idea: A peer-to-peer lending marketplace The startup offers an alternative to traditional banks, which the founders say offer high interest rates, but often have hidden fees

44

3 years ago

Building a system for lending on small business loans for microloans. The founders say it can help small businesses access capital and provide a better lending experience.

43

3 years ago

A startup that wants to build a decentralized network of credit unions in Latin America. It’s a peer-to-peer lending network and payment infrastructure that it says is more financially secure and open than many others.

43

3 years ago

An API for lending money to businesses and consumers, like a business loan or cash loan.

41

2 years ago

A startup that wants to help banks open lending programs quickly and easily to new small businesses.

41

2 years ago

Co-Working Capital is a peer-based lending platform that connects investors with small businesses that need funding.

41

2 years ago

A hybrid crowdfunding and peer-to-peer lending company that lets people borrow money to pay off high interest debt, starting with student loans.

40

2 years ago

This startup helps people connect with peer-to-peer lending startups and invest in them, using their skills to help loan companies grow and scale.

37

2 years ago

A platform that facilitates peer-to-peer lending.

37

2 years ago

A startup backing a peer-to-peer lending platform for payday loans. They currently have a $250,000 loan for a 1 year old from a customer that is paying back $50 a month.

35

2 years ago

“P2P lending for retail”, a way to help retailers get credit for inventory they can’t sell.

35

2 years ago

Build an agentless lending platform connecting traditional financial institutions with growing companies that are in need of capital.

35

3 years ago

A platform for lending to small businesses, allowing them to crowdfund with less paperwork. They’re currently focused on business loans, but the team has experience in consumer lending as well.

33

2 years ago

A new kind of lending platform, offering micro loans of around $50 to $300.

33

2 years ago

A consumer lending startup designed for giving people access to money, without having to pay a fee and without going through a lengthy credit check.

33

2 years ago

This startup is building a “social lending” tool that helps business owners become creditworthy without having to have a job.

32

2 years ago

This startup is building a fraud management platform for lenders, allowing them to manage and monitor their lending relationships.

32

2 years ago

Bitbond is a peer-to-peer lending platform for cryptocurrency loans. It currently has over $32 billion in loans outstanding.

31

2 years ago

A company working on consumer finance and credit. They have a $2 million loan portfolio and are working on a lending product.

30

2 years ago

It’s a P2P lending platform, where you can arrange loan payments with your friends and people who know you the best.

25

2 years ago

A startup that aims to help credit unions, banks, and other financial institutions build and manage lending and hedge funds on behalf of their members.

25

2 years ago

"a platform for banks to make lending decisions online by aggregating credit risk data from a wide range of data sources, including social media, from borrowers and loan officers".

25

2 years ago

An investment they’re funding personally with this round, social finance firm Monzo is a bank focused on making personal finance easy and accessible, with a minimalistic, simple interface and a rewards program that emphasizes savings. They’re experimenting with new products like peer-to-peer lending and a prepaid debit card.

22

2 years ago

The startup will bring a new type of “social lending” model to the world, where businesses can raise capital by selling equity instead of debt.

20

2 years ago

A company that aims to replace microfinance with pay-as-you-go lending, allowing consumers to make purchases and pay off loans over time.

17

2 years ago

Another online budgeting and personal finance management system, this time for P2P lending.

17

2 years ago

A global lending and financial services company that enables international businesses to raise capital and expand operations across international borders.

16

2 years ago

A small-business lending platform that helps businesses borrow $10,000 to $500,000 on reasonable terms.

15

2 years ago

A “social lending” startup that aims to get personal loans from friends, family, and neighbours. The company’s co-founders have backgrounds in financial technology.

14

2 years ago

A person-to-person lending marketplace, where borrowers can tap into a lender’s financial network to get loans.

14

2 years ago

A micro-lending company that helps low-income entrepreneurs get loans from their family or friends.

13

2 years ago

P2P lending platform for small businesses, with an app that allows for payments to be made to contractors with the promise of getting their invoices paid before the next pay-day.

12

5 years ago

A software company that helps banks and credit unions with their lending process.

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3 days ago 1 views

A platform for virtual pet adoption where AI companions evolve based on owner interactions, blending social media with emotional support tech.

-4

1 day ago

Peer-to-peer tool lending marketplace for neighborhoods, with insurance and delivery bots for power tools and lawn equipment.

-7

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