Prosper

What Prosper does

Prosper, as described in the firmographic input, is a small, privately held, for-profit company headquartered in San Francisco with 1-10 employees, founded in 2022. The structured firm-level data characterizes its offering as social marketing solutions for consumer brands. The company raised a $100,000 seed round from Right Side Capital Management in September 2022 and operates the domain getprosper.io, which at the time of input capture appeared to be parked or available for sale.

The input additionally contains extensive secondary data describing a Prosper-branded peer-to-peer personal loan marketplace (founded 2005, US) that connects individual borrowers with individual investors through bank partner WebBank, generating revenue from origination fees (up to 10% of loan amount) and loan servicing, with APRs ranging from 8.99% to 35.99% on loans of $2,000-$50,000. The same source set also references a separately operated Dubai-based Prosper entity that in 2026 launched what it describes as the UAE's first after-sale property lifecycle management platform unifying ownership, tenancy, mortgage intelligence, and investment performance for property stakeholders. The two legacy Prosper entities are described in the source material as unrelated to each other and to the current firmographic entity, and their relevance to the company being analyzed is not resolved in the input. The lending entity also carries a 2019 SEC settlement ($3M) for overstated investor returns, an A+ BBB rating, and a 4.5-star Trustpilot score across 14,000+ reviews.

Given the data conflicts, the most defensible description of the firmographic entity is a seed-stage, pre-product-market-fit company operating in the consumer social marketing space with minimal disclosed traction, while noting the substantial brand and operating history attached to the Prosper name across other, separately described entities.

Name

Prosper

Website

https://getprosper.io

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

Prosper is a small, privately held, seed-stage company founded in 2022 in San Francisco with 1-10 employees, described as providing consumer brands with social marketing solutions, and having raised $100,000 from Right Side Capital Management in 2022.

Ownership category

akta.pro rank

Product category

Peer-to-Peer Consumer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163)

akta.pro primary industry

Student Loan Marketplace Lending (FSAKAHAE)

akta.pro secondary industries

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM), P2P Loan Syndication & Participation Platforms (FSAKAHAL)

Keywords

• Peer-to-peer lending
• Personal loans marketplace
• Consumer lending platform
• Alternative lending
• Online loan origination

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Operations, Marketing or Sales, Personnel, Others

Revenue model

1. Loan Origination Fees: Prosper generates revenue through origination fees charged to borrowers, ranging up to 10% of the loan amount
2. Investor Servicing: Revenue generated from servicing loans for investors who fund borrowers through the platform

Pricing tiers

Distribution channels1 record

Marketing channels3 records

Core offering

Prosper operates a peer-to-peer personal loan marketplace that connects individual borrowers seeking loans with individual investors willing to fund them. Loans ranging from $2,000 to $50,000 are originated through bank partner WebBank and serviced through Prosper's platform, with APRs between 8.99% and 35.99% based on borrower creditworthiness.

Product overview

Prosper operates as two distinct companies with different core offerings: (1) Prosper (US) is a peer-to-peer personal loan marketplace founded in 2005 that connects borrowers with investors through bank partner WebBank, offering personal loans; (2) Prosper (UAE) is a Dubai-based property lifecycle management platform that unifies property ownership, tenancy, mortgage intelligence, and investment performance into a single hub. The two companies are unrelated and serve different markets and product categories.

Differentiator

Problem solved

Functional benefit

Products and services

• Prosper Personal Loans Peer-to-peer personal loan marketplace connecting individual borrowers with individual investors through bank partner WebBank, offering personal loans ranging from $2,000 to $50,000 with APRs between 8.99% and 35.99%, used for debt consolidation, home improvement, major purchases, and medical expenses.

Named customers2 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators3 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• LendingClub: The largest US peer-to-peer consumer lending marketplace, originating personal loans through a bank partner (WebBank historically) and funding them via individual and institutional investors — directly comparable marketplace model, ticket sizes, and fee structure to Prosper.
• Upstart: AI-driven consumer lending marketplace that partners with banks to originate personal loans and sells them to investors; competes with Prosper on similar borrower segments and has displaced much of the traditional P2P flow.
• Peerform: Former Prosper subsidiary operating as a standalone peer-to-peer personal loan marketplace with very similar borrower targeting, fee structure, and bank-partner origination as Prosper.

Emerging players

• Funding Circle: Operates a P2P-style marketplace lending model with bank partnerships, focused on small business lending rather than consumer, but uses a comparable marketplace origination and investor-funding architecture.
• Kiva: Nonprofit peer-to-peer lending platform that connects individual lenders with borrowers across consumer and small business categories; comparable as a marketplace lender with a two-sided platform model.
• Credible: Operates a personal loan (and student loan) marketplace that aggregates multiple lenders for borrowers — a similar broker-style approach but with a multi-lender rather than P2P investor funding model.
• Earnest: Online consumer lender offering personal loans (and student loan refinancing) with a digital underwriting focus; competes with Prosper for prime and near-prime consumer credit seekers.
• Avant: Online consumer lender focused on near-prime and subprime personal loans, mirroring Prosper's average borrower profile and APR band; competing in the same origination channels.
• Best Egg: Digital personal loan platform offering prime and near-prime personal loans through bank-partner origination; competes head-to-head with Prosper on loan size, target borrower, and online distribution.

Broad incumbents

• SoFi: Direct-to-consumer personal loan provider with a deposit-taking charter and broad financial product portfolio; overlaps with Prosper on personal loans but operates as a chartered bank at much greater scale.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Prosper