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LendingRobot

Full company profile

uuid0009lt3

Namestring
LendingRobot
Websiteurl
LendingRobot.com
Company typeenum
Private
Founded yearint
2012
Descriptiontext

LendingRobot is a private, for-profit fintech company founded in 2012 and headquartered in Denver, United States. It operates a robo-advisor investment platform that automates portfolio construction and allocation across peer-to-peer (P2P) lending marketplaces. The product targets retail investors seeking diversified exposure to consumer loan assets without manually selecting, bidding on, and rebalancing hundreds of individual loans.

The underlying technology is an algorithmic engine that ingests available loan inventory from P2P marketplaces, applies scoring and diversification rules, and continuously reinvests principal and interest repayments according to user-defined risk parameters. The company maintains a legacy web property at a 'classic' subdomain, indicating at least one prior product iteration. No specific AI/ML architecture, model stack, or data assets are disclosed in the input.

The business model is consistent with P2P robo-advisory peers — likely a combination of asset-based management fees and/or subscription pricing on automated portfolios, though the input does not confirm pricing mechanics, AUM, or customer count. LendingRobot has raised an estimated $3M-plus across three disclosed funding rounds (a 2014 seed from Club Italia Investimenti 2, a 2015 round led by Runa Capital, and a 2018 round led by FinSight Ventures). With 11–50 employees and no disclosed post-2018 operational signals, the company appears to operate at a small, sustained scale within the structurally contracted P2P lending category.

Short descriptiontext

LendingRobot is a Denver-based fintech that operates an automated robo-advisor platform enabling retail investors to build and manage diversified portfolios across peer-to-peer lending marketplaces through algorithmic loan allocation.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
11–50
akta.pro rankint
HeadquartersDenver, United States
HQ citystring
Denver
HQ countrystring
United States
HQ regionstring
North America
Markets served

Serves global market

Keyword5 values
automated investing, peer-to-peer lending, robo-advisor platform, portfolio automation, lending investment management
Industry3 codes
1Consumer P2P Personal Loans (Unsecured)
CodeFSAKAHAAPrimaryYes
2P2P Loan Syndication & Participation Platforms
CodeFSAKAHALPrimaryNo
3Pricing, Risk-Based Offer & Limit Management
CodeFSAGAHAEPrimaryNo
NAICS code3 codes
  • Mortgage and Nonmortgage Loan Brokers522310
  • Nondepository Credit Intermediation5222
  • Consumer Lending522291
SIC code2 codes
  • Loan Brokers6163
  • Investment Advice6282
Product category
Robo-Advisory / Automated Peer-to-Peer Lending Investing
Cost components4 values
Technology or R&D, Personnel, Operations, Marketing or Sales
GTM typeB2C
B2C
Offering typeSoftware
Software
Core offering1 text field

LendingRobot operates an automated investing platform for peer-to-peer lending. It manages investor portfolios by algorithmically selecting and optimizing loan investments, removing the need for investors to manually pick and rebalance individual p2p notes. The offering targets individual investors seeking diversified, hands-off exposure to consumer or small-business loans originated on p2p lending platforms.

Differentiator
Functional benefit
Problem solved
Product overview1 text field

LendingRobot is a single unified product offering automated investing services in the peer-to-peer lending market. The platform enables investors to automate their peer lending portfolios through algorithmic portfolio management.

Product and service1 record
1LendingRobot
CategoryRobo-Advisory / Automated Investing
Description

Automated investing platform that algorithmically selects, diversifies, and optimizes peer-to-peer loan investments on behalf of individual investors, providing hands-off exposure to the p2p lending asset class.

Recent move3 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight2 records

Each record includes

Type, Description

Peers10 records
1Betterment
TypeBroad incumbent
Description

Major robo-advisor with automated portfolio management for retail investors. Comparable business model of algorithm-driven investment management, though focused on diversified portfolios rather than P2P credit.

2Upstart
TypeBroad incumbent
Description

AI-driven online lending platform offering consumer loans and auto lending. Comparable online lending category with similar retail-investor and consumer credit exposure, though operates as an originator rather than a passive investor platform.

3SoFi
TypeBroad incumbent
Description

Large fintech combining consumer lending, wealth management (robo-advisor), and deposit products. Overlaps with LendingRobot where SoFi offers automated investing and has historically been active in P2P/marketplace credit.

4Groundfloor
TypeDirect peer
Description

Peer-to-peer real estate lending platform enabling retail investors to fund individual loans. Comparable as a P2P lending venue where LendingRobot's automation layer could be applied to loan selection.

5Wealthfront
TypeBroad incumbent
Description

Leading robo-advisor offering automated portfolio management. Comparable as an automated investing platform, though Wealthfront's focus is on traditional asset classes rather than P2P loans.

6PeerStreet
TypeDirect peer
Description

Peer-to-peer real estate lending platform with retail investor access. Comparable as a marketplace lender whose loan inventory could be targeted by LendingRobot's automated selection engine.

7Prosper Marketplace
TypeDirect peer
Description

Major U.S. peer-to-peer consumer lending platform. Directly comparable to LendingClub as an originating P2P venue where LendingRobot's automation layer adds value for retail investors.

8Funding Circle
TypeDirect peer
Description

Online marketplace lending platform focused on small business loans. Comparable as a marketplace lending venue whose loan inventory could be accessed via LendingRobot's automation tooling.

9LendingClub
TypeDirect peer
Description

Largest U.S. peer-to-peer consumer lending platform. LendingRobot operates on top of LendingClub-style loan inventory, providing automated portfolio selection for investors who would otherwise pick loans manually on LendingClub.

10NSR Invest (now part of Orion Advisor Technology)
TypeEmerging player
Description

Provider of P2P lending automation tools for advisors and investors - effectively the closest direct analogue to LendingRobot - now part of Orion Advisor Technology. Comparable as a robo-advisor overlay on P2P loan marketplaces.

Market position
Strengths3 records

Each record includes

Headline, Details, Source

Weaknesses4 records

Each record includes

Headline, Details, Source

Competitive moat3 records

Each record includes

Type, Details

Key risks5 records

Each record includes

Headline, Details, Source

Key highlights4 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Ideal customer profile1 record

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
Yes
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Core technology
Revenue estimate
Valuation estimate
Number of profiles
No data
No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds3 records

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors3 records

Each record includes

Name, Type, Date of entry, Rounds participated, Website

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

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

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

LendingRobot

Robo-Advisory / Automated Peer-to-Peer Lending InvestingLendingRobot.com

LendingRobot is a Denver-based fintech that operates an automated robo-advisor platform enabling retail investors to build and manage diversified portfolios across peer-to-peer lending marketplaces through algorithmic loan allocation.

What LendingRobot does

LendingRobot is a private, for-profit fintech company founded in 2012 and headquartered in Denver, United States. It operates a robo-advisor investment platform that automates portfolio construction and allocation across peer-to-peer (P2P) lending marketplaces. The product targets retail investors seeking diversified exposure to consumer loan assets without manually selecting, bidding on, and rebalancing hundreds of individual loans.

The underlying technology is an algorithmic engine that ingests available loan inventory from P2P marketplaces, applies scoring and diversification rules, and continuously reinvests principal and interest repayments according to user-defined risk parameters. The company maintains a legacy web property at a 'classic' subdomain, indicating at least one prior product iteration. No specific AI/ML architecture, model stack, or data assets are disclosed in the input.

The business model is consistent with P2P robo-advisory peers — likely a combination of asset-based management fees and/or subscription pricing on automated portfolios, though the input does not confirm pricing mechanics, AUM, or customer count. LendingRobot has raised an estimated $3M-plus across three disclosed funding rounds (a 2014 seed from Club Italia Investimenti 2, a 2015 round led by Runa Capital, and a 2018 round led by FinSight Ventures). With 11–50 employees and no disclosed post-2018 operational signals, the company appears to operate at a small, sustained scale within the structurally contracted P2P lending category.

LendingRobot firmographics

Firmographics
Name
LendingRobot
Website
https://LendingRobot.com
Company type
Private
Founded year
2012
Operating status
Operating
Headcount range
11–50 employees
Short description
LendingRobot is a Denver-based fintech that operates an automated robo-advisor platform enabling retail investors to build and manage diversified portfolios across peer-to-peer lending marketplaces through algorithmic loan allocation.
Ownership category
akta.pro rank

LendingRobot industry classification

Industry
Product category
Robo-Advisory / Automated Peer-to-Peer Lending Investing
NAICS
Mortgage and Nonmortgage Loan Brokers (522310), Nondepository Credit Intermediation (5222), Consumer Lending (522291)
SIC
Loan Brokers (6163), Investment Advice (6282)
akta.pro primary industry
Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
akta.pro secondary industries
P2P Loan Syndication & Participation Platforms (FSAKAHAL), Pricing, Risk-Based Offer & Limit Management (FSAGAHAE)

Keywords

  • Automated investing
  • Peer-to-peer lending
  • Robo-advisor platform
  • Portfolio automation
  • Lending investment management

Where LendingRobot is headquartered

Location

Headquarters

HQ city
Denver
HQ country
United States
HQ region
North America

Markets served

LendingRobot business model

Business model
GTM type
B2C
Offering type
Software
Cost components
Technology or R&D, Personnel, Operations, Marketing or Sales

LendingRobot product offering

Product offering

Core offering

LendingRobot operates an automated investing platform for peer-to-peer lending. It manages investor portfolios by algorithmically selecting and optimizing loan investments, removing the need for investors to manually pick and rebalance individual p2p notes. The offering targets individual investors seeking diversified, hands-off exposure to consumer or small-business loans originated on p2p lending platforms.

Product overview

LendingRobot is a single unified product offering automated investing services in the peer-to-peer lending market. The platform enables investors to automate their peer lending portfolios through algorithmic portfolio management.

Differentiator

Problem solved

Functional benefit

Products and services

  • LendingRobot Automated investing platform that algorithmically selects, diversifies, and optimizes peer-to-peer loan investments on behalf of individual investors, providing hands-off exposure to the p2p lending asset class.

Companies that use LendingRobot

Customer profile

Ideal customer profiles1 record

LendingRobot technology and API

Technology

Technology focussed Yes

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

LendingRobot partnerships and signals

Strategic signal

Recent moves3 records

Expansion highlights2 records

LendingRobot competitors and assessment

Company assessment

Broad incumbents

  • Betterment: Major robo-advisor with automated portfolio management for retail investors. Comparable business model of algorithm-driven investment management, though focused on diversified portfolios rather than P2P credit.
  • Upstart: AI-driven online lending platform offering consumer loans and auto lending. Comparable online lending category with similar retail-investor and consumer credit exposure, though operates as an originator rather than a passive investor platform.
  • SoFi: Large fintech combining consumer lending, wealth management (robo-advisor), and deposit products. Overlaps with LendingRobot where SoFi offers automated investing and has historically been active in P2P/marketplace credit.
  • Wealthfront: Leading robo-advisor offering automated portfolio management. Comparable as an automated investing platform, though Wealthfront's focus is on traditional asset classes rather than P2P loans.

Direct peers

  • Groundfloor: Peer-to-peer real estate lending platform enabling retail investors to fund individual loans. Comparable as a P2P lending venue where LendingRobot's automation layer could be applied to loan selection.
  • PeerStreet: Peer-to-peer real estate lending platform with retail investor access. Comparable as a marketplace lender whose loan inventory could be targeted by LendingRobot's automated selection engine.
  • Prosper Marketplace: Major U.S. peer-to-peer consumer lending platform. Directly comparable to LendingClub as an originating P2P venue where LendingRobot's automation layer adds value for retail investors.
  • Funding Circle: Online marketplace lending platform focused on small business loans. Comparable as a marketplace lending venue whose loan inventory could be accessed via LendingRobot's automation tooling.
  • LendingClub: Largest U.S. peer-to-peer consumer lending platform. LendingRobot operates on top of LendingClub-style loan inventory, providing automated portfolio selection for investors who would otherwise pick loans manually on LendingClub.

Emerging players

  • NSR Invest (now part of Orion Advisor Technology): Provider of P2P lending automation tools for advisors and investors - effectively the closest direct analogue to LendingRobot - now part of Orion Advisor Technology. Comparable as a robo-advisor overlay on P2P loan marketplaces.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights4 records

Customer concentration

LendingRobot social profiles

Digital presence

LendingRobot financial estimates

Financial estimate

Revenue estimate

Valuation estimate

LendingRobot leadership team

Management profile

Number of profiles

LendingRobot funding detail

Funding detail

Funding overview

Funding rounds3 records

Investors3 records

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

LendingRobot M&A and investment

M&A and investment

M&A

Investments

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

Frequently asked questions about LendingRobot

What does LendingRobot do?

LendingRobot operates an automated investing platform for peer-to-peer lending. It manages investor portfolios by algorithmically selecting and optimizing loan investments, removing the need for investors to manually pick and rebalance individual p2p notes. The offering targets individual investors seeking diversified, hands-off exposure to consumer or small-business loans originated on p2p lending platforms.

When was LendingRobot founded?

LendingRobot was founded in 2012. It employs 11 to 50 people.

Where is LendingRobot based?

LendingRobot is headquartered in Denver, United States, in the North America region.

Who are LendingRobot's main competitors?

Broad incumbents on record are Betterment, Upstart, SoFi and Wealthfront. Direct peers are Groundfloor, PeerStreet, Prosper Marketplace, Funding Circle and LendingClub. NSR Invest (now part of Orion Advisor Technology) is listed as an emerging player.

Does LendingRobot have an API?

No public API is recorded for LendingRobot.

What industry is LendingRobot in?

LendingRobot's product category is Robo-Advisory / Automated Peer-to-Peer Lending Investing. Its primary akta.pro industry code is FSAKAHAA, Consumer P2P Personal Loans (Unsecured), with a secondary code of FSAKAHAL, P2P Loan Syndication & Participation Platforms. Its NAICS code is 522310 and its SIC code is 6163.

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Live signals
CrowdFund InsiderLendingRobot Acquired by Lime FinancialLime Financial has acquired LendingRobot, becoming its majority owner in a transaction for which specific financial details were not disclosed. Lime Financial plans to integrate LendingRobot's portfolio construction and management tools with its existing catalog of financial products to enhance accessibility for clients.FinSMEsNSR Invest and LendingRobot MergeNSR Invest and LendingRobot merged, with Lend Core acquiring Algorithmic and its assets. Financial terms were not disclosed. The combined company will focus on LendingRobot Series, a robo-fund for alternative lending, with Bo Brustkern as CEO and Emmanuel Marot as special advisor.PR NewswireNSR Invest and LendingRobot merge to become the largest robo-advisor in the alternative lending space.Lend Core LLC has acquired Algorithmic, Inc., merging its subsidiary NSR Invest with LendingRobot to form the largest independent advisory platform for alternative lending. The combined entity will leverage machine learning and blockchain technologies to serve over 8,000 clients and manage more than $150 million in assets.Business InsiderA startup somehow bundled 3 of the buzziest areas of finance into a single hedge fundLendingRobot launched LendingRobot Series, a robo-hedge fund combining peer-to-peer lending with blockchain transparency, on January 26. The fund manages $120 million in assets and offers 8-10% returns, charging a 1% management fee with no performance cut. CEO Emmanuel Marot said traditional hedge funds must adapt or face obsolescence.PR NewswireMillennium Trust Company® Closes Year on High Note with Expanded Management Team and more than $20 Billion in Assets under CustodyMillennium Trust Company reported reaching $20.8 billion in assets under custody and expanded its management team with new executive hires in 2016. The firm launched the Millennium Alternative Investment Network (MAIN), which connected investors to alternative assets through platforms such as EquityMultiple and LendingRobot. Additionally, the company introduced new online search tools for unclaimed retirement funds and expanded custody services for '40 Act Funds.CrowdFund InsiderLendingRobot Files to Form Pooled Investment FundLendingRobot filed a Form D 506c with the SEC to create a pooled investment fund for marketplace lending assets, with a $100,000 minimum investment. The robo-advisor, which manages over $100 million in assets, targets higher-net-worth investors, moving upstream from its retail focus.CrowdFund InsiderLendingRobot for Advisors Launches Connecting to Lending Club PlatformLendingRobot launched LendingRobot for Advisors, a service connecting registered investment advisors to Lending Club loans via Millennium Trust's custodial services. The service charges $25 per account and 3.75 bps monthly AUM, with Prosper and Funding Circle expected to join soon.CrowdFund InsiderLendingRobot Launches First “Pro” Feature for Robo-Advisor for Lending Club LoansLendingRobot launched adaptive portfolio rebalancing (AdPR) for Lending Club loans, allowing automatic rebalancing and pruning of underperforming loans. The feature is available only to customers with $20,000 or more, and LendingRobot manages $100 million in client funds.TechCrunchLending Robot makes Lending Club investing easy as setting screen brightnessLending Robot has simplified its peer-to-peer lending investment platform by introducing a risk-preference slider, allowing casual investors to easily trade loans on the Lending Club primary and secondary markets. The company utilizes machine learning to analyze credit data and execute transactions, reporting that assets managed have tripled over the last year with an average 9 percent return for customers. CEO Emmanuel Marot aims to provide high-yield returns comparable to savings accounts while navigating growth expectations in the peer lending market.CrowdFund InsiderLendingRobot CEO Emmanuel Marot Shares Views on P2P/Marketplace Lending IndustryLendingRobot CEO Emmanuel Marot discussed the peer-to-peer lending industry, noting the company has facilitated over 2.5 million investments and grown to 5,000 clients with $90M in assets. He predicted US peer lending originations will exceed $50B in 2016 and warned that one new entrant may face regulatory trouble.