LendingRobot

LendingRobot was a United States financial-technology service focused on automating investments in peer-to-peer lending. Based in Seattle, Washington, the company was designed for individual investors who wanted to allocate money across loans without manually reviewing and purchasing each note. Its service initially centered on Lending Club and later added support for Prosper Marketplace, while also developing tools for secondary-market trading and monitoring across multiple lending platforms. The business began as a private automation script created by Emmanuel Marot and Gilad Golan for their own Lending Club investments. The founders observed that the most attractive loans could disappear from the marketplace within seconds of publication, creating a practical need for software that could evaluate and place investments quickly. After testing the concept with outside users beginning in September 2013, LendingRobot expanded access while operating in private beta. The company reached several early milestones in 2014. It added Prosper Marketplace support in February, exited beta in April, and introduced automated secondary-market note trading through FOLIOfn, a platform associated with Lending Club note trading. It also became registered with the United States Securities and Exchange Commission as an investment adviser in April 2014. That registration made LendingRobot notable within the peer-to-peer lending sector, where it was described as the first SEC-registered investment adviser in the industry. LendingRobot subsequently broadened its platform relationships. In September 2015 it announced a partnership with Lending Club connected with the Lending Club Open Integration initiative, allowing investors to open accounts through third-party websites. In November of the same year, it announced an arrangement with Funding Circle intended to give clients access to fractional business loans. In April 2016, the company released a multi-marketplace monitoring application for iOS and Android, extending its service beyond automated account management into cross-platform portfolio oversight. The available reference material does not establish LendingRobot's current operating status, present ownership, current management, or whether its investment service remains available. Its historical positioning was that of an automated, technology-led access layer for retail participation in marketplace lending rather than a traditional bank or lender. The service's principal value proposition was speed, diversification, and reduced manual effort when investing in peer-to-peer and online business loans.

LendingRobot originated when Emmanuel Marot and Gilad Golan built a small script to automate their personal investments on Lending Club. The founders encountered a timing problem common to marketplace lending: loans perceived as attractive could be fully taken within seconds of appearing on the platform. Their initial tool was therefore intended to automate the selection and purchase process rather than operate as a conventional financial institution. The founders began testing the service with external users in September 2013. LendingRobot continued to admit users during a private-beta period while refining its automation approach. The company expanded its platform coverage in February 2014 by adding Prosper Marketplace, giving users access to more than one major peer-to-peer lending marketplace. In April 2014, LendingRobot exited beta. Around the same period, it became registered as an investment adviser with the United States Securities and Exchange Commission. The company was described in its reference material as the first SEC-registered investment adviser in the peer-to-peer lending industry. It also became the first service to offer automated secondary-market note trading on FOLIOfn, a note-trading platform associated with Lending Club. This extended its role from primary-market loan selection into the management and trading of existing lending notes. LendingRobot attracted early venture financing during its formative period, including a seed round in 2014 and a Series A round reported in January 2015. The available source material identifies Runa Capital as the lead investor for the Series A but does not provide a source URL suitable for independently documenting the financing amounts in this dossier. The company was also included by Fox Small Business in a list of fintech startups to watch. Its partnership strategy became more prominent in 2015. On September 3, LendingRobot announced a relationship with Lending Club connected to Lending Club Open Integration. The initiative allowed investors to open accounts through third-party websites and positioned LendingRobot as an external technology layer around a major lending marketplace. On November 20, the company announced a partnership with Funding Circle, aimed at giving clients access to fractional business loans. On April 4, 2016, LendingRobot launched a multi-marketplace monitoring application through the iOS App Store and Google Play. The application reflected the company's broader direction toward consolidated monitoring of lending portfolios across platforms rather than single-marketplace automation alone. The reference material does not document a later ownership change, acquisition, shutdown, or current product availability. Consequently, LendingRobot's present status is recorded as unknown. Historically, the company occupied a specialized position at the intersection of automated investing, peer-to-peer lending, secondary-market note trading, and retail financial technology.

• 2016

  Multi-marketplace monitoring app released

  [1]LendingRoboten.wikipedia.org

  LendingRobot launched a monitoring application through the iOS App Store and Google Play.

• 2015

  Lending Club Open Integration partnership

  [1]LendingRoboten.wikipedia.org

  LendingRobot announced a partnership connected with Lending Club's Open Integration initiative for third-party account opening.

• 2015

  Funding Circle partnership

  [1]LendingRoboten.wikipedia.org

  The company announced a partnership to provide access to fractional business loans through Funding Circle.

• 2014

  Prosper Marketplace support added

  [1]LendingRoboten.wikipedia.org

  The service expanded its marketplace coverage by adding support for Prosper Marketplace.

• 2014

  Beta exit and secondary-market automation

  [1]LendingRoboten.wikipedia.org

  LendingRobot exited beta and introduced automated secondary-market note trading through FOLIOfn for Lending Club-related notes.

• 2014

  SEC investment-adviser registration

  [1]LendingRoboten.wikipedia.org

  The company became registered as an investment adviser with the United States Securities and Exchange Commission.

• 2013

  External-user testing begins

  [1]LendingRoboten.wikipedia.org

  LendingRobot began testing its automated peer-to-peer lending investment service with users outside the founding team while remaining in private beta.

A technology-driven investment automation service for retail investors participating in marketplace and peer-to-peer lending.

• Investment automation

  Automated peer-to-peer lending investment service

  LendingRobot's core service automated the process of investing retail funds in marketplace-lending notes. It was created to respond quickly to newly listed loans and reduce the need for investors to manually review and purchase notes. The service initially focused on Lending Club and later incorporated other marketplaces.

• Secondary-market trading · 2014

  Secondary-market note trading automation

  After leaving beta, LendingRobot offered automated trading of Lending Club-related notes through FOLIOfn. This capability broadened the platform from selecting newly issued loans to helping investors manage transactions in an established secondary market.

• Portfolio monitoring software · 2016

  Multi-marketplace monitoring application

  The multi-marketplace monitoring application was designed to give users a consolidated view of lending investments across supported platforms. It was released for iOS and Android distribution, extending LendingRobot's service into mobile portfolio oversight.

• 2015

  Partnered with Lending Club on Open IntegrationStrategy

  Background

  Lending Club introduced an initiative intended to let investors open accounts through third-party websites.

  Action taken

  LendingRobot became a partner aligned with the Open Integration initiative.

  Aftermath

  The partnership reinforced LendingRobot's role as a third-party technology and distribution layer for marketplace lending.

  Source

• 2015

  Added Funding Circle accessStrategy

  Background

  LendingRobot sought to extend beyond consumer peer-to-peer notes into online business lending.

  Action taken

  The company announced a partnership with Funding Circle to offer clients access to fractional business loans.

  Aftermath

  The initiative widened the types of loans available through the service, although the source material does not document its later scale or outcome.

  Source

• 2014

  Expanded from primary-market automation into secondary-market tradingProduct launch

  Background

  LendingRobot had initially focused on automating purchases of newly listed peer-to-peer lending notes, particularly on Lending Club.

  Action taken

  The company introduced automated secondary-market note trading through FOLIOfn and exited its private-beta phase.

  Aftermath

  The move expanded the service's potential role in managing existing notes as well as purchasing new ones.

  Source

• 2014

  Added support for a second lending marketplaceStrategy

  Background

  The original service was built around Lending Club investments, limiting users to one major marketplace.

  Action taken

  LendingRobot added support for Prosper Marketplace.

  Aftermath

  The platform broadened its marketplace coverage and became less dependent on a single peer-to-peer lending venue.

  Source

• 2016

  LendingRobot launches multi-marketplace monitoring application[1]LendingRoboten.wikipedia.org

  Product launch

  LendingRobot released a monitoring application for Apple's App Store and Google Play, extending portfolio oversight across multiple lending marketplaces.

• 2015

  LendingRobot partners with Lending Club through Open Integration[1]LendingRoboten.wikipedia.org

  M&A

  LendingRobot announced a partnership associated with Lending Club's Open Integration initiative, enabling investors to open accounts through third-party websites.

• 2015

  LendingRobot announces Funding Circle partnership[1]LendingRoboten.wikipedia.org

  Product launch

  The company announced a partnership intended to provide clients with access to fractional business loans originated through Funding Circle.

• 2014

  LendingRobot adds Prosper Marketplace support[1]LendingRoboten.wikipedia.org

  Product launch

  The service expanded beyond Lending Club by adding support for Prosper Marketplace, broadening the lending platforms available to its users.

• 2014

  LendingRobot exits beta and introduces secondary-market automation[1]LendingRoboten.wikipedia.org

  Product launch · Product generation

  LendingRobot left private beta and offered automated secondary-market note trading through FOLIOfn for Lending Club-related notes.

• 2014

  LendingRobot registers as an SEC investment adviser[1]LendingRoboten.wikipedia.org

  Regulation

  The company became registered with the United States Securities and Exchange Commission as an investment adviser, a notable regulatory milestone for a peer-to-peer lending automation provider.

1. 1LendingRoboten.wikipedia.org