In LendingClub’s early days, 100% of the loans were backed by individual investors transacting through our website. As we’ve built our performance track record, we’ve added new ways to invest in consumer credit, attracting a broader range of investors. Beyond individuals purchasing Notes through our investment platform, institutional investors such as foundations, pension funds, and insurance companies have begun investing through managed accounts and various other investment vehicles.
The range of investors bring a variety of risk appetites that enable us to facilitate loans across all risk grades, from A to E*, and to support new products. We remain committed to our retail investors, and are continually developing new features and functionality to enhance the retail investing experience.
Standard Program Loans (by year)
Data as of December 31, 2015
*As of November 7, 2017, F and G grade Notes are no longer available on the LendingClub investor platform.