Google buys minority stake in Lending Club

Google has become a minority stake-holder in Lending Club after leading a $125 million deal to buy a share in the peer-to-peer loan specialist from existing investors.

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Google buys minority stake in Lending Club

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The deal - which also includes existing investor Foundation Capital among the buyers - values Lending Club at $1.55 billion, according to the New York Times, a nearly 300% rise from last summer when a $15 million funding round was closed.

An initial public offering could now be in the works for some time next year.

Google's vice president of corporate development, David Lawee, will take an observer seat on the Lending Club board alongside existing heavyweights Mary Meeker, John Mack and Larry Summers.

"Lending Club is using the Internet to reshape the financial system and profoundly transform the way people think of credit and investment. We are excited to be a part of it," says Lawee.

Lending Club launched in 2007, providing an online forum where potential borrowers and lenders can thrash out terms of a deal. Initially it operated within Facebook but soon broke out, claiming strong interest in its services.

However, the following year the start-up, and the entire nascent social lending industry, ran into regulatory trouble. Lending Club and rivals Prosper and Loanio were all forced to stop taking new loans and register with the SEC.

Since overcoming its initial regulatory problems, the company has grown strongly though and has now facilitated more than $1.65 billion in loans, $350 million in the last quarter.

The firm has also branched out through a wholly-owned subsidiary, LC Advisors, launching several funds in the last two years and now holding more than $450 million in assets under management.

It is not the only P2P marketplace picking up momentum - in January rival Prosper raised $20 million and appointed Wells Fargo bigwig Stephan Vermut as CEO.

Meanwhile, on the other side of the pond, the UK government, frustrated by high street banks' unwillingness to lend to small and medium sized businesses, is handing over millions of pounds to P2P outfits to distribute.

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Comments: (2)

Nigel Woodward

Nigel Woodward Director at WWFMS Ltd

This is an exciting development and has been on radar for some time. Quantitative easing has struggled to get to the SMEs and subject to management of risk with a suitable enabling (as opposed to overhead)regulatory framework,  harnessing new social and online channels is a paradigm shifting new model.

Gary Wright

Gary Wright 

I was asked at a recent book launch my views on peer to peer lending by a cross section of industry and investors. In my view this is the most exciting development in FS for a hundred years. Although on the face of it back to the coffee shops it has the benefit of new technology and apetite of a frustrated and angry soceity with banks and the virtual regulatory straightjacket of banks making it hard to lend. SMEs and Governments are crying out for capital liquidity and this fits the requirement very well

With new banks having to cough up huge expenses before a customer walks through the door this type of business will just grow and fast

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