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LendingClub SWOT and PESTLE Analysis

ID : 52848453| Feb 2023| 15 pages

COMPANY PROFILE -LendingClub

Business Sector :Financial Services

Operating Geography :United States, North America

About LendingClub :

LendingClub is an American peer-to-peer lending company. It has it’s headquarters in San Francisco, California. The company was the foremost peer-to-peer lender to record its offering as securities with the Securities and Exchange Commission (SEC) and to provide loan trading on a secondary market. It was first launched on Facebook as one of it’s first application. Later, the company expanded into a full-scale peer-to-peer lending company. Lending Club allows its borrowers to generate loan listing on its website by providing details about themselves and about their loan request. Post application, the company will determine whether the borrower will be granted the requested loan on the basis of borrower's credit score, credit history, desired loan amount and the borrower's debt to income ratio. The standard loan is for three years. Lending Club has also started partnering with smaller banks to help streamline their small loan operations and roll out loans to small businesses. It also offers car loan and mortgages. In 2020, the company announced its discontinuity in secondary trading platform, hosted by Folio, decreasing liquidity for existing peer-to-peer investors. From December 31, 2020 LendingClub called down the curtains on retail P2P offering. The company has been recognized by Forbes as one of American's 20 most promising companies.
Lending Club's Unique Selling Proposition or USP lies in it being one of most innovative financial companies in the world. Lending Club's mission statement reads, " To transform the banking system to make credit more affordable and investing more rewarding."

LendingClub Revenue :


$758.61 million – for the year 2019 (Growth 9.18%)
$694.81 million – for the year 2018

Competitive Analysis of LendingClub

SWOT
PESTLE
The SWOT analysis for LendingClub is presented below in a table followed by the detailed analysis report.
StrengthsWeaknesses
1. Largest online marketplace in United States connecting borrowers to investors
2. Acquisition of Radius Bank becomes first fintech takeover of bank
3. Strong liquidity position with fair value of capital in additional loans
4. Large and loyal base of existing members
1. Leading financial strength in marketplace highly depends on investor participation
2. Borrower’s failing to repay is increasing risk of unsecured loans
3. Relationship with WebBank is critical to the current business model
OpportunitiesThreats
1. Alternate lending’s can scale new verticals through expansion like real estate lending
2. Lending Club can expand its market place to different geographies
3. Acquisition of Radius to allow launch of offerings of traditional lenders through LendingClub Bank
1. Substantial new competitors will impact business
2. Evolving and uncertain regulatory framework for online lending marketplaces
3. Macroeconomic uncertainty driven by pandemic and high unemployment in the United States
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Detailed SWOT Analysis of LendingClub

Strength

1. Largest online marketplace in United States connecting borrowers to investors:LendingClub is an alternative lending company headquartered in San Francisco, California. It was registered and setup in 2006 and has now become the world’s largest alternate lending platform. LendingClub’s operational pillars are borrowers and investors. It helps borrowers to lend an amount between $1000 to $40000 with the standard loan period being three years. Investors search the loan listings and decide on which loan to invest on depending upon the information available. Their shift to higher quality credit over time has improved the profile of average borrowers. LendingClub has been focused to service and support borrowers and investors return, both making it the largest digital marketplace for peer-to-peer lending.

2. Acquisition of Radius Bank becomes first fintech takeover of bank: Most organizations undertake acquisitions and mergers in order to increase their customer base and wallet share. LendingClub is a fintech firm as it offers loans or lending services through a digital platform. LendingClub is the first fintech to acquire Radius Bank. This acquisition is a smart move as LendingClub wants to expand its services beyond being just a lending marketplace. With this acquisition it has also taken a step towards targeting multiple businesses with Radius Banks API’s and customer relationship management tools. This will help LendingClub to invite and attract both borrowers and investors and provide them with transactional platform and high processing capability.

The remaining section of “Strength” is available only in the 'Complete Report' on purchase.

Weakness

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Opportunity

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Threats

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Major Competitors :

  • SoFi
  • Avant
  • ApplePie Capital
  • Dealstruck
  • Lendr
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References used in LendingClub SWOT & PESTLE Analysis Report

1. LendingClub's Tips for a Financially Healthier 2021 - https://ir.lendingclub.com/news/default.aspx
2. Why LendingClub’s Acquisition Of Radius Bank Is A Smart Deal - https://www.forbes.com/sites/ronshevlin/2020/02/21/why-lending-clubs-acquisition-of-radius-bank-is-a-smart-deal/?sh=20a609f044eb
3. ANNUAL REPORT For the fiscal year ended December 31, 2019 - For the fiscal year ended December 31, 2019 - https://www.annualreports.com/HostedData/AnnualReports/PDF/NYSE_LC_2019.pdf
4. LendingClub cuts approval rates for high-risk borrowers as coronavirus spreads - https://www.reuters.com/article/us-health-coronavirus-lendingclub/lendingclub-cuts-approval-rates-for-high-risk-borrowers-as-coronavirus-spreads-idUSKBN21H3GR
5. Expect surge in mergers of equals in '21, industry veteran says - https://www.americanbanker.com/news/lendingclub-reinforces-its-cyber-defenses
The detailed complete set of references are available on request in the 'Complete report' on purchase.

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LendingClub SWOT and PESTLE Analysis - SWOT & PESTLE.COM

SWOT & PESTLE.com (2025). LendingClub SWOT and PESTLE Analysis - SWOT & PESTLE.com. [online] Available at: https://www.swotandpestle.com/lending-club/ [Accessed 14 Jan, 2025].

In-text: (SWOT & PESTLE.com, 2025)

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LendingClub SWOT and PESTLE analysis has been conducted by Akshay Mohan and reviewed by senior analysts from Barakaat Consulting.

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