Lending Club is an online platform that connects borrowers with investors. It allows individuals and small businesses to apply for personal loans, which are funded by investors who earn interest on the money they lend. The platform uses technology to assess creditworthiness and streamline the loan process, making it faster and more accessible than traditional banks. Founded in 2006, Lending Club has facilitated billions of dollars in loans. It operates under a peer-to-peer lending model, where investors can diversify their portfolios by funding multiple loans. This innovative approach has transformed how people access credit and invest their money.