LendingClub operates the world's largest online credit marketplace that facilitates loans to consumers and businesses, giving investors a direct opportunity to finance consumer and business loans. The company derives fees from loan originations (90% of revenue) and loan servicing (less than 10% of revenue but growing). LendingClub has originated over $15 billion of loans since 2007, primarily unsecured consumer loans, and is beginning to offer small-business loans through partnership distribution channels.