Chris Larsen Efficient Quotations

That's just a huge spread. We think if you allow people to participate directly, it's a more efficient marketplace. People can make a better return on their deposits, which then become the source of credit to others.

With the Internet world, we can have people make both sides of the (lending) market, bringing more transparency and efficiency. It can be both more capitalistically efficient and socially beneficial.

Prosper gives people the opportunity to take back the marketplace for consumer credit. By providing the platform and tools for an efficient marketplace created by and for people, Prosper aims to make consumer lending more financially and socially rewarding for everyone.