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White Papers

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Stress Testing: Marketplace Lending in a Rapidly Changing Environment

In an era of Federal Reserve near-zero interest rate policy and with bond markets near historically low yields, marketplace lending has emerged as a new asset class with attractive returns and low volatility. Over the last five years, we’ve seen strong and consistent returns from portfolios of marketplace loans. The Orchard Consumer Marketplace Lending Index presents a compelling picture of the potential returns of this new asset class, with 2015 returns that have clearly outperformed stalwarts such as the S&P 500 and the Barclays Aggregate Bond Index. While falling unemployment rates and strong domestic growth have provided the ideal opportunity for this new asset class to flourish, we know that these favorable conditions cannot last forever.

The question that seems to be on everyone’s mind is, what happens then? How might higher unemployment levels, falling home prices, and credit deterioration affect the returns of loan portfolios originated under the marketplace model? How much stress would be needed to realize negative returns? What can we expect? In this paper, we will define a framework for stress testing, simulate a range of outcomes, and provide expectations and guidance on the expected returns of marketplace loans through a series of stressors.

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The Essential Eight Best Practices in Marketplace Lending

The Essential Eight Best Practices in Marketplace Lending Orchard Platform has released their first ever white paper titled, The Essential Eight Best Practices to Marketplace Lending Investing: Key Considerations for Institutional Investors & Investment Managers. The purpose of this paper is to highlight the challenges that institutional investors and investment managers face investing in marketplace lending and offer a set of best practices to assist both groups in successfully investing in this new asset class. To provide the greatest possible benefit to both institutional investors and managers, this paper will:

  • Highlight the 10 main challenges that institutional investors and investment managers experience investing in marketplace lending
  • Present a list of 8 essential best practices that can help investors and managers
  • Offer a detailed sub-checklist within each best practice
  • Provide an aggregated checklist of 25 overall considerations for both investors and managers in following the essential eight best practices
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Research & Reports

  • Weekly Online Lending Snapshot - January 13, 2016

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  • Weekly Online Lending Snapshot – January 06, 2017

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  • Weekly Online Lending Snapshot – December 30, 2016

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  • Weekly Online Lending Snapshot – December 23, 2016

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  • Weekly Online Lending Snapshot – December 16, 2016

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  • Weekly Online Lending Snapshot – December 09, 2016

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  • Weekly Online Lending Snapshot – December 02, 2016

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  • Quarterly Industry Report - Q3 2016

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  • Weekly Online Lending Snapshot – November 23, 2016

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  • Weekly Online Lending Snapshot – November 18, 2016

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  • Weekly Online Lending Snapshot – November 11, 2016

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  • Weekly Online Lending Snapshot – November 04, 2016

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  • Weekly Online Lending Snapshot – October 28, 2016

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  • Weekly Online Lending Snapshot – October 21, 2016

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  • Weekly Online Lending Snapshot – October 13, 2016

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  • Weekly Online Lending Snapshot – October 06, 2016

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  • Weekly Online Lending Snapshot – September 30, 2016

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  • Weekly Online Lending Snapshot – September 26, 2016

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  • Weekly Online Lending Snapshot – September 19, 2016

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  • Weekly Online Lending Snapshot – September 12, 2016

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  • Weekly Online Lending Snapshot – September 06, 2016

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  • Quarterly Industry Report - Q2 2016

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  • Quarterly Industry Report - Q1 2016

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