Are you affiliated with Prosper?

No, we are not affiliated with Prosper.

How accurate is the data on your website?

We are confident in the accuracy of our data. We make every effort to ensure that our data is as accurate as possible, however we cannot guarantee that it is free of inaccuracies. If you notice an inaccuracy in our data, please report it to us and we'll do our best to address the issue.

How up-to-date is the data on your website?

We generally update our data once nightly.

What is ROI?

ROI is short for Return On Investment.

How accurate is estimated ROI?

Estimated ROI is a very rough estimate of a lender's actual ROI based on the information supplied by Prosper, with various assumptions to make the calculation as simple as possible.

How is estimated ROI calculated?

Estimated ROI is calculated by taking the average interest rate of a given portfolio and subtracting out the Prosper fee, defaults and late loans estimated to default.

• Late loan amount is calculated by deducting monthly payments already made from the principal.
• Loans under 1 month late are assumed to default at a 50% clip.
• Late loans over 1 month old are estimated to default at the AmSher agency recovery rate.
• Default losses (projected defaults for lates and actual default) are calculated after debt sale prices are factored in.
• Paid/Repurchased loans are included in the current average interest rate calculation. This may change in the future.
• The late/default rate are projected out to one year.
• Prosper Fees will vary according to when the loan was made. (old loans are 0.5% flat fee, the newer loans are 0.5% AA/A, 1% C-HR, newest loans are 0% AA/1% A-HR
• Loans that are not old enough are excluded from the calculation for late/default rates in the formula.

Formula:

• Estimated ROI = Avg. Interest Rate - Avg. Fee - (1 - (1 - Late Percent - Default Percent)^{(365/Portfolio Age))}

If you have a suggestion for improving this calculation, please let us know.

What is Experian ROI?

Experian ROI is calculated based on the Experian historical average default rates supplied by Prosper found here.

Formula:

• Experian ROI = Average Interest Rate - Experian Default Rate - Prosper Fee

How do you calculate default sale prices?

The Prosper default sale prices we use are based on the historical sale price of defaulted loans. Below is a table detailing the values we use. This is updated nightly.