New York - Amazon S3 · 11:21 am FastPay 11:34 am Funding Circle 11:47 am Upstart 12:00 pm SoFi...

Connecting the GlobalOnline Lending Community

New York 2015

New York Marriott Marquis April 13-15

lendit.co

2 LendIt USA | New York, April 2015 3 Visit lendit.co

Special Thanks to our SponsorsTitle Sponsor

Platinum Sponsors

Gold Sponsors

Dr. Tharon SmithManaging Director,

LendIt China

Welcome to LendIt USA 2015!Welcome to LendIt USA 2015, our third annual US conference and the world’s largest gathering of online lending platforms and investors ever.

LendIt is all about bringing together the investors, platforms and service providers in our industry for networking, business development, education and fun. Our 2015 event will have five tracks of content, many networking opportunities and the largest expo hall ever assembled with around 100 exhibiting companies.

We are honored that you have chosen to spend your time with us and we will do everything possible to make your experience at LendIt enriching, fun and commercially successful.

Enjoy the event! The LendIt Team

Jason JonesCo-Founder

Bo BrustkernCo-Founder

Peter RentonConference Chairman

& Co-Founder

Bladimir EstevezSales Director

Lisa JonesDirector of Delegate Affairs

Emily EdenEvent Operations & Marketing Assistant

Stay in touch with us!lendit.co #lenditUSA @LendItConf

Wi-Fi Login DetailsSponsored by NSR Investnetwork: nsrinvest password: realreturns

Meet the LendIt Team

Joy SchwartzVice President of Events

Kat SantiagoWeb Developer

Nora SteinmanOperations &

Communications Manager

Ryan LichtenwaldWriter/Analyst


Special Thanks to Our SponsorsSilver Sponsors

Bronze Sponsors

Associate Sponsors

Lending Club, the world’s largest marketplace connecting borrowers and investors, is proud to be the Title Sponsor of LendIt for the 3rd year.

Want to explore working together? Stop by our lounge.


Table of Contents Event Overview

Special Thanks to our Sponsors .............................................................................. 3

Table of Contents ..................................................................................................6

Event Overview ..................................................................................................... 7

What’s NEW at LendIt 2015 ....................................................................................8

PitchIt @ LendIt ...................................................................................................9

April 14th Morning Conference Program ................................................................ 10

April 14th Afternoon Conference Program ...............................................................12

April 15th Morning Conference Program ................................................................. 14

April 15th Afternoon Conference Program ...............................................................16

Featured Speakers ...............................................................................................18

Networking App ................................................................................................. 23

Floorplan: 5th Floor Online Lending Expo ............................................................... 26

Floorplan: 6th Floor ............................................................................................ 30

Floorplan: 7th Floor .............................................................................................31

Speakers ............................................................................................................ 32

Exhibitors ........................................................................................................ 100

Sponsors & Exhibitors Directory...........................................................................102

Participating Companies ..................................................................................... 136

Stay Connected .................................................................................................140

Special Thanks to our Sponsors ...........................................................................148

Featuring:

3 Floors of Engaging Content

1,850+ Influential Decision Makers

The Largest P2POnline Lending Expo

Extensive Networking Activities

NEW!Pre-ConferenceWorkshops

Keynotes & Panels

Company Demos

Fun Parties

NEW!

Start-Up Zone

NEW!

China Pavilion

NEW!

Real Estate FinTech Track

NEW!

PitchIt @ LendIt


Pre-Conference WorkshopsMonday, April 13th 1:00pm - 5:30pmExplore specialized topics and network with other participants in a smaller, informal, interactive setting. Choose from four tracks.

Credit Boot Camp for Alternative Lending presented by FICO • Inside the FICO® Score and Alternative Credit Data• Hot Button Regulatory Trends for Online Lenders • What 6 Things Should a Lender Always Have in Originations • Your Investment Checklist: Tying it All Together

P2P Lending 101 presented by Lend Academy, Family Office Association & Lending Club • Intro to P2P• Deep Dive into Lending Club’s Platform• P2P’s Fit in Asset Allocation for FamilyOffices&RIAs• Industry FAQs

The Online Lending Technology Ecosystem • Investor Side Technology featuring: NSR Invest, LendingRobot, Orchard &PeerTrader• Borrower Side Technology featuring: Fundera, Credit Karma & Better Finance

Building an Online Lending Platform•BuildingtheBackOffice:Credit, Fraud Prevention, Software, Collections, Loan Servicing, Compliance and Declines• Raising Money: Equity and Debt Capital

1

2

3

4

What’s NEW at LendIt 2015

Start-up ZoneLocated on the Online Lending Expofloor,thisisadesignatedareafor enterprising start-ups to showcase their online lending platforms and for attendees to engage with the industry’s rising stars.

PitchIt @ LendItTuesday, April 14th, 3:30pm Eight of the most impressive emerging companies in the online lending community battle it out in a fast and fun format. Each companypresentsafive-minutepitch followed by a rapid response Q&Around.

Real Estate FinTech TrackA full day of presentations and panels devoted to discussing theintersectionoffinanceand technology in the real estate sector.

China PavilionEngage with our keynote speakers and hear from leading Chinese P2P platforms in a special forum focused on the industry’s growing interest in the Chinese online lending market as well as opportunities for collaboration.

PitchIt @ LendIt

• Judges •Phin Upham, Thiel Capital

Gil Penchina, AngelList SyndicatesCharles Moldow, Foundation Capital

Geoff Miller, GLI FinanceSanto Politi, Spark Capital

Celebrate Entrepreneurship!

• Tuesday April 14 | Track 2 | 3:30 pm •Astor Ballroom, Level 7

Winners will be announced at 5:20pm

Finalists

• 3:35 pm - 3:45 pm Crediyo • 4:23 pm - 4:33 pm Ascend Consumer Finance• 3:47 pm - 3:57 pm LoanHero • 4:35 pm - 4:45 pm REAMERGE• 3:59 pm - 4:09 pm Able Lending • 4:47 pm - 4:57 pm CashForce• 4:11 pm - 4:21 pm Sharestates • 4:59 pm - 5:09 pm Kickfurther


April 14th Morning Conference Program

Time Presentation

7:30 am

BreakfastSponsored by Logical Glue

8:30 am-

8:40 amOpening Remarks

8:40 am-

9:25 am

Signature KeynoteRenaud Laplanche, Lending Club

9:25 am-

9:45 am

Market Analysis: Global OverviewPeter Renton, Lend Academy

9:50 am-

10:35 am

Consumer Lending: The Quest for Scale

Credit Karma, Lending Club, LendingTree, Loftopia, Prosper Marketplace,

Moderator: Goldman Sachs Q&A* starts at 11:05 am

10:35 am-

11:05 am

Morning Coffee BreakSponsored by Lend Academy

11:05 am-

11:50 am

Hot Button Issues in Online LendingNyca Partners, SoFi, TransUnion,

Moderator: QED Investors

11:55 am-

12:35 pm

Partnering with BanksAlliance Partners, BlueYield, Citigroup, Lending Club, LendKey, Union Bank, Moderator: Oliver

Wyman Q&A* starts at 1:35 pm

12:35 pm-

1:35 pm

Networking LunchSponsored by National Debt Relief

Time Presentation

9:30 am-

10:00 am

Global Online Lending LeadersAfluenta, Harmoney, Millennium Trust, Ovamba,

SocietyOne, Moderator: Foundation Capital

10:05 am-

10:35 am

Small Business Lending InnovatorsApplePie Capital, Bond Street, LiftForward,

Lighter Capital, StreetShares, Moderator: Overland Advisors

10:35 am-

11:05 am


11:05 am-

11:25 am

The Financial Advisor’s Approach to Marketplace Lending

IRA Exchange, LendingRobot, NSR Invest, Moderator: Nexus Strategies

11:30 am-

12:00 pm

Trends in Credit Underwriting Earnest, Equifax, FICO, LendUp,

Orchard Platform, Moderator: Jefferies

12:05 pm-

12:35 pm

Big Data and the Future of Financing

Avant, Fundera, OnDeck, RetailCapital, Upstart, Moderator: Orchard Platform

12:35 pm-

1:35 pm


Time(10 MinutesEach Unless

Noted)

Presentation

9:28 am Finexkap

9:40 am The Interface Financial Group

9:53 am CircleBack Lending

10:06 am The Credit Junction

10:19 am Lenddo

10:35 am-

11:05 am


11:08 am Orchard Platform

11:21 am FastPay

11:34 am Funding Circle

11:47 am Upstart

12:00 pm SoFi

12:13 pm LiftForward

12:26 pm ID Analytics

12:35 pm-

1:35 pm


Time Presentation

10:35 am-

11:05 am


11:55 am-

12:35 pm

State of the Union Address for the Chinese Internet Finance Market

Ning Tang, CreditEase

12:35 pm-

1:35 pm


To see any last minute changes please download the LendIt app from the Apple or Android stores.

*All Q&A sessions are 30 minutes long and will be held in the Shubert Complex on Level 6

To see the details of each session, download the LendIt app from the Apple or Android stores.

Main TrackLevel 6, Broadway Ballroom

Track 2Level 7, Astor Ballroom

Company Demo TrackLevel 7, SoHo Complex

China PavilionLevel 6, Majestic Complex


April 14th Afternoon Conference Program

Time Presentation

1:35 pm-

2:05 pm

Special PresentationSam Hodges, Funding Circle

2:05 pm-

2:45 pm

The European Online Lending Opportunity

Bondora, Eiffel eCapital, Funding Circle, GLI Finance, RateSetter, Zopa, Moderator: Liberum

Q&A* starts at 2:50 pm

2:50 pm-

3:35 pm

Next Generation of Invoice & Receivable Finance

C2FO, FastPay, FundBox, P2Binvestor, Taulia, The Interface Financial Group,

Moderator: Bain Capital VenturesQ&A* starts at 4:05 pm

3:35 pm-

4:05 pm

Afternoon Coffee BreakSponsored by Lufax

4:05 pm-

4:35 pm

Fireside Chat Greg Gibb, Lufax,

Moderator: Lend Academy

4:40 pm-

5:25 pm

China: The Largest Internet Finance Market in the World

China Rapid Finance, CreditEase, Dianrong.com, Lufax, Tencent TenPay,

Moderator: Lend Academy

5:30 pm-

6:00 pm

Closing KeynoteRon Suber, Prosper Marketplace

6:00 pm-

7:30 pm

Day One Wrap PartySponsored by SoFi

Time Presentation

1:35 pm-

2:05 pm

Student Lending Begins to ScaleClimb Credit, CommonBond, LendKey,

Prodigy Finance, SoFi, Moderator: Credible

2:05 pm-

2:20 pm

Presentation: Intersection of Lending Innovation and Regulation

Raj Date, Fenway Summer

2:25 pm-

2:55 pm

Borrower Acquisition at ScaleBetter Finance, Datamyx, Lendio,

Prosper Marketplace, Moderator: Lending Club

3:00 pm-

3:30 pm

Financing Near-Prime BorrowersAvant, Citi, Freedom Financial,

National Debt Relief, ZestFinance, Moderator: Insikt

3:35 pm-

4:05 pm


3:30 pm-

5:25 pm

PitchIt @ LendIt

• Judges •Phin Upham, Thiel Capital

Gil Penchina, AngelList SyndicatesCharles Moldow, Foundation Capital

Geoff Miller, GLI FinanceSanto Politi, Spark Capital

• Finalists •3:35 - 3:45 pm Crediyo

3:47 - 3:57 pm LoanHero3:59 - 4:09 pm Able Lending

4:11 - 4:21 pm ShareStates4:23 - 4:33 pm Ascend Consumer Finance

4:35 - 4:45 pm REAMERGE4:47 - 4:57 pm CashForce

4:59 - 5:09 pm Kickfurther

• Winners will be announced at 5:20 pm •


Noted)

Presentation

1:35 pm 9F Bank

1:48 pm Afluenta

2:01 pm miiCard

2:14 pm National Debt Relief

2:27 pm Blue Elephant Capital Management

2:40 pm AngelList Syndiactes

2:53 pm Argon Credit

3:06 pm Assetz Capital

3:19 pm Prosper Marketplace

3:32 pm Merchant Cash & Capital

4:05 pm Biz2Credit

4:18 pm Insikt

4:30 pm-

5:25 pm

Regulatory and Compliance Q&ABDO, Chapman & Cutler, Cross River Bank,

Manatt, U.S. Treasury, Moderator: KPMG

5:29 pm DriverUp

Time Presentation

1:35 pm-

2:05 pm

Risk Management of Online Lending in the U�S� & China

China Rapid Finance, FICO China, Lending ClubModerator: Deutsche Bank

2:05 pm-

2:35 pm

Emerging Markets Venture Capital in FinTech

FinSight Ventures, Khosla Ventures, StrontiumModerator: DemystData

2:40 pm-

3:10 pm

Government Regulation of Online Lending in the U�S� & China

Fundera, Dianrong.com, CreditEase,Moderator: Consumer Financial

Protection Bureau

3:15 pm-

3:35 pm

Enabling Education through Innovative Student Lending

CommonBond, Wheat Finance,Moderator: Dealstruck

3:35 pm-

4:05 pm


4:05 pm-

4:15 pmCompany Demo: 9F Bank

4:20 pm-

4:30 pmCompany Demo: Wheat Finance


To see any last minute changes please download the LendIt app from the Apple or Android stores. To see the details of each session, download the LendIt app from the Apple or Android stores.


Track 2Level 7, Astor Ballroom




April 15th Morning Conference Program

TIme Presentation

8:30 am-

8:40 amOpening Remarks

8:40 am-

9:10 am

Special PresentationNoah Breslow, OnDeck

9:15 am-

10:00 am

Asset Allocation: Where Does the Asset Class Fit?

Aequitas, AllianceBernstein, Arcadia, Blackrock, Prime Meridian, Victory Park Capital,

Moderator: Alternative Capital Associates

10:00 am-

10:45 am

Signature KeynoteLawrence H. Summers, Former U.S. Treasury Secretary

10:45 am-

11:15 am


11:15 am-

11:35 am

Special Presentation: The State of Small Business: Credit Access during

the Recovery and How Technology May Change the Game

Karen Gordon Mills, Former Administrator of U.S. Small Business Administration

11:40 am-

12:25 pm

Short Term Small Business LendingCAN Capital, Kabbage,

Merchant Cash & Capital, PayPal, Square Capital, Moderator: Lendio

Q&A* starts at 1:30 pm

12:25 pm-

12:30 pm

LendIt Innovator of the Year Award

12:30 pm-

1:30 pm

Networking LunchSponsored by UBS

Time Presentation

8:40 am-

9:10 am

State of the Real Estate OnlineLending Market

Daniel T. Ciporin, Canaan Partners

9:15 am-

9:45 am

Institutional Investors View ofReal Estate Crowdfunding

Cain Hoy Enterprises, Garrison, Mascia Development, Waterfall Asset Management,

Moderator: Foundation Capital

9:45 am-

10:00 am

Presentation: The Inevitable Rise of Crowdfunding

Richard Swart, UC Berkeley

10:45 am-

11:15 am


11:15 am-

11:45 am

Platforms Shifting from Retail to Institutional Investors

AssetAvenue, Fundrise, iFunding, Lending Home, RealtyMogul,

Moderator: Ethan Penner, USC

11:50 am-

12:30 pm

Transforming Mortgage MarketsBlend Labs, Lenda, LendingTree, Privlo, SoFi,

Moderator: John Elias, IndependentExecutive Consultant

12:30 pm-

1:30 pm



Noted)

Presentation

9:15 am Paynet

9:28 am Kabbage

9:41 am BitBond

10:45 am-

11:15 am


11:15 am Kubo Financiero

11:28 am Lendico

11:40 am Borro

11:53 am auxmoney

12:06 pm Zencap

12:19 pm Vouch

12:30 pm-

1:30 pm


Time Presentation

10:45 am-

11:15 am


11:40 am-

12:00 pm

Presentation: TBDBarry Freeman, Jimubox

12:05 pm-

12:25 pm

Overview of Chinese Internet Finance Market

Paul Shi, WangDaiZhiJia

12:30 pm-

1:30 pm



Real Estate FinTech TrackLevel 7, Astor Ballroom






April 15th Afternoon Conference Program

Time Presentation

1:30 pm-

2:15 pm

Emerging Online Lending LeadersAvant, Assetz Capital, CircleBack Lending,

Upstart, Moderator: Orchard PlatformQ&A* starts at 2:20 pm

2:20 pm-

2:50 pm

Special Presentation: Lessons from the Installment Loan Business

Frank Rotman, QED Investors & Former Head of Installment Loans at Capital One

2:55 pm-

3:40 pm

The Growth of SecuritizationCredit Suisse, First Associates, Moody’s,

OnDeck, PeerIQ, SoFi, Moderator: GarrisonQ&A* starts at 4:10 pm

3:40 pm-

4:10 pm

Afternoon Coffee BreakSponsored by Lend Academy

4:10 pm-

4:55 pm

Long Term Small Business LendingBiz2Credit, Dealstruck, Fundation, Funding

Circle, Lending Club, Moderator: Prospect StreetQ&A* starts at 5:00 pm

5:00 pm-

5:45 pm

Innovation in Purchase FinanceAffirm, FinanceIt, Klarna AB, Paidy, Prosper

Healthcare Lending, Moderator: QED Investors

5:45 pm-

5:55 pmClosing Remarks

Time Presentation

1:30 pm-

1:50 pm

The Future of Real Estate - InvestingJilliene Helman, RealtyMogul

1:55 pm-

2:25 pm

Residential Real Estate PlatformsLending Home, LendInvest, Patch of Land,

PeerStreet, RealtyShares, Moderator: American Homeowner Preservation

2:30 pm-

2:45 pm

Presentation: Building Scale for Real Estate

Christian Faes, LendInvest

2:50 pm-

3:20 pm

NextGen Energy FinanceKilowatt Financial, Mosaic, Noesis,

Open Energy Group, SolarCity,Moderator: Morgan Stanley

3:25 pm-

3:40 pm

Presentation: Trajectory of Real Estate

Rick Sharga, Auction.com

3:40 pm-

4:10 pm


4:10 pm-

4:40 pm

Commercial Real EstateiFunding, Money360, Plum Lending,

Prodigy Network, RealCrowd, Moderator: Early Shares

4:45 pm-

5:15 pm

Real Estate Crowdfunding Property Types

HVS, LendZoan, MHP Funds, SharestatesModerator: GROUNDFLOOR

5:20 pm-

5:45 pm

Real Estate Data & TechnologyCompass, Compstak, dvØ1, OnBoard Informatics, Real Capital Analytics,

Moderator: Progress Group LLC


Noted)

Presentation

1:30 pm CommonBond

1:43 pm Direct Lending Investments

1:56 pm Croudify

2:09 pm ApplePie Capital

2:22 pm DirectMoney

2:35 pm SocietyOne

2:48 pm Harmoney

3:01 pm Borrowell

3:14 pm Grouplend

3:27 pm Arbor Ventures

3:40 pm NSR Invest

3:50 pm-

4:10 pm


4:10 pm CreditEase

4:23 pm GROUNDFLOOR

4:36 pm NiWoDai

4:49 pm Uvamo

5:03 pm Pave

5:16 pm Wheat Finance

Time Presentation

1:30 pm-

2:00 pm

A Mobile Approach to Online Lending9F Bank, Prosper Marketplace, SocietyOne

Moderator: Arbor Ventures

2:05 pm-

2:35 pm

Innovation in Auto Finance in China & the U�S�

Auto One Acceptance, Blue Yield, Touna,Moderator: Fenway Summer

2:40 pm-

3:10 pm

Building a Chinese Credit BureauFICO, GTRiches, NiWoDai, Moderator: Dianrong.com

3:15 pm-

3:25 pm

Company Demo: SyncUSJin Xu

3:30 pm-

3:40 pm

Company Demo: OverseaCrowdShangxuan Tan

3:40 pm-

4:10 pm


4:10 pm-

4:55 pm

Building Credit Profiles Through Social Data Scoring

Lenddo, Tencent Tenpay, Vouch, Moderator: Eric Lu, Penn State University

5:00 pm-

5:45 pm

Global Approaches to MicrolendingGrameen America, Kiva, Xintong,

Moderator: Community Investment Management




Real Estate FinTech TrackLevel 7, Astor Ballroom




Featured Speakers Featured Speakers

Signature Keynote

April 14th | Main Track | 8:40 am

As Founder and CEO Renaud is responsible for overseeing the strategic direction and operation of Lending Club. Renaud has appeared in many leading publications including The Wall Street Journal, The New York Times, The Washington Post, USA Today, BusinessWeek and Barron’s. Renaud has been featured on CNBC, Bloomberg, ABC News, CBS News, and Fox Business News.

Before Lending Club, Renaud was the Founder & CEO of TripleHop Technologies, an enterprise software company acquired by Oracle Corporation in June 2005. Prior to that, Renaud was a Senior Associate at New York law firm Cleary Gottlieb Steen & Hamilton.

He was named a 2013 Ernst & Young Entrepreneur Of The Year® Award Winner for Northern California, 2012 Entrepreneur of the Year at the BFM Awards, and in 2002 was honored with the HEC Entrepreneur of the Year award. Renaud has also won the French sailing championship twice, in 1988 and 1990.

Renaud has a Masters of Business Administration from HEC and London Business School and a JD from Montpellier University. He is a frequent guest lecturer at Columbia Business School and a member of the Young Presidents’ Organization.

Renaud LaplancheFounder & C.E.O., Lending Club

Closing Keynote

April 14th | Main Track | 5:30 pm

As President of Prosper Marketplace, Ron is responsible for developing and executing the business development strategy to attract borrowers to the site, as well as ensure a balance between institutional and retail investors on the Prosper platform. He brings more than 20 years experience in sales, marketing and business development across the hedge fund, broker dealer and registered investment advisor industries. Before to joining Prosper, Ron was Managing Director at Wells Fargo Securities.

Prior to Wells Fargo, Ron served as the Head of Global Sales and Marketing and Senior Partner for Merlin Securities. Ron also served as President of Spectrum Global Fund Administration, and spent 14 years at Bear Sterns where he served as Senior Managing Director and Manager of Global Clearing Sales.

Ron earned a B.A. in Economics from the University of California, Berkeley.

Ron SuberPresident, Prosper Marketplace

Signature Keynote


Former Treasury Secretary Lawrence H. Summers is one of America’s leading economists. In addition to serving as 71st Secretary of the Treasury in the Clinton Administration, Dr. Summers served as Director of the White House National Economic Council in the Obama Administration, as President of Harvard University, and as the Chief Economist of the World Bank. Dr. Summers’ tenure at the U.S. Treasury coincided with the longest period of sustained economic growth in U.S. history. He is the only Treasury Secretary in the last half century to have left office with the national budget in surplus. Dr. Summers has played a key role in addressing every major financial crisis for the last two decades. Currently, Dr. Summers is the President Emeritus and the Charles W. Eliot University Professor at Harvard University, where he became a full professor at age 28, one of the youngest in Harvard’s recent history. He directs the University’s Mossavar-Rhomani Center for Business and Government. Summers was the first social scientist to receive the National Science Foundation’s Alan Waterman Award for scientific achievement and, in 1993, he was awarded the John Bates Clark Medal, given to the most outstanding economist under 40 in the United States. He was elected to the National Academy of Sciences in 2002. He has published more than 150 papers in scholarly journals. Summers is an advisor to businesses and investors. He serves on the board of two cutting edge financial services startups—Square and Lending Club. He also chairs the boards of Citizen Schools and the Center for Global Development and serves on the executive committee of the board for Teach for America. He recently chaired the Commission on Global Health, lauded by the UN Secretary General who noted that it “will bring more than health - it will bring equity, and contribute to a life of dignity for all.” President Bill Clinton said that Larry Summers “has the rare ability to see the world that is taking shape and the skill to help to bring it into being.” He has been recognized as one of the world’s most influential thinkers by Time, Foreign Policy, Prospect and The Economist magazines among many others. In his speeches, regular newspaper columns in The Financial Times and public commentary, he continues to move forward the debate on national and global economic policy.

Lawrence H. SummersFormer U.S. Treasury Secretary

Special Presentation


Noah Breslow has served as OnDeck’s Chief Executive Officer and Chairman of our board of directors since June 2012 and as our Chief Operating Officer from October 2011 to June 2012, our Chief Product Officer from October 2009 to September 2011, our Senior Vice President, Products and Technology from March 2008 to September 2009, and our Vice President, Products and Technology from June 2007 to February 2008.

Prior to joining OnDeck, Mr. Breslow was Vice President of Marketing and Product Management for Tacit Networks, Inc., a provider of wide area network optimization solutions, from December 2003 through January 2007.

Mr. Breslow holds an S.B. in Computer Science and Engineering from the Massachusetts Institute of Technology and an M.B.A. with distinction from Harvard Business School.

Noah BreslowC.E.O., OnDeck


Featured Speakers



Karen Gordon Mills served in President Barack Obama’s cabinet as the Administrator of the U.S. Small Business Administration from 2009 until August 2013. She is currently a Senior Fellow at the Harvard Business School and at the Mossavar-Rahmani Center for Business and Government at the Harvard Kennedy School focusing on U.S. Competitiveness, entrepreneurship and innovation. As SBA Administrator and a Cabinet member, Mills served on the President’s National Economic Council and was a key member of the White House economic team. At the SBA, she led a team of more than 3,000 employees and managed a loan guarantee portfolio of over $100 billion. Mills is credited with turning around the Agency, streamlining loan programs, shortening turnaround times, and reducing paperwork. These efforts resulted in record-breaking years for SBA lending and investments in growth capital. In addition, Mills helped small businesses create regional economic clusters, gain access to early stage capital, hire skilled workers, boost exports, and tap into government and commercial supply chains. Prior to the SBA, Mills held leadership positions in the private sector, including as a partner in several private equity firms, and served on the boards of Scotts Miracle-Gro and Arrow Electronics. Most recently, she was president of MMP Group, which invested in businesses in consumer products, food, textiles, and industrial components. In 2007, Maine Governor John Baldacci appointed Mills to chair Maine’s Council on Competitiveness and the Economy, where she focused on regional development initiatives, including a regional economic cluster with Maine’s boatbuilding industry. Mills earned an AB in economics from Harvard University and an MBA from Harvard Business School, where she was a Baker Scholar. She is a past vice chairman of the Harvard Overseers, and is currently a member of the Council on Foreign Relations and the Harvard Corporation.

Karen Gordon MillsFormer Administrator, U.S. Small Business Administration


April 14th | Main Track | 1:35 pm

As Co-Founder and U.S. Managing Director, Sam is responsible for overseeing the overall strategic direction and day-to-day operation of Funding Circle in the U.S. Under his leadership, the U.S. business has grown exponentially since its foundation in 2012 and has emerged as the world’s largest online marketplace exclusively focused on small business loans. He co-founded the company after seeing how hard it was to get a loan for a small business, a successful gym franchise, he helped build.

Before co-founding Funding Circle, Sam served as Vice President of Business Development at SecondMarket, the leading marketplace for alternative investments. There, Sam was responsible for corporate and business development and the company’s geographic expansion efforts. Sam was also part of the investment team at Pequot Capital, an $8 billion global fund manager, where he covered investments in financial technology and information services. He started his career as a strategy consultant at Katzenbach Partners, where he advised financial services and technology companies.

Sam currently serves on the boards of two private companies. He received his MBA and MS from Stanford University and graduated, magna cum laude, from Brown University. Sam Hodges

Co-Founder & U.S. Managing Director, Funding Circle

Leading Alternative Provider of SME Finance, bringing investors and companies together worldwide

Financing of high growth SMEs

UK & European online SME finance

UK supply chain finance

For further information on GLI Finance please visit our website glifinance.com

US supply chain finance

Multi-jurisdictional crowd funding

UK SME finance

Secured property lending

Online trade finance

European invoice finance

US online SME lending

US marketplace SME lending

US online trade finance

Funding European receivables

Sub-Saharan African SME lending

Offshore SME lending

P2P bond finance

Spanish SME Finance Renewable Energy Finance

Advert - LendIt 2015.indd 1 23-03-2015 11:47:07


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Welcome Party* 6:00 pm - 8:00 pm*Separate $125 ticket required

April 13

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www.lendit.co • @LendItConf • #lenditusa • blog.lendit.co

https://crowd.cc/lendit-usa-2015

Day One Wrap Party 6:00 pm - 7:30 pmApril 14


$3 Billion Borrowed. Over 250,000 People Empowered.

• Fast and easy online application• No teaser rates or hidden fees• Rates start at 6.68% APR*

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*Annual percentage rates (APR) by Prosper Rating range from 6.68% (AA) to 36.0% (HR) for �rst time buyers. To qualify for AA Prosper Rating, applicants must have excellent credit and meet other conditions. Rate o�ered is based on Prosper Rating and other factors, and your actual rate may di�er. Eligibility for a loan is not guaranteed and requires that a su�cient number of investors commit funds to your loan. Refer to Borrower Registration Agreement for all terms and conditions. All loans made by WebBank, a Utah-chartered Industrial Bank, Member FDIC.

Find your rates instantly online.

Jumbo mortgages up to $3M

with as little as 10% down.

10% DOWN. 100% YOURS.

VISIT US AT BOOTH 304 | SOFI.COM/LENDIT

SoFi Lending Corp. NMLS #1121636. Not available in all states. Terms and Conditions apply. Alabama Consumer Credit License No. 21983; California Licensed by the Department of Business Oversight under the California Finance Lender Law License No. 6054612/NMLS # 1121636; Connecticut Licensed by the Connecticut Department of Banking – Mortgage Lender License # ML-1121636; Delaware Lender License # 30278; District of Columbia Mortgage Dual (Lender & Broker) Authority License No. MLB 1121636; Florida Mortgage Lender Servicer License # MLD1108; Georgia Mortgage Lender License No. 42010; Illinois Residential Mortgage Licensee License No. MB.6761063; Department of Financial and Professional Regulation, Division of Banking, 100 West Randolph, 9th Floor, Chicago, IL 60601, 312-814-4500; Indiana First Lien Mortgage Lending License No. 25660; Maryland Mortgage Lender License # 21585; New Hampshire Licensed by the New Hampshire Banking Department # 19764-MB; New Jersey Licensed by the New Jersey Department of Banking and Insurance Residential Mortgage Lender License 1121636; North Carolina Mortgage Lender License No. L-160812; North Dakota Money Broker License No. MB102764;Pennsylvania Licensed by the Pennsylvania Department of Banking Mortgage Lender License No. 46311; Rhode Island Lender License # 20153065LL; Texas Mortgage Company License 1121636; Vermont Licensed by the Vermont Banking Division – Lender License # 6705; Virginia Lender License # MC-5906 – SoFi Lending Corp. NMLS ID #1121636; Washington Consumer Loan Company License CL-1121636; Wisconsin Mortgage Banker License 1121636BA; Wyoming Mortgage Lender License # 2659.


Floorplan: 5th Floor Online Lending Expo

LOCATION EXHIBITOR

100 Direct Lending Investments 102 First Associates104 Prosper Marketplace114 GLI Finance115 National Debt Relief200 Assetz Capital201 Patch of Land202 The Interface Financial Group203 Lob 204 Herio Capital206 Avant208 NSR Invest 210 Garnet Capital Advisors226 LendInvest227 RK&O300 Lending Club301 Cross River Bank303 RealtyMogul304 SoFi305 Portfolio Financial

Servicing Company307 AssetAvenue308 OnDeck309 Orchard Platform326 KPMG327 Kabbage400 Credible402 Upstart404 Funding Circle407 Pepper Hamilton LLP408 Borrowell409 P2Binvestor Inc.410 Better Finance500 Blue Elephant

Capital Management501 BDO502 Capital One503 CreditEase505 TriNet507 Chapman and Cutler LLP508 Cloud Lending509 Nortridge Software510 TrueAccord511 The Business Backer513 Money360515 Dealstruck517 Quarterspot521 Prime Meridian

Capital Management523 PeerTrader525 Opus Fund Services527 Lufax

Exhibitors

Start-up ZoneLOCATION EXHIBITOR

S1 dvØ1

S2 AppiePie Capital

S3 Yield Crowd

S4 Lend2Fund

S5 Reamerge

S6 Bolstr

S7 Credibility Capital

S8 Bitbond

S9 GroupLend

S10 LendZoan

S11 FundThrough

S12 Confident Financial Solutions

S13 LendLayer

S14 OverseaCrowd

S15 LendStreet

S16 Croudify

ExhibitorsLOCATION EXHIBITOR

600 FICO

601 Biz2Credit

603 CAN Capital

604 Peerform

605 Provident Trust Group

606 LendKey

607 American Homeowner Preservation

608 Lighter Capital

609 AmeriMerchant

610 Argon Credit

611 miiCard

700 Afluenta

701 Lendio

703 Equifax

704 Lending Home

705 Millennium Trust Company

706 LoanNow

707 CommonBond

708 Merchant Cash & Capital

709 CircleBack Lending

710 StreetShares

711 Goodwin Procter LLP

800 Fundera

802 iFunding

804 Petra Partners

806 Manatt, Phelps & Phillips, LLP

Start-up Zone

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Lufax Lounge

Start-up Zone

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Lufax Lounge


China’s largest and most innovative peer lending marketplace, powering China’s peer lending economy.

Meet Lufax at Booth 527

Invest in Americansmall businessBuild a portfolio of secured loans to quality main street businesses1

“Funding Circle gave me the spark I needed to hire top-notch sta� and more than double our revenue last year.”Dorika Beckett, Harvard MBA Founder/CEO, LiveWell Home CareFunding Circle USA 2014 Borrower

Many small businesses lack access to capital. That’s where you come in.

Over 30,000 investors have invested more than $850 million in small businesses globally through Funding Circle2 since 2010.

Funding Circle provides accredited and institutional investors the opportunity to invest in small businesses via its a�iliated broker-dealer, Funding Circle Securities.

Contact us to get started+1(855) 849-1940 [email protected]/us/invest

1. Businesses listed on the marketplace have been in operation for a minimum of two years (with the exception of franchisee startups with a franchisor guarantee). They must have generated revenue in each of the last two calendar years and must meet Funding Circle USA’s minimum credit criteria.

2. Funding Circle’ refers to Funding Circle USA, Inc., Funding Circle Ltd., and each of their respective subsidiaries.

OUR SMALL BUSINESS LOANS:

Secured loans from $25,000 - $500,000

Coupon rates 5.99-20.99%

1-5 year terms


Floorplan: 6th Floor Floorplan: 7th Floor

Main Track

China PavilionChinaLounge

Speaker Q & A PressLounge

Elevators

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Broadway Ballroom

Networking Lounge

Networking Lounge

Majestic Complex

SpeakerReady

Main Track: Keynotes & Panels, Speaker Ready Room, China Lounge, China Pavilion, Speaker Q & A, Sponsored Networking Lounges, Press Lounge

Track 2/Real Estate FinTech Track, Company Demos, Private Meeting Rooms, Private Meeting Pods

Track 2/Real Estate

FinTech Track

PrivateMeeting

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Private Meeting PodsLOCATION EXHIBITOR

MP1 Cross River Bank

MP2 Upstart

MP3 Orchard Platform

MP4 CreditEase

MP5 Victory Park Capital Partners

MP6 Citi

MP7 9F Bank

MP8 China Rapid Finance

MP9 Jefferies

MP10 Lufax

Private Meeting RoomsLOCATION EXHIBITOR

Gotham Lending Club

Chelsea Lending Club

Hudson Avant

Empire SoFi

Harlem NSR Invest

Duffy Prosper Marketplace

Columbia Funding Circle

Times Square National Debt Relief


Speakers Speakers

Arturo Aguilar, Chairman, AutoOne Acceptance

Innovation in Auto Finance in China & the U.S. | China Pavilion, April 15, 2:05 pm

Arturo Aguilar is the Founder and CEO of Auto One, a subprime “Generation Zero” Hispanic automobile lending platform, with over three years in the Texas market and 4,000 loans. At Auto One, he has focused on relationship based dealer-clients that supply him with seasoned notes that he can cherry pick, based on proprietary analytical models, under the promise of Hispanic based collection practices that keep the relationship tight. This approach has given Auto One a unique access to an otherwise inaccessible market to non-Hispanic lenders. In the past, he started up and acquired a pawn-broking chain conglomerate in Mexico (Citi financed LBO). With extensive use of systems (SAP) for controls and pricing, and analytics for creditworthiness and data experimenting, he doubled its size and profits to become the second largest and first profits operator in the country, and sold within 18 months, to Cash America (NYSE:CSH), the largest operator of this industry in the world. During his ownership, he operated 450,000+ clients, 200+ stores, and over 4 million loans. He has also worked at McKinsey & Co., and at the Office of the President of Mexico. Mr. Aguilar holds a B.Sc. in Civil Engineering from Universidad Iberoamericana, Mexico, and two degrees from Harvard University (MBA and MPA, 1998)

Ram Ahluwalia, C.E.O. & Co-Founder, PeerIQ

The Growth of Securitization | Main Track, April 15, 2:55 pm

Ram Ahluwalia is the CEO and Co-Founder of PeerIQ. Previously, Ram was the CIO of Winged Foot Capital an investment advisor responsible for managing an alternatives portfolio via investments in hedge funds, real estate, and late-stage venture capital. Ram is best known for his background in statistical arbitrage and consumer credit. Previously, Ram was a Senior Vice President at Bank of America-Merrill Lynch and member of the Cards & Deposits executive management team responsible for investment decisioning a $120 Bn credit portfolio. Prior to this role, Ram was a Vice President at the Merrill Lynch Global Bank Group. As a management consultant at Inductis, Ram advised Fortune 50 financial firms on statistical decision-making frameworks for acquisition and risk modeling. Ram received a B.A. in Economics-Philosophy from Columbia University and is a CFA charterholder.

James Alexander, Co-Founder, Alternative Capital Associates

Moderator: Asset Allocation: Where Does the Asset Class Fit? | Main Track, April 15, 9:15 am

James Alexander has been dedicated to marketplace lending since 2010, initially through his executive role at Prosper and thereafter working with LendingClub, enabling access to lending capital. James was the first outside partner and conceived the P2P strategy at Colchis Capital, a fund which has purchased more than $1.5 Billion of marketplace loans (as of March 2015). James has 20 formative years of experience in traditional banking, capital markets, research and institutional sales; and has worked at venerable institutions including Goldman Sachs, Royal Bank of Canada and Nomura. He is also the co-founder of the Swiss merchant bank, Alternative Capital Associates. James holds degrees from Webster University, Geneva, Switzerland and was a US-Asia Technology Management Center Visiting Scholar at Stanford University, School of Engineering.

Steve Allocca, Vice President & General Manager of Credit, PayPal

Short Term Small Business Lending | Main Track, April 15, 11:40 am

Steve is Vice President and General Manager of Credit globally for PayPal. At PayPal, he manages a multi-billion credit business in the U.S., leads the effort to expand PayPal Credit globally, and presides over PayPal’s entry into business lending. Steve also founded and previously served as President and CEO of Loan Science, LLC, a $330 million Austin-based company that is one of the leading providers of loan portfolio analytics and management for banks, insurers, education companies and investment firms. The first three years of his career were spent at First Chicago Bank (now JP Morgan Chase) where, among other things, he designed and instituted a new cash flow and valuation model that was subsequently used to invest and hedge a $1 billion fund. He then spent 11 years at Wells Fargo, where he ran Customer Acquisition Marketing and attained the role of SVP, Personal Credit. He then served as President and COO of Education Finance Partners, the nation’s fourth largest originator of private student loans, before founding Loan Science. Steve has a BA in Economics from Washington & Lee University, where he graduated cum laude and was an Academic All Conference lacrosse player, and he has an MBA from the J.L. Kellogg school at Northwestern University.

An Danfang, C.E.O., GTRiches

Building a Chinese Credit Bureau | China Pavilion, April 15, 2:20 pm

I graduated from the University of Sydney. After that, I worked for Caijing Magazine, one of the most influential and financial magazines in China for three years. After it, I helped Ms. Hu Shuli and her team to establish Caixin Media, which is now considered one of the most professional media platforms in China. These experiences enhanced my political and business acumen and helped me to observe the cutting-edge phenomenon of Internet finance in China. By the end of 2013, I co-established the P2P Platform GTRiches. As a female, my leadership style may be different, but thanks to the efforts made by every group member, GTRiches achieved a transaction volume of RMB 1.1 billion in the year of 2014, one of the best performing platforms in China. GTRiches cooperates well with the government and one of our subsidiary companies has successfully earned a license for credit investigation from China’s central bank. I believe that I will be able to make a contribution in the panel discussion of “Government Regulation” and “Building a Credit Bureau” to the distinguished audience of LendIt. Thank you very much.

Kim Anderson, Founder & C.E.O., Longitude PartnersBuilding an Online Lending Platform: Raising CapitalPre-Conference Workshops, April 13, 5:00 pm

Kim Anderson is Founder and CEO of Longitude Partners, Inc., strategic advisors to the specialty finance sector including consumer and small business lending, payment technologies and other fintech firms. Longitude delivers actionable market analysis, growth strategies, executive recruiting and assistance with access to growth capital enabling clients to optimize return on investment and grow stakeholder value. Kim was CEO of CL Verify, now MicroBilt, an industry leading non-traditional credit bureau, and previously led IDT Financial Services where he oversaw the US and European prepaid and money transfer businesses. As Group Executive for Deluxe Corp Kim led the development of DebitBureau, today a major data and analytics asset of Fidelity National Information Services. He was the key strategist on the executive team which led the IPO of eFunds increasing shareholder value by over $1.2 Billion. At Equifax, Kim oversaw numerous strategic product initiatives combining demographic, PII and payment performance data in real time. A member of a several boards including the Money 2020 Advisory Board, Kim advises companies, private equity firms and industry trade associations on navigating the highly dynamic specialty finance markets and is a leading industry expert on the use of data and advanced analytics for customer acquisition, risk management, underwriting and retention.

Jeff Andrews, VP of RIA and Family Office, Lending ClubP2P Lending 101: P2P’s Fit in Asset Allocation for Family Offices & RIAsPre-Conference Workshops, April 13, 3:30 pm

Jeff Andrews is Lending Club’s VP of RIA and Family Office, mostly working with investors in Lending Club’s private investment funds through its wholly-owned subsidiary, LC Advisors. Jeff has been working with RIAs, Family Offices, and many other types of investors for 15 years, raising capital for companies and alternative investment funds. After beginning his career with UBS, he joined the Denver-based investment banking firm Keating Investments in 2003, and subsequently owned his own firm from 2008-14, twice working with Lending Club on a consulting basis. This led to Jeff joining Lending Club full time in late 2014.

Mike Armstrong, President, ZestFinance

Financing Near-Prime Borrowers | Track 2, April 14, 3:00 pm

Mike Armstrong is President of ZestFinance, a technology company transforming credit decisions with machine learning and data science. He was previously Chief Marketing Officer. For more than 16 years, Mike has led business strategy, customer acquisition, credit risk, and operations for financial services companies. Mike graduated from Duke University with a degree in economics and began his career as a U.S. Army Ranger. After the military, he spent eight years at Capital One where he held various roles, including General Manager of Customer Segments.


Rohit Arora, C.E.O. & Co-Founder, Biz2Credit

Long Term Small Business Lending | Main Track, April 15, 4:10 pm

Rohit Arora is the CEO and co-founder of Biz2Credit and is responsible for driving Biz2Credit to its leadership position. He is one of the country’s top experts in small business finance and has extensive experience in global financial services and issues facing startups and growing companies. Rohit is often quoted on small business lending by major news media, including the New York Times, Wall Street Journal, Bloomberg, Entrepreneurs, American Banker, CNN Money, MSNBC, Inc., and the Washington Post. Rohit was named Crain’ NY Business “Entrepreneur of the Year 2011.” He holds a Masters in International Business from Columbia University and an Engineering degree from University of New Delhi. Rohit oversees the Biz2Credit Small Business Lending Index, a widely reported monthly analysis of small business loan approval rates. His company’s online platform connects 1.6 million members with 1,300+ lending institutions. Since its inception in 2007, Biz2Credit has arranged $1.2 billion in funding for startups and expanding companies and handles 5,000 new loan applications each month.

Nav Athwal, Founder & C.E.O., RealtyShares

Residential Real Estate Platforms | Real Estate FinTech Track, April 15, 1:55 pm

Nav is Founder and CEO of RealtyShares, an online marketplace for real estate investing connecting individual and institutional investors to private real estate investments located across the US. Prior to founding RealtyShares, Nav was a real estate and land use attorney at San Francisco based law firm Farella Braun & Martel (FBM). At FBM, Nav represented developers, fund managers, nonprofits and public and private REIT’s on some of the largest real estate and renewable energy projects across the US. Former clients include Equity Residential, Archstone, SKS Investments, AvalonBay, SFMOMA and First Solar and representative transactions include the Airbnb Headquarters, the Pinterest Headquarters and Desert Sunlight & Topaz, two of the largest utility scale solar projects in the world. Nav was named a 2013 Northern California Rising Star Lawyer and is a guest lecturer to UC Berkeley Law and MBA Students on Real Estate Law and Investments. Nav holds a BS in Electrical Engineering from UC Davis and a JD from UC Berkeley Law School where he was Class Valedictorian. Nav is also a licensed California Real Estate Broker and is a regulator contributor to Forbes.

Douglas Bean, Partner, The Private Advisory Group

The Financial Advisor’s Approach to Marketplace Lending | Track 2, April 14, 11:05 am

Douglas is an advisor who works with high-net worth individuals and families in the Seattle area. After leaving one of the large multi-national consulting firms over a decade ago, Douglas utilizes the concepts set forth by his CFP designation in a nonstandard practice. Portfolio construction at his firm is done from a managed risk perspective which is one of the primary reasons his firm has such a strong growth trajectory with AUM above $700 million.

Peter Behrens, Co-Founder & Chief Commercial Officer, RateSetter

The European Online Lending Opportunity | Main Track, April 14, 2:05 pm

Peter trained as a lawyer at Ashurst, before leaving to join RBS as a banker. Disillusioned with banking’s failure to serve the British public, Peter jumped at the chance to help Rhydian define the principles of a company intent on disrupting the sector. “Working in finance, I was all too aware of the inefficiencies of the big institutions and so was compelled to make RateSetter a success and to give people a tool that put them back in control of their own money. The success of peer-to-peer feels inevitable. The internet is breaking down all sorts of barriers and now it’s given us an opportunity to change the way people interact with their money. The decision to use peer-to-peer finance has become an easy one to make for those who take the time to consider it.” As CCO, Peter leads the commercial team of RateSetter.

Louis Beryl, C.E.O. & Co-Founder, Earnest

Trends in Underwriting | Track 2, April 14, 11:30 am

Louis Beryl is the CEO and co-founder of Earnest. He believes we can fix the financial system with elegant software, smarter data, and thoughtful design. He studied mathematics, economics, computer science, and engineering at Princeton before his graduate studies at Harvard. Prior to Earnest, Louis worked at banks, government agencies, startups, and the venture capital firm, Andreessen Horowitz.

William Black, Managing Director, Moody’s


William Black is a Managing Director of Moody’s Asset Backed Securities primary ratings team for the US and Canada franchises. Mr. Black heads a team of more than 40 credit professionals who cover a variety of ABS asset classes, including: credit card, auto, student loan, equipment, transportation, rental car, wireless tower, stranded cost, structured settlement, whole business, marketplace lending, and solar, among others. He is also the managing editor for the ABS Spotlight, Moody’s monthly credit research publication covering the US ABS sector. Mr. Black earned a BA in Economics from Vanderbilt University and an MBA at Fordham’s Graduate Business School.

Brock Blake, Founder & C.E.O., Lendio

Borrower Acquisition at Scale | Track 2, April 14, 2:25 pm

Moderator: Short Term Small Business Lending | Main Track, April 15, 11:40 am

Brock’s passion is to make small business lending simple for the 30 million Main Street businesses across the USA. Lendio is growing rapidly by helping over 100,000 small businesses each year get matched to a lender to start or grow their business. He has led Lendio to become #34 in Inc.’s 500 Fastest Growing Private Companies. At age 24, Brock was recognized by Utah Business Magazine as one of the Top 40 Under 40 business executives in Utah. In 2006, the Utah Technology Council named him Utah’s Emerging Executive of the Year. He’s also been included on vSpring Capital’s v100 Top Entrepreneur’s list five times in the last six years. Brock’s most important accomplishments come from being a husband and father of four.

Jeff Bogan, Head of Institutional Group, Lending ClubP2P Lending 101: Deep Dive into Lending Club’s PlatformPre-Conference Workshops, April 13, 2:00 pm

As Head of the Institutional Group, Jeff is responsible for platform funding, bank partnerships and corporate development. Before joining Lending Club, Jeff was at Morgan Stanley, where he served as an advisor to financial services and technology companies. He has extensive transactional experience in managing and structuring capital raises, mergers & acquisitions, and other strategic transactions. Prior experience includes similar roles at Greenhill & Co. and SunTrust Robinson Humphrey. Jeff holds a BBA from the University of Georgia and an MBA from Harvard Business School.

Speakers Speakers


Speakers Speakers

Etienne Boillot, C.E.O. & Co-Founder, Eiffel eCapital


Mr. Boillot is one of the most knowledgeable and influential investors within the marketplace lending space. He is the CEO and co-founder of Eiffel eCapital, Shepherd Capital and P2P Equity Partners. Shepherd Capital is a prominent European single family office and an early and active participant in the alternative lending market in the US, UK, France, Italy and Spain. Eiffel eCapital is a newly formed European entity created to offer Shepherd’s strategies to institutional investors across Europe. It is deploying proprietary capital of EUR 50 million across P2P platforms throughout Europe and the US. P2P Equity Partners is a private equity fund investing in the on-line lending market with a global portfolio of over 12 investments. Mr. Boillot has a deep understanding of “marketplaces”, which began with his participation in building the leading international publisher of classified ad magazines (Trader Classified Media) during the 1990s and continued with a seed investment in Etsy (the leading marketplace for handmade goods) and an early investment in Lending Club. Mr. Boillot has over 30 years of experience in private and public investing ranging from managing private equity funds to investing in alternative asset classes. He was a Founding Partner of Eckford Capital and of Compound Partners a multi-family investment structure. Mr. Boillot has an MBA from Stanford Business School (1986) and graduated from Dartmouth college in 1981.

Bo Brustkern, Co-Founder & C.E.O., NSR Invest


Bo Brustkern is co-Founder and CEO of NSR Invest. NSR Invest helps individuals and institutions intelligently access marketplace lending investment opportunities. The company’s core technology, NSR Platform, is a full technology stack supporting interactive analytics, custom modeling, model hosting, algorithmic investing, order execution, and portfolio management. Prior to co-founding NSR Invest, Mr. Brustkern co-founded LendIt, the world’s preeminent conference focused on the marketplace lending industry. Mr. Brustkern is also a partner at Lend Academy, the leading online news and education source for the marketplace lending industry. Prior to his pioneering work in online lending, Mr. Brustkern founded Arcstone Partners, a nationally regarded firm specializing in the valuation of complex securities. Previously, he was a venture capitalist at Rustic Canyon Partners; a private equity investor at BACE Industries; and an investment analyst at Wellsford (NYSE:WRP). Mr. Brustkern serves on the board at Spark Boulder, and is a member of EO – the Entrepreneurs’ Organization. He holds an MBA with distinction as a Deutschman Venture Fellow from the Anderson School at UCLA, and a BA from Dartmouth College.

John Bunting, Managing Director, Garrison

Moderator: The Growth of Securitization | Main Track, April 15, 2:55 pm

Mr. Bunting is responsible for origination, credit analysis, execution and portfolio management, of investments made from Garrison’s private equity funds. Prior to joining Garrison in 2008, Mr. Bunting was most recently a Director at Financial Security Assurance (“FSA”) where he worked since 2004. While at FSA, Mr. Bunting focused on non-MBS securitization transactions in the U.S., Asia, and Latin America covering a broad range of assets including aircraft, life insurance, consumer loans, and structured settlements. Prior to joining FSA, Mr. Bunting spent two years in the Structured Finance Group at Ernst & Young advising clients on risk management and loss mitigation strategies. Prior to E&Y, Mr. Bunting worked for NextCard, an internet based credit card bank, and was responsible for all debt financing activities.

Drew Burchard, VP, Retail Banking & Wealth Markets, Union Bank

Partnering with Banks | Main Track, April 14, 11:55 pm

Drew Burchard is a Vice President in MUFG Union Bank’s Retail Banking & Wealth Markets division, specializing in Strategy and Finance. He is responsible for developing and cultivating strategic partnerships and performing M&A diligence. Included in his role is the management and expansion of alternative lending programs and products to drive sustainable growth. Drew’s professional career has been focused on banking, with a background in finance, accounting, and relationship management where he has been responsible for strategic business development and analysis. Drew resides and works in the Seattle, Washington area. He is a graduate of University of Washington in Seattle, Washington and received a Masters in Accountancy from the Foster School of Business at University of Washington.

Matt Burton, C.E.O. & Co-Founder, Orchard Platform

Moderator: Emerging Online Lending Leaders | Main Track, April 15, 1:30 pm

Matt has spent his career creating technologies and businesses that have transformed industries. In digital advertising he helped build, scale and optimize the Internet’s top advertising exchanges at Google, Admeld and LiveRail, which handled collectively handled trillions of transactions. As employee number seven at AdMeld (which was acquired by Google for $400M in 2011) Matt played a central role in all aspects of the company, from product development to sales to operations. After Google, Burton joined LiveRail (which was acquired by Facebook for $500M in 2014) where he continued to focus on programmatic exchanges. After transforming Online Advertising Matt changed his focused to Lending. In 2013 he founded Orchard Platform, where he and his co-founders are combining their expertise in auction dynamics and bidding behaviors, extensive knowledge in credit risk and underwriting analytics to reimagine the future of credit. Matt is also is a three time Texas State Tennis Champion and loves racket sports and traveling the world.

Mike Cagney, C.E.O. & Co-Founder, SoFi

Hot Button Issues in Online Lending | Main Track, April 14, 11:05 am

Mike is responsible for evangelizing the SoFi model, as well as overall operations and corporate strategy and development. In addition, Mike is a co-founder and a managing partner of Cabezon Investment Group, a global macro hedge fund. Before Cabezon, Mike founded, was CEO and then Vice Chairman and Chief Architect of Finaplex, a leader in wealth management software that was sold to Broadridge (NYSE: BR). Before Finaplex, Mike was Senior Vice President and head trader for the proprietary trading and financial products group at Wells Fargo Bank. Mike holds an M.S., Management degree from the Stanford Graduate School of Business where he was a Sloan Fellow. He also received a combined BA/MS from UC Santa Cruz in applied economics.

Tom Capasse, Principal & Co-Founder, Waterfall Asset ManagementInstitutional Investors View of Real Estate CrowdfundingReal Estate FinTech Track, April 15, 9:15 am

Tom Capasse is a principal and co-founder of Waterfall Asset Management. Mr. Capasse has 32 years of structured credit experience globally, having founded, with Jack Ross, Merrill Lynch’s industry-leading ABS Group in the 1980s where they completed many first-time ABS issues and purchased non-performing loans from the Resolution Trust Corporation. Mr. Capasse subsequently managed structured credit Banking & Trading groups at Greenwich Capital, Nomura Securities, and Macquarie Securities. Mr. Capasse began his career as a Fixed Income Analyst at Dean Witter and Bank of Boston and received a B.A. from Bowdoin College in 1979.

Brendan Carroll, Partner, Victory Park Capital

Asset Allocation: Where Does the Asset Class Fit? | Main Track, April 15, 9:15 am

Brendan Carroll is a Partner at VPC, which he co-founded in 2007. He is responsible for sourcing, evaluating and executing private debt and equity investment opportunities, including assisting portfolio companies with strategic initiatives. Mr. Carroll also manages the sourcing and origination process as well as co-investments, fundraising and investor relations. Mr. Carroll is a member of the Firm’s Management and Investment Committees. Mr. Carroll serves as member of the Board of Directors of Victory Park portfolio companies, EMS Holdings I, Inc., and Enteris Biopharma, Inc. Previously, as a member of the Solutions Group at Magnetar Capital, Mr. Carroll specialized in direct financings to lower middle market companies. He has held various investment banking positions at William Blair and Company and Robertson Stephens, specializing in corporate finance and mergers and acquisitions. Mr. Carroll has also worked in various capacities for former U.S. Senator Joseph Lieberman (I- CT). Mr. Carroll received a B.A. with honors in government from Georgetown University and an M.B.A. from Harvard Business School.


Speakers Speakers

Angela Ceresnie, C.F.O. & Co-Founder, Orchard Platform


Angela Ceresnie spent 7 years working on credit risk analytics at American Express and Citibank. She led consumer and small business credit risk analytic teams at both companies, and is an expert in underwriting analytics and loan portfolio platforms having made billions of dollars’ worth of data-driven credit decisions. She excels at developing analytical strategies, and implementing and maintaining large operational systems where these strategies are executed. She also has experience in accounting and finance. At Orchard, she oversees operations, finance and client investment strategies. She has undergraduate and master’s degrees from the University of Michigan in Industrial and Operations Engineering, where she also played varsity water polo.

Chaomei Chen, Chief Risk Officer, Lending Club

Risk Management of Online Lending in the U.S. & China | China Pavilion, April 14, 1:35 pm

As CRO, Chaomei is responsible for the risk management function and infrastructure enabling Lending Club’s portfolio of multiple credit products. Chaomei brings over 25 years’ experience in the banking and financial services industry holding roles including Chief Risk Officer at JP Morgan Chase Card Services for the WaMu portfolio, Vice Chair and Chief Credit Officer at Providian Financial Corporation, and Chief Credit Officer at FleetBoston Card Services. Her experience includes executive positions with PNC National Bank, and management positions with Citicorp, American Express and Household Credit Services. Chaomei has overseen the business and credit risk within portfolios totaling more than $20 billion. Her experience includes M&A, enterprise risk governance, and Basel implementation. Chaomei holds a BS degree in mathematics from The Southwestern JiaoTong University in China and has earned an MSE degree in mathematical science from The Johns Hopkins University.

Connie Chern, Director of Financial Platform Operations, SolarCity

NextGen Energy Finance | Real Estate FinTech Track, April 15, 2:50 pm

As Director of Financial Platform Operations at SolarCity, Connie Chern structures financial products and manages the operations of a web-based platform to transact the sale and issuance of Solar Bonds to both individual and institutional investors. Prior to her current role at SolarCity, Ms. Chern was a Director in the SolarCity’s structured finance group where she originated and closed debt and tax equity financings for SolarCity’s distributed residential and commercial solar projects. Before joining SolarCity, Ms. Chern was a manager in the New York office of Novogradac & Company LLP, where she led the development of the firm’s presence in New York while providing audit, tax and advisory services for a range of tax credit investments in real estate and renewable energy projects. While at Novogradac & Company, Ms. Chern provided financial modeling and advisory services for more than $1 billion in tax advantaged assets for developers, private equity companies and tax equity investors. She is licensed as a certified public accountant in California and holds a B.A. in Legal Studies and a minor in business administration from the University of California, Berkeley.

Larry Chiavaro, Executive Vice President, Principal, First Associates


Larry Chiavaro is a Principal and the Executive Vice President at First Associates, the fastest growing loan servicer in the country with a $7 billion dollar portfolio under management for various asset classes including P2P and P2B loans. Chiavaro is a dynamic sales and business development executive with an outstanding 25-year track record of identifying and developing growth financial services markets. Prior to joining First Associates Loan Servicing, Mr. Chiavaro was the top Regional Vice President with CSC’s Loan Servicing division and has similar achievements earlier in his career as the Vice President/Sales Director for Household Auto Finance/HSBC and as Regional Vice President or GE Capital, and NovaStar Mortgage. Chiavaro has strong historical ties to the rating agencies built over years of experience in the consumer finance industry, and was active in the first P2P securitization for Eaglewood Capital, CAN Capital and Blackrock’s securitization for Prosper’s loans. Mr. Chiavaro is a graduate of the GE Management School and is a former semi-pro ice hockey player and a current HS and youth hockey coach.

Thomas D. Christopoul, Senior Partner, Head of Real Estate Investment, Cain Hoy EnterprisesInstitutional Investors View of Real Estate Crowdfunding Real Estate FinTech Track, April 15, 9:15 am

Mr. Christopoul leads the North American principal real estate investment activities as well as partnership operations and finance at Cain Hoy. Immediately prior to the founding of Cain Hoy, he was Senior Managing Director of Global Real Estate and Infrastructure at Guggenheim Partners. Before Guggenheim, Mr. Christopoul served as an Operating Partner of Falconhead Capital where he led several key private equity buyouts and oversaw several portfolio investments. While there, he served as Chairman and Executive Director of GPS Industries and as Executive Chairman of Rita’s Water Ice Franchise Company. Prior to Falconhead, Tom was President and CEO of Resources Global (NASDAQ: RECN), a multi-billion dollar global consulting services firm. Before Resources, he spent over 10 years at Cendant Corporation in various executive capacities, including Chief Administrative Officer, Chairman & CEO of Cendant’s Financial Services Division and Chairman & CEO of Cendant’s Marketing Services Division (now Affinion Group Holdings). Early in his career, he worked for several years at both Nabisco Brands and at PepsiCo. He currently serves on the boards of Rexnord Corporation (NYSE: RXN) and Apollo Residential Mortgage Corporation (NYSE: AMTG). He holds a B.A. from Rutgers University and an M.S. from Purdue University, where he is a distinguished alumnus.

Daniel T. Ciporin, General Partner, Canaan Partners

State of the Real Estate Online Lending Market | Real Estate FinTech Track, April 15, 8:40 am

Dan Ciporin joined Canaan Partners in 2007 and is currently a General Partner specializing in financial technology, marketplaces, digital media and e-commerce investments. Dan sits on the boards of publicly held Lending Club (LC) and Borderfree (BRDR) as well as numerous private companies including Orchard, CircleUp, ShopKeep, Borro and JOOR. He is the former Chairman and CEO of Shopping.com where he oversaw growth from zero to over $100 million in revenue in just five years, culminating in the company’s IPO in October 2004 and later acquisition by eBay in 2005. Prior to Shopping.com, Dan served as senior vice president of MasterCard International, where he managed global debit services. He holds an A.B. from Princeton University’s Woodrow Wilson School of Public and International Affairs and an MBA from Yale University.

Itzik Cohen, VP, Business Development, Prosper Marketplace

A Mobile Approach to Online Lending | China Pavilion, April 15, 1:30 pm

As Vice President Business Development, Itzik oversees all aspects of partnerships, strategic business and corporate development, including channel management, customer acquisition and growth. Prior to joining Prosper Itzik was founder of ClipSync, a leading interactive video platform, and served as its Chief Executive Officer. Itzik was a part of the early team at WebEx Communications, the Web Meeting Applications Company Acquired by Cisco Systems. At WebEx he focused on strategic business and corporate development and reported to the CEO. Prior to WebEx, he was Director of Business Development at NetManage Inc., where he led the Advanced Technology team focusing on collaborative technologies. Itzik was a professional basketball player in the Euroleague playing for Maccabi Tel-Aviv, a 5 time EuroLeague champion. Itzik also served in the Israeli Air Force and received B.S from Tel Aviv University.

Alejandro Consentino, Founder & C.E.O., Afluenta

Global Online Lending Leaders | Track 2, April 14, 9:30 am

Alejandro Cosentino is the Founder and CEO of Afluenta, the leading and most participating peer-to-peer lending community across Latin America where members lend and borrow money for better yields cutting out expensive and traditional middleman. Alejandro combines a well-known experience in innovation and implementation of financial services and technology businesses. He played a critical role in the revamp of American Express Latin America and Caribbean during the ‘90s and in the successful transformation of Banco Rio before being acquired from Banco Santander. He also created StarMedia Gratis1 (first free ISP across Latin America) and VOY Music (first online Latin radio) designing revolutionary cross-border services. He was Executive Director of The Exxel Group (Latin American LBO) gaining experience in merge and acquisitions. Alejandro has a Business Administration degree and CPA from Universidad Católica Argentina on Buenos Aires. He has also been a speaker at FinTech conference as well as e-Commerce seminars such as Next Bank Latam and eCommerce Days across Latin markets.


Speakers Speakers

Jim Costello, Senior Vice President, Real Capital Analytics

Real Estate Data & Technology | Real Estate FinTech Track, April 15, 5:20 pm

Jim Costello has worked in the CRE space on issues of urban economics since 1990, including a 20 year stint at CBRE. In his time at CBRE he helped expand analytical capability of the Torto Wheaton Research (aka CBRE EA) team by integrating the forecast results into more direct applications related to investor questions on asset values. Jim is expanding the capabilities of the Real Capital Analytics team on issues of real estate market dynamics. Jim has a Master’s degree in economics and is a member of the Counselors of Real Estate.

Brett Crosby, Co-Founder & C.O.O., PeerStreet


PeerStreet is a marketplace for investing in real estate backed loans. As co-founder and Chief Operating Officer, Brett crafts the company’s strategy, product and messaging. Brett was previously the Director of Product Marketing at Google where his 10 year tenure spanned many of Google’s most prominent products. Most notably he co-founded Google Analytics, helped start Google’s mobile advertising business, ran the founding marketing team that launched Google+ and most recently ran the global marketing teams responsible for the dramatic growth of Chrome, Gmail, Docs, and Drive. Before Google he co-founded Urchin Software Corporation, a web analytics service acquired by Google in 2005. Brett advises and invests in startups and is an active real estate investor. He graduated USC with degrees in international relations and political science and furthered his education with programs at Georgetown, Michigan State and Semester at Sea.

Russell Cummer, C.E.O., Paidy

Innovation in Purchase Finance | Main Track, April 15, 5:00 pm

Russell is the co-founder and CEO of Paidy, Japan’s first cardless checkout and instant credit for e-commerce service. He has been a fintech-focused entrepreneur in Asia for seven years. Before launching Paidy, Russell and his team created AQUSH, Japan’s leading P2P platform for unsecured consumer credit, which they continue to operate. At the start of his career, Russell spent 7 years in financial markets, first as a member of the Merrill Lynch Global Equity Derivatives Strategy Group in Hong Kong and then as a proprietary-focused trader on the Asia Credit and Convertibles Trading desk at Goldman Sachs in Tokyo and Hong Kong. Russell was born in Singapore and grew up in Hong Kong and Canada. He holds a BSc in Physics from Imperial College London and an MSc in Financial Mathematics from Stanford University.

Brian Dally, C.E.O. & Co-Founder, GroundfloorModerator: Real Estate Crowdfunding Property TypesReal Estate FinTech Track, April 15, 4:45 pm

Brian Dally is the CEO and co-founder of GROUNDFLOOR. As an Internet ideologue and community organizer at heart, Brian enjoys attacking entrenched industry incumbents from a position of weakness. Brian’s 15 year career building disruptive technology startups spans stints in Silicon Valley, Boston, London and the North Carolina Triangle region. Previously, he led the launch of Republic Wireless to take on the big four cellphone carriers to international acclaim. As a result, millions more Americans can now afford a smartphone. Brian has a JD from Harvard Law School, an MBA from Harvard Business School, and a BA with Highest Distinction from the University of Virginia.

Jeff Danford, C.E.O., BlueYield

Partnering with Banks | Main Track, April 14, 11:55 am

Jeff Danford, is the CEO of BlueYield, a “direct-to-consumer” auto finance lending exchange, delivering exceptional value to a community of affinity partners, consumers, lenders and lead sources. BlueYield deploys proprietary technology, sophisticated processes and high-touch service to create a unique experience for consumers looking to refinance their current auto loan, or for an alternative to dealer-sourced financing. Jeff has over 20-years’ experience in the automotive industry, holding executive positions at Ford Credit, Honda Finance, and Mercedes-Benz Credit, prior to BlueYield. He has a long history of launching and managing successful and innovative internet-based lending operations including Giggo.com for Mercedes-Benz, E-Loan’s auto division, and Fourth Fleet Financial. Over the years, Jeff has also developed dozens of leading-edge business partnerships with companies including Bank of America, Wachovia, Wells Fargo, Compass Bank, Citicorp, Fiserv, GE Capital, PHH Arval, AutoNation, Microsoft, Yahoo, and eBay. Jeff holds a BA in Finance and an MBA in Management.

Kevin Daniels, Chief Product Officer, C2FO

Next Generation of Invoice & Receivables Finance | Main Track, April 14, 2:50 pm

As Chief Product Officer at C2FO, Kevin is responsible for setting and driving the product and platform vision. In 2014, over 9,700 companies with average revenue of $100 million dollars joined C2FO to accelerate their cash flow, and in December of 2014, the C2FO market recorded monthly fund flows of over USD $1.4B. Kevin has 18+ years of high-tech startup experience and a strong track record of leadership roles in successful companies including Mass Relevance, Bazaarvoice, TripAdvisor, and SportsMEDIA Technology Corporation, where he won 2 Emmy awards. He has a BS degree in Computer Science from Duke University, and an MBA from the Tuck School of Business at Dartmouth.

Stephen Dash, C.E.O. & Founder, Credible

Moderator: Student Lending Begins to Scale | Track 2, April 14, 1:35 pm

Stephen Dash is the Founder of Credible (Credible.com), a San Francisco based technology company. Credible is the simple way for graduates to reduce their student loan payments. Credible provide an independent, transparent marketplace where graduates receive personalized offers from multiple lenders to refinance their student loans. Prior to Founding Credible, Stephen was an Investment Director at MHC & Co, an Australian Venture Capital fund. He was responsible for originating, executing and managing principal transactions on behalf of the fund. Stephen was an Investment Banker at J.P. Morgan Chase between 2006 and 2010, focused on M&A and capital raising for banks and insurance companies. He graduated as Valedictorian of the University of Queensland Business School in 2005 with first class honors in finance.

Raj Date, Managing Partner, Fenway Summer

Presentation: Intersection of Lending Innovation and Regulation | Track 2, April 14, 2:05 pm

Raj serves on the Boards of Directors for two Fenway Summer-sponsored startups: a mass-market credit card venture, and a prime non-agency mortgage originator. He also serves as a Director for several other innovative, high-growth firms in consumer finance, including Prosper, the peer-to-peer lender; Circle, the digital currency firm; and Kensington Vanguard, a national title insurance agent. Through Fenway Summer’s advisory practice, Raj counsels a range of clients on strategic and financial issues. For Raj, Fenway Summer is the latest chapter in a long and varied career in and around U.S. financial institutions – as a senior policymaker, as a bank executive, and on Wall Street. Raj was the first-ever Deputy Director of the U.S. Consumer Financial Protection Bureau. As the Bureau’s second-ranking official, he helped steward the CFPB’s strategy, operations, and policy agenda. He also served on the senior staff committee of the Financial Stability Oversight Council, and as a statutory deputy to the FDIC Board. Before his time in public policy, Raj was a Managing Director in the Financial Institutions Group at Deutsche Bank Securities, where he led the firm’s investment banking coverage for the largest U.S.-based banks and thrifts. He graduated from the College of Engineering at the University of California at Berkeley (highest honors) and Harvard Law School (magna cum laude).


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The way we did business yesterdayis not the way we do business today.Nor the way we’ll do business tomorrow.

KPMG LLP (KPMG) is at the forefrontof the financial technology sector,helping emerging fintech leaders andestablished players fulfill their vision.

KPMG can help you turn innovative ideas into real-world value.

Visit fintechinnovators.com for more on the best global fintech innovators.

Business models evolve. It’s happening now.


Speakers Speakers

Don Davis, Managing Partner, Prime Meridian


Don Davis is the managing partner of Prime Meridian Capital Management a firm specializing in the P2P lending space, as well as the president and chief investment officer of Novus Investments, which has been ranked #1 in the US for total performance over a 5 and 7 year period. Prior to starting Novus in 2004, Mr. Davis was an independent consultant and advisor to financial institutions specializing in research, analytics, and client retention. As a seasoned industry veteran and skilled investor, Mr. Davis applies his knowledge, conservative management principles, and hands on expertise to the day-to-day management of the Prime Meridian Income Fund, a P2P consumer lending fund with one of the longest established track records in the burgeoning P2P lending space; and the Prime Meridian Small Business Lending Fund, which specializes in P2P lending for high quality collateralized small business loans backed by creditworthy personal guarantees. Mr. Davis is also a recognized speaker in the peer-to-peer institutional investing lending space recently featured at: Bloomberg, LendIt, ABA conferences, Emerging Manager Forum, AltInvest conferences; LendAcademy, the P2P Lending Investing Summit; and John Lothian News. Mr. Davis resides in the San Francisco Bay area and is actively involved in local charities with a special interest in assisting disadvantaged children, the disabled, and veterans.

Michael Deck, Founder & C.E.O., PeerTrader

Investor Side Technology | Pre-Conference Workshops, April 13, 2:30 pm

Mike Deck is the CEO of PeerTrader, a Chicago-based RIA specializing in investment strategies for peer-to-peer and marketplace lending. Prior to entering the credit industry, Mike was a quantitative analyst and trade execution specialist for Superfund Asset Management. During his time with the Europe-based hedge fund, he developed and implemented proprietary trade execution algorithms that increased investor returns by $3 million per year. Mike holds a B.A. in Statistics, Mathematics, and Economics from Northwestern University, with a focus in data mining and statistical computing.

Andrew Deringer, V.P., Head of Financial Institutions Group, Lending Club


Andrew Deringer manages Lending Club’s financial institutions business, which includes asset acquisition and joint marketing arrangements with banks and finance companies. Before joining Lending Club, Andrew held various roles at Morgan Stanley in investment banking covering financial institutions as well as the firm’s corporate strategy and M&A group. Prior experience include positions at the Federal Reserve Bank of Chicago in the area of Supervision and Regulation with responsibilities of examining large financial institutions as well as small community banks on topics of credit risk management and financial safety and soundness. Andrew holds a BA from Eckerd College and an MBA from University of Chicago.

Richard Dougherty, Sr., Sr. Director, Risk Management Line of Business, FICOFICO’s Credit Boot Camp for Alternative LendingPre-Conference Workshops, April 13, 3:30 pm

Richard Dougherty has been with FICO for 10 years and is the Segment Leader for Originations within FICO’s Risk Lifecycle Business group. Rich has spent the last 20 years working with clients across Europe, Africa and the Americas helping them solve challenges and drive value through the originations function. He has performed a series of roles from software developer, designer, architect, project manager and strategy consultant. Rich holds a B.A. from London South Bank University, England and an MBA from the University of Warwick, England.

John Elias, Independent Executive Consultant

Moderator: Transforming Mortgage Markets | Real Estate FinTech Track, April 15, 11:50 am

Mr. Elias currently works as an Independent Executive Consultant within the Financial Services industry providing Operational and Financial analysis to improve efficiencies and net profitability. Previously, John served as Chief Operating Officer and Executive Vice President for Chicago based Guaranteed Rate; the second largest independent retail mortgage bank in the United States, producing over $14 Billion in annual volume (50,000+ transactions) and over $500 Million in annual revenue. He oversaw all personnel, procedures and maintained full profit and loss responsibility for three corporate divisions employing over 2,500 employees. In addition he partnered with the executive management team in plotting business strategy, marketing direction, pricing and led the Merger and Acquisition of twenty-one Correspondent/Brokerage firms from 2008-2012. During his tenure, mortgage originations grew from less than $1 Billion to over $14 Billion. John is a graduate of Fredonia (State University of New York) and currently resides in Glenview, IL with his wife and two sons.

Christian Faes, C.E.O. & Co-Founder, LendInvest


Presentation: Building Scale for Real Estate | Real Estate FinTech Track, April 15, 2:30 pm

Christian is Co-Founder of LendInvest, an online marketplace for mortgages, and one of the fastest growing UK P2P platforms. Christian is also a partner at Montello Capital Management, one of the leading real estate asset managers in the UK, and has 3 funds with over £120m under management. He is also a qualified lawyer with corporate finance and real estate experience.

Yihan Fang, C.E.O., YirendaiGovernment Regulation of Online Lending in the U.S. & ChinaChina Pavilion, April 14, 2:40 pm

Ms. Yihan Fang is the CEO of Yirendai.com, a CreditEase company. Yihan has 15 years of experience in product, technology and marketing in internet and financial services. Prior to joining CreditEase, Yihan served as director of marketing products at Nelnet/CUNet in 2011, a leading provider of digital enrollment marketing solutions. Prior to that Yihan worked at IAC/Ask.com for 8 years, as Vice President of Global Search and Answers overseeing strategy and product development of various key search and question/answer products. Yihan received a Master of Philosophy and a Master of Science in Electrical Engineering and a Master of Arts in Astronomy from Columbia University. She completed her undergraduate study in Special Class for Gifted Young at University of Science and Technology of China.

Nino Fanlo, C.F.O. & C.O.O., SoFi


Nino Fanlo, SoFi’s Chief Financial Officer and Chief Operating Officer, brings over 30 years of experience in financial services and capital markets. Nino was the former CEO of KKR Financial (NYSE: KFN) and Executive Vice President and Treasurer of Wells Fargo (NYSE: WFC). Before his nine years at WFC, Nino was a Vice President at Goldman Sachs responsible for the Commercial Mortgage Backed Securities desk. Nino also had prior investment banking and asset management roles at Credit Suisse, Metropolitan Life and Australian Capital Equity, where he focused on commercial real estate fixed income assets as well as capital raising and funding activities. Nino holds a BA degree in economics from Haverford College in Pennsylvania.


Speakers Speakers

Paul Fielding, Head of Capital Markets, SoFi

Transforming Mortgage Markets | Real Estate FinTech Track, April 15, 11:50 am

Paul is responsible for capital markets at SoFi overseeing student loan, mortgage, and personal loan financing with banks, securitization markets, institutions, and retail investors. Before SoFi, Paul co-founded and led MeasureOne, the leader in student loan data and analytics. Before MeasureOne, Paul ran new product development for LoanPerformance (now CoreLogic) specializing in non-agency mortgage data. Paul holds a BA in economics and accounting from UCLA.

Bill Fisher, Founder & C.E.O., PLUM

Commercial Real Estate | Real Estate FinTech Track, April 15, 4:10 pm

As an Executive Vice President with Wells Fargo Bank (NYSE: WFC), Bill had responsibility for small business, retail and wealth management segments, including the $12 billion Northern California division. Subsequently, Bill was the founder and CEO of GetSmart.com, which was purchased by Barry Diller’s Interactive Corp. (NASDAQ: IACI) Bill is also the co-founder and long-time partner of the Tiburon family of international seed funds, with 22 successful exits, including Trivago, Xing (XETRA: XING AG), Cadooz, and Localisten.de. He is an avid fly-fisherman and lives in northern California with his wife and three children.

Barry Freeman, Co-Founder & C.E.O., Jimubox

Accelerated Growth by Partnering with Originators | China Pavilion, April 15, 11:40 am

Barry Freeman is Co-Founder and CFO of Jimubox (www.jimubox.com), an industry-leading marketplace lending platform based in Beijing, China. Jimubox facilitates internet-funded loans for under-banked Chinese consumers and small business borrowers. Prior to Co-Founding Jimubox, Mr. Freeman was CFO and Executive Director of Credit Heng Guarantee, an SME bank loan guarantor based in Kunming, China. During Mr. Freeman’s time at Credit Heng, the company completed more than 5 billion RMB of SME bank loans to more than 500 SME borrowers. Previously, Mr. Freeman was a Founder of Huasong Capital Ltd., a Kunming, China based investment management firm. Prior to forming Huasong Capital Ltd., Mr. Freeman was a Managing Director at ARC China in Shanghai, and a Vice President at Knight Capital Group, an equity trading and market-making firm in New York. Mr. Freeman received a bachelor’s degree in business administration from The University of Georgia.

Jason Fritton, Co-Founder & C.E.O., Patch of Land


Jason Fritton is Co-Founder and CEO of the National Alternative Real Estate Lender and Crowdfunding platform, Patch of Land. Jason originally conceptualized Patch of Land in early 2011 as a means to help rescue parts of Chicago devastated by the real estate crash. He has been involved with crowdfunding legislation since the beginning and worked with Congressmen to lobby for the crowdfunding exemptions that were written into the 2012 JOBS Act. Jason guides Patch of Land’s operations, strategy and execution. Previously Jason founded a multi-million dollar business, working in technology project design and procurement in the public sector, managing a major build out for the US Army. Jason studied philosophy & history at Cornell College.

Gilles Gade, C.E.O. & Founder, Cross River Bank

Regulatory & Compliance Q&A | Company Demo Track, April 14, 4:30 pm

Gilles Gade is a founder of Cross River Bank (CRB) and has served as its Chairman, President and CEO since its inception in 2008. Gilles is steering CRB as an innovation-driven state-chartered bank and a provider of fully compliant financial solutions to the marketplace lending and payments sectors. Gilles possesses over 20 years of experience in investment banking and venture capital including Co-Founder and Managing Director of Chela Technology Partners and Chela Internet Ventures, a boutique investment bank and venture fund focusing on emerging technologies and telecommunications; technology investment banker at Barclays Capital; and FIG investment banker at Bear Stearns. Gilles started his career in 1990 at Citicorp Venture Capital.

Rocco Galgano, Co-Founder & Chief Engineer, NSR Invest


Rocco Galgano is co-Founder and Chief Engineer of NSR Invest. NSR Invest helps investors and institutions intelligently access marketplace lending investment opportunities. The company’s core technology, NSR Platform, is a full technology stack supporting interactive analytics, custom modeling, model hosting, algorithmic investing, order execution, and portfolio management. Mr. Galgano helps educate and provide tools for the broader financial community to take marketplace lending beyond an alternative asset class into a mainstream investment. Prior to co-founding NSR Invest, Mr. Galgano founded Prosper-Stats.com, and was a partner at Nickel Steamroller where he co-developed the world’s first order execution and portfolio management system for the peer-to-peer lending industry. Prior to his pioneering development of online lending technologies, Mr. Galgano built building large scale cloud-based systems to support multi-billion dollar fund management applications, and developed secure international communication systems for the US government.

Chris Ganan, Co-Founder & President, AssetAvenuePlatforms Shifting from Retail to Institutional InvestorsReal Estate FinTech Track, April 15, 11:15 am

Chris was with CohnReznick Advisory Group, sourcing and structuring joint venture equity transactions for sponsors with hedge funds, private equity groups, and family offices. Formerly he was with Alvarez & Marsal, the global restructuring firm handling the wind-down of Lehman Brothers. Chris started his career at Investments Limited, where he worked on the acquisition and disposition of over $300 million of commercial real estate assets. He holds an Economics Degree from Johns Hopkins University.

Michael Garrity, C.E.O. & Co-Founder, Financeit


Michael Garrity, Financeit CEO and Co-Founder, has spent most of the last 15 years devoted to driving growth in businesses dedicated to innovation in financial services. Co-founding Financeit in 2010, the company provides businesses and customers with a user-friendly experience that focuses on fairness and transparency. Since launching in 2011, Financeit has signed up over 3,800 retail, vehicle, home improvement and healthcare businesses that have processed more than $825 million in loans in Canada and the United States. Prior to Financeit, Michael was the Vice President of Sales and Marketing at epost, a world leader in the electronic bill presentment and payment industry. He also served as a Legislative and Special Assistant to a number of Members of Parliament at the House of Commons in Ottawa. Michael attended both the University of Manitoba and Carleton University and holds a B.A. in Political Science and Economics. Born in Churchill, Manitoba, Michael has lived in British Columbia, Ontario and the North West Territories. He currently resides in Toronto with his family.

Greg Gibb, Chairman & C.E.O., Lufax

Fireside Chat | Main Track, April 14, 4:05 pm

China: The Largest Internet Finance Market in the World | Main Track, April 14, 4:40 pm

Gregory D Gibb is the Chairman & CEO of Shanghai Lujiazui International Financial Asset Exchange Co., Ltd. (“Lufax”). With more than 20 years of experience in the global financial services field, Gibb joined Ping An Group in 2011, serving as the Chief Innovation Officer of Ping An Group and the CEO of Ping An Financial Technology. Previously, Gibb was responsible of the day-to-day operations of Taishin Financial Holdings, a publicly listed financial company in Taiwan with 25 billion USD in assets under management and 7,000 employees. In 2006, Gibb was instrumental in raising USD 1.1 billion from global investors to strengthen Taishin’s balance sheet. Today, Taishin is one of the most profitable banks in Taiwan. Gibb started his career at McKinsey & Company, where he was the Global Senior Director of the Greater China region in charge of financial services. In this role, Gibb provided strategic operation and financial management consulting services to financial institutions and regulatory agencies of various Asian nations. Gibb graduated from Middlebury College in 1989, with a Bachelor of Arts degree in East Asian Studies and is fluent in spoken and written Chinese.


Speakers Speakers

Ryan Gilbert, C.E.O. & Co-Founder, Better Finance


Ryan is the co-founder and Chief Executive Officer of Better Finance, Inc. (formerly BillFloat), www. betterfinance.me. As CEO, he is focused on providing innovative financial solutions that meet the needs of consumers and small businesses through technology-led partnerships with retailers and financial institutions. Prior to launching Better Finance, Ryan was an Entrepreneur-In-Residence at Venrock, a leading venture capital firm, where he focused on financial services opportunities. Previously, Ryan was co-founder and CEO of real estate payments company, PropertyBridge, which was acquired by MoneyGram International. He also brings strategic experience from Wells Fargo Payment Services and Andersen Consulting. He is a director or River City Bank, and an active investor and advisor to innovative early-stage payment companies including Eventbrite and Square. Ryan is a member of the State Bar of California and is admitted to practice law in the United Kingdom and South Africa. Ryan earned his Bachelor of Commerce and Bachelor of Laws degrees from the University of the Witwatersrand, Johannesburg.

Dave Girouard, Founder & C.E.O., Upstart

Emerging Online Lending Leaders | Main Track, April 15, 1:30 pm

Dave Girouard is founder and CEO of Upstart. Prior to that, he was President of Google Enterprise, where he built Google’s cloud apps business worldwide - including product development, sales, marketing, and customer support. Girouard was also a Product Manager at Apple; SVP of products & marketing at video search company Virage; an associate in Booz Allen’s Information Technology practice; and a software developer at Accenture.

Tom Goila, Senior Managing Director, Aequitas Capital


Mr. Goila joined the private credit and private equity divisions at Aequitas Capital in 2014. Mr. Goila joined Aequitas from Goldman Sachs where he worked for the past nine years in the Special Situations Group as a Director in the Specialty Lending Group in Atlanta, Georgia. While at Goldman Sachs Mr. Goila focused on middle-market healthcare investing for both debt and equity securities. He has considerable experience in negotiating highly structured and unique investments designed specifically for each transaction. Prior to Goldman Sachs, Mr. Goila worked in the Healthcare Finance Group at BNP Paribas where he partnered with private equity groups and healthcare companies to provide debt and equity financing to middle-market companies. Mr. Goila began his finance career at First Union Securities where he was a member of the Healthcare Corporate and Investment Banking division in Charlotte, North Carolina. Mr. Goila holds a Bachelor of Arts degree from Furman University.

Glenn Goldman, C.E.O., RetailCapital

Big Data and the Future of Financing | Track 2, April 14, 12:05 pm

Glenn Goldman is CEO of RetailCapital, driving the company’s expansion by offering a comprehensive suite of financing products to a broad range of small businesses. Formerly the CEO of CAN Capital for 12 years, Glenn helped create the alternative lending market, building and growing a leading financial technology platform that revolutionized the availability of capital to small businesses. Under Glenn’s leadership, CAN produced record growth in funding, revenue, earnings and shareholder value, making the company the largest non-bank provider of capital to small business in the U.S. Glenn currently sits on the advisory board for Orchard Platform, is a former advisory board member of DemystData, and was formerly an entrepreneur-in-residence at Flexpoint Ford, a private equity investment firm specializing in financial services and healthcare. With more than 20 years of experience in the financing and lending industries, Glenn can provide unparalleled insight into what innovations, such as breakthroughs in data science, will mean for the alternative lending market.

Al Goldstein, Co-Founder & C.E.O., Avant



Al Goldstein is the co-founder and CEO of Avant, one of the fastest growing national online providers of consumer loans. By utilizing advanced algorithms and machine-learning capabilities, Avant offers a unique and highly customized approach to the personal loan process. After securing more than $1 billion in funding, Avant was the most funded company in Chicago in 2014. The company has issued more than 150,000 loans operating in 46 U.S. states and in the United Kingdom. Prior to Avant, Al co-founded Pangea Properties, a private REIT invested in distressed and value-add multi-family properties in the Chicago, Indianapolis and Baltimore markets. Al was co-founder, President and CEO of CashNetUSA, now Enova International, from 2004 until 2008, after selling to Cash America International in 2006. Prior to that, he was part of Deutsche Bank’s Leveraged Finance practice in New York and worked on various secured and unsecured leveraged debt transactions. He received a Bachelor of Science in Finance with a Mathematics Minor from the University of Illinois where he graduated with High Honors and is a CFA charter holder.

Rodolfo Gonzalez, Associate, Foundation Capital

Moderator: Global Online Lending Leaders | Track 2, April 14, 9:30 am

Rodolfo Gonzalez joined Foundation Capital in 2013, and is fascinated by financial disintermediation, marketplaces, and bringing transparency, flexibility and simplicity to the consumer experience. As a kid, he wanted to be a professional soccer player or a filmmaker; but found a passion for promoting economic growth through financial inclusion. He was 17 when he co-founded his first startup, Mexplosion, to host the Mexican qualifiers for the World Cyber Games e-gaming competition in 2001. His second and more recent entrepreneurial venture was Youvest, a crowdfunding platform for social enterprises. At McKinsey, Gonzalez worked with the top financial institutions in Latin America - banks, insurers, asset managers, and payments processors. He participated in growth, economic development and financial inclusion projects, and coauthored several papers on retail banking, payments, and SME banking in Latin America. In 2012, Gonzalez spent the summer with Open Capital Advisors in Nairobi, Kenya, advising renewable energy, agribusiness, and health care startups.

Brian Graham, C.E.O., Alliance Partners


Brian is CEO and a Board member of Alliance Partners. From 2008 to 2011, Brian was a partner in Blue Ridge Capital Management, LLC, a global asset manager with $7 billion in equity capital under management. From 2005 to 2008, Brian served at CapitalSource, where he led the transformation of the company into a bank. Previously, Brian held various leadership positions at Fannie Mae and was an investment banker at Morgan Stanley & Co. Incorporated. Brian has also served in government, both as the senior financial services aide to then Congressman Charles E. Schumer during the thrift crisis and as a staff member on the “Brady Commission” which investigated the causes of the 1987 stock market crash. Brian received his undergraduate degree from Harvard College and his MBA from Stanford University.

Fiona Grandi, Lead Partner, KPMG


Fiona is the Lead Partner for KPMG’s Marketplace Lending Practice and a member of KPMG’s Global FinTech Innovation Counsel. In addition, Fiona serves as the Advisory Leader for KPMG’s San Francisco, Sacramento and Hawaiian offices. Fiona has significant experience with traditional banking, online lending platforms, institutional investors and other P2P ecosystem players. Fiona is the principal author of “Value-Based Compliance: A Marketplace Lending Call to Action”. Fiona has over 21 years of experience in public accounting, including 19 years in the Audit and Advisory practices of KPMG. Fiona is a Certified Public Accountant (CPA).


Speakers Speakers

Sam Graziano, Co-Founder & C.E.O., Fundation


Sam Graziano, a highly experienced financial services executive and entrepreneur, is the Co-Founder and Chief Executive Officer with Fundation Group LLC, one of the nation’s leading online lending companies, a technology-empowered direct lender that delivers small balance commercial loans nationwide. Mr. Graziano is directly responsible for the strategic direction and fiscal growth of the company. Prior to co-founding Fundation, Mr. Graziano spent more than a decade in investment banking and private equity where he developed an expertise in strategic, financial and operational issues for banks, specialty finance companies, asset managers, broker/dealers and other institutions throughout the financial services sector. Previously, Mr. Graziano served as a Principal with Centerview Partners, where he provided strategic and financial advisory services to some of the nation’s largest and most recognizable financial services companies. Mr. Graziano also co-founded KBW’s private equity business. Mr. Graziano received a B.S., Computer Science and Engineering from Bucknell University with honors.

Paul Gu, Co-Founder & Head of Product, Upstart


Paul is co-founder and head of product at Upstart. Paul pioneered Upstart’s statistical models to predict income and employment, and now oversees the team’s product and data science efforts. Paul’s background is in quantitative finance - he began to profitably trade at the age of 20, and previously worked in risk analysis at the D.E. Shaw Group. He has been recognized as one of Peter Thiel’s 20 under 20 Fellows and Silicon Valley Business Journal’s 40 under 40. Paul studied economics and computer science at Yale University.

Vance Gudmundsen, Regulatory Counsel-Vice President, FICOFICO’s Credit Boot Camp for Alternative LendingPre-Conference Workshops, April 13, 2:00 pm

He is a Vice President in the Legal Department, responsible for government affairs, regulatory compliance, and data privacy. In his career, Vance has advised several major financial institutions as in-house counsel, including Capital One Bank, Nationwide Insurance, Erie Insurance Group, and the Illinois Insurance Department.

Kevin Guo, Co-Founder & Co-C.E.O., Dianrong.comGovernment Regulation of Online Lending in the U.S. & ChinaChina Pavilion, April 14, 2:40 pm

Kevin Guo is a partner of a well-known law firm in Shanghai. He has been working as a professional lawyer for over ten years, specialized in intellectual property. Before establishing Dianrong with Soul, he was active in venture capital investment. He was acting as the executive partner of Unique & Leadership, the private equity funds, whose invested companies have been already listed on the market or approved by brokers’ internal review. In 2012, Kevin Guo invited Soul to China and established Dianrong.com together. In 2014 Kevin was elected as one of Shanghai Top 10 young IT talents and Shanghai Youth Union member. He was taking the director role of Shanghai Finance Institute and rotation director of Financial Innovation and Internet Finance Law Research Centre of China University of Political Science and Law. He has obtained EMBA of PBC School of Finance, Tsinghua Uni. His new book ‘Principle, Partice and Supervision of Internet Finance Industry’ was published last year.

James Gutierrez, C.E.O., Insikt, Founder, Oportun

Moderator: Financing Near-Prime Borrowers | Track 2, April 14, 3:00 pm

James is a leading social entrepreneur and innovator in financial technology. James is CEO and co- founder of Insikt, a technology company based in San Francisco that helps established brands lend to their customers and turns those loans into attractive yielding products for accredited investors. Prior to Insikt, James founded and was CEO of Progreso Financiero (now Opportun), the leading provider of responsible, unsecured loans to Hispanics in the US that recently surpassed $1 billion in loans and over half a million borrowers since its founding. As CEO from 2005-2012, James led Progreso from its development as a nascent start-up to a market leader in the lending industry and raised over $250 million of debt and equity to fund its growth. In 2010, BusinessWeek selected James as one of America’s most promising social entrepreneurs and in 2012, Goldman Sachs named James one of America’s top 100 most intriguing entrepreneurs. In addition to Insikt, James is a founding partner of Insikt Ventures, an early stage venture fund focused on financial technology companies including OnDeck Capital, Blend Labs, and Listo Financial. James graduated with a BA in Economics from Yale University and a MBA from Stanford’s Graduate School of Business.

Melissa Guzy, Co-Founder & Managing Partner, Arbor Ventures

Moderator: A Mobile Approach to Online Lending | China Pavilion, April 15, 1:30 pm

Melissa, who is the Co-Founder and Managing Partner of Arbor Ventures, has more than 25 years of experience as an entrepreneur and as a venture investor. Prior to founding of Arbor, Melissa was the Managing Director, member of the Investment Committee and head of VantagePoint Asia. During her tenure at VantagePoint, she invested in early stage technology companies in both Asia and in Silicon Valley. Arbor Ventures is focused the intersection of Financial services and Digital Commerce including trading, credit scoring, data analytics, alternative lending and payments across Asia and Oceania. Arbor Ventures has a presence in Hong Kong, Shanghai, Tokyo and Jakarta and prefers to invest in companies that have a regional or global reach. Melissa is a frequent guest lecturer on Venture Capital at the University of Florida, HKUST, Chinese University of Hong Kong and Hong Kong University. In 2010, Melissa published an academic paper titled “Venture Capital Returns and Public Market Performance”. Melissa serves on the HKVCA Venture Committee. Melissa attended Wellesley College and received a Master’s degree in Finance from the University of Florida. She is the author of the paper “Venture Capital Returns and Public Market Performance”. She has been a guest lecturer on the Venture Capital Industry at the University of Florida, Hong Kong University and the Hong Kong University of Science and Technology. Melissa is a Hopkins Fellow and participated in the Women’s Leadership Program at Harvard University.

Jacob Haar, Co-Founder & Managing Partner, Community Investment Management

Moderator: Global Approaches to Microlending | China Pavilion, April 15, 5:00 pm

Jacob Haar is the Co-Founder and Managing Partner of Community Investment Management, an impact investment asset manager that provides debt financing to U.S. small businesses through innovative and productive financial technology lending platforms. Jacob heads Community Investment Management’s investment and operations activities. Previously, he was Co-Founder and Managing Director of Minlam Asset Management, an investment advisor that launched and managed the first global investment fund focused on providing local currency debt investment to micro, small, and medium enterprise lenders in emerging markets, where he managed investments, fund and firm operations and public-private partnerships. Prior to co-founding Minlam in 2005, Mr. Haar worked in Azerbaijan for Save the Children USA’s microfinance institution and was the Founder and Principal of a socially responsible Indonesian manufacturing and real estate company. Jacob is a Fulbright Scholar, received a M.A. from the University of Chicago’s Center for Middle Eastern Studies and graduated Phi Beta Kappa with a B.A. from the University of Chicago.


Speakers Speakers

David Haber, Co-Founder & C.E.O., Bond Street

Small Business Lending Innovators | Track 2, April 14, 10:05 am

David Haber is co-founder and CEO of Bond Street, an online marketplace transforming small business lending through technology, data and design. Before co-founding Bond Street in 2013, David was an investor at Spark Capital where he focused on marketplace and financial services investments. Prior to joining Spark, David co-founded Locus, a startup asset management firm where he was portfolio manager for the firm’s $40 million in assets and ran product development for its analytics platform. David holds an A.B. from Harvard University. He lives with his wife in New York City.

Andrew Hallowell, Co-Founder & C.E.O., Arcadia Funds, LLC


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Anton Hanebrink, Head of Corporate Development, Square


Anton Hanebrink has spent the majority of his career focused on financing and strategy for a broad range of businesses, with almost a decade of experience dedicated to the SMB space. He is currently the Head of Corporate Development at Square, where he focuses on M&A and strategic partnerships. As part of his role, he connects external investment sources with Square’s small business financing program, Square Capital. Prior to joining Square, Anton was VP of Corporate Strategy & Development at Intuit. During his time there, he worked across Intuit’s businesses to develop strategic priorities that address critical SMB needs, and led corporate development efforts to the most active pace in the history of the company. Before Intuit, Anton was at Opus Capital where he focused on early-stage venture investments in software and digital media companies. While at Opus, he sourced new investments and worked closely with existing portfolio companies on growth strategy, acquisitions, and fundraising. Prior to Opus, Anton spent time in strategy consulting at the Boston Consulting Group and investment banking at ABN AMRO. He holds an MBA from the Wharton School at the University of Pennsylvania and a BS from Washington University in St. Louis.

Scott Harmon, C.E.O., Noesis


Scott Harmon, CEO of Noesis, has 20 years of senior leadership experience with enterprise software companies. As CEO of venture-backed AlterPoint, he helped orchestrate a strategic sale of the business. He also co-founded Motive Communications, which grew to nearly $100 million in revenues and a successful IPO under his leadership. In the early 1990s, he was part of the pioneering team of Tivoli Systems; upon its acquisition by IBM, he served as VP of Marketing and Strategy for the combined business. Scott graduated from Iowa State University and holds a Bachelor of Science in Computer Science.

Matt Harris, Managing Director, Bain Capital Ventures

Moderator: Next Generation of Invoice & Receivables Finance | Main Track, April 14, 2:50 pm

Matt joined Bain Capital Ventures in 2012, to lead the NYC office and focus on business services companies, with a particular interest in financial services. Matt serves on the board of Billtrust, Novus Partners, SigFig, and OpenFin. Prior to BCV, Matt co-founded and ran Village Ventures, where he focused on the same sectors and invested in such companies as BlueTarp, Consumer United, Dwolla, iSend, On Deck Capital, Simple, TxVia and Zipmark. Earlier in his career, Matt worked at Bain Capital in the private equity group. Matt went to Williams College, graduating in 1994 with a degree in Political Economy. Matt was the Captain of the Williams College Rugby Club for his junior and senior year, which as you can imagine consumed nearly all of his spare time. Outside of work, Matt is delighted to spend time with his wife, Jessica, and their three children. He is the Chairman of the Board of the Williamstown Theatre Festival, a regional theater associated with Williams College. Matt is obsessed with military history, and some day will write a book connecting the strategy and tactics of insurgency with what he has learned about entrepreneurship.

Jared Hecht, Co-Founder & C.E.O., Fundera

The Online Lending Technology Ecosystem | Pre-Conference, April 13, 3:30 pm


Jared Hecht is a co-founder and the chief executive officer at Fundera, a marketplace that matches small business owners to the best possible lender. He started Fundera after his cousin experienced the frustration and lack of transparency of applying for a small business loan. Previously, Jared co-founded GroupMe, a group messaging service that in August 2011 was acquired by Skype, which was subsequently acquired by Microsoft in October 2011. Prior to GroupMe, he led Business Development at Tumblr where he focused on international expansion and strategic partnerships. Jared received his BA in Political Science from Columbia University where he served as the publisher and managing director of Inside New York. Originally a native of San Francisco, Jared now resides in Brooklyn with his wife.

John Hecht, Managing Director, Jefferies

Moderator: Trends In Credit Underwriting | Track 2, April 14, 11:30 am

John Hecht joined Jefferies in June 2014, following 10 years as a senior analyst covering consumer finance, specialty finance and community/regional banks at Stephens and JMP Securities. Before joining equity research, John served in investment banking, covering the financial services industry at both Merrill Lynch and Montgomery securities from 1992-1997. John has been ranked for investment recommendations and forecasting accuracy at Thomson Reuters and has received Wall Street Journal awards for stock picking. John received a BA in International Economics from the University of California at Berkeley, and received an MBA at the Graduate School of Business at Stanford.

Jilliene Helman, Founder & C.E.O., RealtyMogulPlatforms Shifting from Retail to Institutional InvestorsReal Estate FinTech Track, April 15, 11:15 amPresentation: The Future of Real Estate Investing | Real Estate FinTech Track, April 15, 1:30 pm

Jilliene Helman is the Founder and CEO of RealtyMogul.com. Realty Mogul is an online marketplace for real estate investing, connecting borrowers and sponsors to capital from accredited and institutional investors. Jilliene is responsible for overseeing the strategic direction and operation of the business.Previously Jilliene was a Vice President at Union Bank, where the majority of her time was spent in Private Wealth Management working with the broker-dealer, registered investment advisor, real estate lenders and wealth planners. Jilliene is a Certified Wealth Strategist, holds Series 24, 7 and 63 securities licenses and earned a degree in Business Administration from Georgetown University. She is a frequent speaker on the subjects of crowdfunding, P2P, real estate finance and entrepreneurship.


Speakers Speakers

James Herbert, Co-Founder & President, LendingHomePlatforms Shifting from Retail to Institutional InvestorsReal Estate FinTech Track, April 15, 11:15 am

James Herbert is co-founder and president of LendingHome, the leading mortgage marketplace lender. Prior to LendingHome, James was founder and CEO of Two Bridges Real Estate, a single-family rental real estate fund. Before Two Bridges, James was co-founder of Colony American Homes, one of the leading single-family rental real estate companies, where he helped run acquisitions for the first 4,000 homes. Previously, James was a vice president at Colony Capital focused on special situations and a vice president in Investment Banking at Morgan Stanley. James received a bachelor’s in economics and MBA from Stanford University. Born and raised in San Francisco, he loves the 49ers and Giants, skiing, scuba diving, and traveling.

David Ho, Lead Analyst, Consumer Finance/Specialty Finance, Deutsche BankModerator: Risk Management of Online Lending in the U.S. & ChinaChina Pavilion, April 14, 1:35 pm

David Ho joined Deutsche Bank in June 2003 and is the lead US Consumer Finance analyst at Deutsche Bank. Prior the this, he spent several years as part of DB’s US Large Cap Banks team, and helped the team earn multiple #1 Institutional Investor rankings. David has over eight years experience as an equity analyst in the Financials sector. Mr. Ho obtained a Bachelor of Science in Economics from The Wharton School at the University of Pennsylvania, with a dual major in finance and information systems.

Ben Hoffman, Partner, Oliver Wyman

Moderator: Partnering with Banks | Main Track, April 14, 11:55 am

Ben Hoffman is a Partner in Oliver Wyman’s Retail and Business Banking strategy consulting practice. He has had the honor of serving many of the leading financial institutions in North America in pursuit of above market shareholder returns. Ben’s recent work spans Board-level strategic planning, organizational effectiveness, product design, marketing strategy, and risk analytics. Ben has also had the opportunity to support both strategics and financial sponsors as they chart their paths in the alternative finance / marketplace lending space both organically and inorganically. Ben enjoys the privilege of serving as the Chairman of the American Banker Marketplace Lending & Investing Summit, as well as working with the Consumer Bankers Association and others in advancing industry thinking in the marketplace arena.

Mark Hookey, Founder & C.E.O., DemystDataBuilding an Online Lending Platform: Credit DataPre-Conference Workshops, April 13, 4:10 pmModerator: Emerging Markets Venture Capital in P2P | China Pavilion, April 14, 2:05 pm

Mark is the Founder & CEO of DemystData, a risk solutions provider that pulls together hundred of data providers, client data, and public data, and delivers realtime insight to financial services clients seeking to grow. Demyst is unlocking access to financial services around the world, and has processed over 300m transactions to date for leading clients including Tier 1 banks, P2P platforms, Online Lenders, Personal Lines Insurers, Telecommunications providers, and Microfinance institutions. Prior to founding DemystData, Mark was a Managing Director with LexisNexis in New York, where he led a risk analytics client engagement team, with responsibilities including price optimization, competitive intelligence, distribution optimization, and data product development. Prior to that Mark was a partner at Optimal Decisions Group, where he grew the US practice with cutting edge insurance price optimization technology and change management consulting. ODG was acquired by ChoicePoint (later LexisNexis).Mark’s expertize includes applied statistics, including multivariate and non-parametric data mining and modelling techniques, and has spent most of his career in data technology product development.Mark has an MBA (Beta Gamma Sigma Honors) from Columbia University, and degrees in Engineering and Commerce (Honours) from The University of Melbourne.

Adam Hooper, C.E.O., RealCrowd


In the commercial real estate industry since 2003, Adam Hooper has founded three national platforms for brokerage, consulting and joint venture equity investments in his career. RealCrowd, his latest endeavor, is an industry changing real estate investing platform that has provided investors with access to over $1B of institutional quality transactions since its launch in August of 2013. Prior to RealCrowd, Adam has worked on over $1 billion of real estate transactions with a wide spectrum of real estate professionals, operators, lenders, investors, developers and institutional clients. His experience led him to conclude that current real estate practices are rife with inefficiencies and in need of a major technological overhaul. As RealCrowd’s CEO, he leads the day-to-day charge of growing the platform and ensuring its position as the premier solution in the industry.

Janice Horan, Senior Director, FICOFICO’s Credit Boot Camp for Alternative LendingPre-Conference Workshops, April 13, 4:30 pm

Janice Horan is a credit risk professional with direct experience managing marketing, originations, account management and collections policy for consumer and small business portfolios, complete with execution in turbulent times. She is currently Senior Director, Fair Isaac Advisors Lifecycle Risk Practice for Latin America Caribbean and North America. Fair Isaac Advisors designs and devises visionary approaches to business challenges, relying on years of experience working with clients around the world, leveraging new data science expertise, proven analytics techniques and FICO’s leading platforms, to drive success and improved performance for our Clients. Ms. Horan joined FICO in 1994 and previously served as Senior Director of Pre-Sales for both the Latin America and Caribbean region and the Europe Middle East Africa region. Ms. Horan holds an MBA from the Darden Graduate School of Business at the University of Virginia and a B.S. in Economics Magna Cum Laude from the University of Delaware.

Soul Htite, Co-Founder & C.E.O., Dianrong.com


Also known as sinolending.com, a Shanghai-based online marketplace where members can borrow and lend money among themselves at better interest rates, Dianrong.com focuses on business loans covering over 40 million SMEs in China, Soul currently serves as a senior financial advisor to the government of Suzhou as well as several P2P companies. Prior to this, Soul co-founded Lending Club, the world’s largest P2P platform based in San Francisco, California where he served as Head of Technology since inception until 2011. He was responsible for all design and development operations ensuring that all online capabilities were both state-of-the-art and fully secure. Soul started his professional career building enterprise-level software with Oracle Corporation where he focused on real-time online services and system design for high availability. Soul held a senior product development position in the Oracle core server technologies team, and lead research projects targeting diagnosability and online system management services. Soul also led a worldwide early product adoption initiative for Oracle’s real-time collaboration products. Recognized as an authority in internet finance and financial technology, Soul was the winner of multiple awards including the prestigious Technology Pioneer Award at the World Economic Forum in 2011.


Speakers Speakers

Amy Huang, Chairman & C.E.O., Wheat Financial

Enabling Education Through Innovative Student Lending | China Pavilion, April 14, 3:15 pm

Huang Darong (Amy) is the Chairman and CEO of Wheat Finance. As a member of post-1980s generation, Amy Huang has a good command of English and German with an M.A in economics. Amy Huang is experienced with setting up business with prodigious entrepreneurial flair. She founded her first environmental protection technology company at the age of 23 years old. Two years later, she started a new Internet finance company. Up to present, she has set up 8 companies which have been restructured as Wheat Financial Services Group(called Wheat Finance),As a wholly-owned subsidiary of Wheat Financial Services Group, Shanghai Nonobank Financial Information Co., Ltd was named the most potential enterprise in the Third Financial Summit in 2014. MXD, known as the Chinese version of Social Finance and the most famous product of Nonobank, is the largest provider of Chinese student loan in the mainland. “The landlord”, a financial product focusing on real estate mortgage, is in the hot pursuit of Shanghai market now. Besides, Amy Huang pursues her studies in Fudan University and China Europe International Business School (called CEIBS). Amy was awarded the “outstanding entrepreneur in Internet Finance Industry” in 2013 and the “TOP 30 Youth leader” by Alliance for Global Youth Leadership in 2014.

Matt Humphrey, Co-Founder & C.E.O., LendingHome


Matt Humphrey is co-founder and CEO of LendingHome, the leading mortgage marketplace lender. Prior to LendingHome, Matt was co-founded HomeRun, an e-commerce platform company he grew to 80 staff and sold for over $100M in under 18 months. A lifelong entrepreneur, Matt has also founded successful ventures in the spaces of consumer web, social games, content delivery, and retail analytics. Matt is also an active angel investor and advisor with over 50 investments in notable technology companies. Matt enrolled in Carnegie Mellon when he was 13 where he received his degree in Computer Science and an MBA. Born and raised in Pittsburgh, Matt is an avid Steelers fan, amateur racecar driver, and seasoned world traveler.

Sid Jajodia, Vice President - Small Business, Lending Club


As Vice President of Small Business at Lending Club, Sid is responsible for overseeing the small business loan segment including product development, credit policy, underwriting, sales and operations. Before joining Lending Club, Sid was a Senior Vice President at Capital One Bank and Head of Small Business Lending. Prior to working in small business banking at Capital One, Sid held various roles in their consumer and small business credit card segments. He has extensive experience in developing data-driven strategies for risk management, customer acquisition, and product development. He also serves on the Board of Directors of the Small Business Financial Exchange. Sid holds a bachelor degree from the School of Planning and Architecture and an MS from Smeal College of Business, Pennsylvania State University.

Jaidev Janardana, C.O.O., Zopa


Jaidev joined Zopa in 2014 as it Chief Operating Officer, responsible for Marketing, Product, Credit, Technology and Operations. Jaidev spent 12 years with Capital One, both in the US and the UK. He was the CMO for Capital One UK, responsible for Marketing, Product, Credit and Risk Operations for the UK business and was instrumental in bringing the UK business back to profitability and growth.

Christopher A. Johnson, Managing Director, Prospect Capital Management

Moderator: Long Term Small Business Lending | Main Track, April 15, 4:10 pm

Christopher A. Johnson is a Managing Director of Prospect Capital Management and has 30 years of finance industry experience. Mr. Johnson is involved in strategic initiatives, as well as in leading the online consumer and small business investment efforts of Prospect. Prior to joining Prospect, Mr. Johnson was Vice Chairman of Berenson & Company. Prior to joining Berenson in August, 2010, Mr. Johnson spent nine years at Deutsche Bank Securities in various roles, including Head of the Restructuring Advisory Group, Co-head of Global Media Investment Banking and Co-head of Telecom Americas Coverage. Mr. Johnson started at Deutsche Bank in December 2001, after working at Merrill Lynch for fifteen years, most recently as Co-head and Chairman of the Global Leveraged Finance Group. Mr. Johnson has a MBA from the Darden Graduate School of Business Administration, University of Virginia, and a B.S. (cum laude) from Washington and Lee University. At the Darden School, he received the William Michael Shermet award for academic excellence. Prior to receiving his MBA, Mr. Johnson served as a Lieutenant (USN) on the USS Finback (SSN-670).

David Johnson, Chief Executive Officer, First AssociatesBuilding an Online Lending Platform: Loan ServicingPre-Conference Workshops, April 13, 2:40 pm

David Johnson is the Chief Executive Officer at First Associates, the fastest growing loan servicer in the country with a $7 billion dollar portfolio under management for various asset classes including P2P and P2B loans. As CEO, Johnson increased revenues at First Associates by 20x in just three years.Johnson is a charismatic leader with a well-earned reputation for innovative ideas and leading-edge approaches to technology and processes. His 25 years of experience across industries including finance, technology and energy gives him a unique insight into today’s lending landscape, as well as a keen eye to future trends and opportunities. Prior to First Associates, Johnson was a Founder and Principal at Clearpath advisors, a San Diego-based private equity firm. Prior to that, he was the Senior Vice President of Corporate Development for Memec LLC, a private equity owned semiconductor where he was part of a management team that increased revenues from $1.6B to $2.5B and over three years. Johnson worked at McKinsey & Company and Bain & Company, where his clients were Global 500companies and Private Equity Firms in Asia, Europe, Africa and North America. Johnson received his MBA from Stanford University School of Business and a Bachelor’s of Science in Finance from theUniversity of California at Berkeley. He is a Partner in Social Venture Partners and a member of YPO.

James A. Jones, C.E.O. & Founder, IRA Exchange, Self-Directed Investment Institute


James A. Jones is the CEO and Founder of the IRA Exchange and Self-Directed IRA Investment Institute. Invited to the White House Crowd funding Champions of Change, he is a nationally recognized Self-Directed IRA speaker, author and educator and Certified IRA Services Professional. Mr. Jones is a regularly featured speaker at Crowdfunding Industry. Association events and presents on industry record attending webinars with Morningstar and Key Partners on truly diversifying retirement plans though alternative assets in IRA’s and Solo 401K’s. James A. Jones works directly with IRA holders, as well as Crowd funding portals, Broker Dealers, Hedge Fund Managers, Tax Attorneys, CPA’s, Registered Investment Advisers, Family Offices and Real Estate firms and associations. He is the author of the series “Retire Richer” with “Self-Directing Your Retirement”, “Self- Directed IRA Workbook”, the Industry’s first practical step-by-step guide in the process of investing in self-directed IRA’s, and “Self-Directed IRA – Prohibited Transactions”. Having spent over 20 years in financial services working for firms such as Merrill Lynch and Wells Fargo, Mr. Jones has Series 65, 7, 63, insurance and mortgage licenses as well as a graduate degree in Finance from Harvard University. James serves as the Co-Chair of the Investor Committee of the Crowd funding Intermediary Regulatory Advocates (CFIRA), the Board of Advisors for CROWD and is a Founding Member of the Crowd funding Professional Association. Visit www.IRAeXchange.net for more information.

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Speakers Speakers

Jason Jones, Co-Founder & Partner, Lend Academy

Moderator: Fireside Chat | Main Track, April 14, 4:05 pmModerator: China: The Largest Internet Finance Market in the WorldMain Track, April 14, 4:40 pm

Jason Jones is a Co-Founder and Partner at Lend Academy Holdings, a media and investment services holding company in the P2P and online lending sector, where he leads portfolio management and product development. Lend Academy Holdings owns Lend Academy Media, Lend Academy Investments, and the LendIt Conference. Prior to Lend Academy, Jason founded HighStep Capital, an investment firm focused on early-stage Internet and financial services companies, where he invested in over 200 Internet-related companies from around the world. He currently serves on the Board of Directors of iFunding, an online real estate investment platform; and on the Board of Advisors of iMENA, a Middle Eastern Internet holding company. Previously, Jason worked as an Internet analyst at J. Goldman & Co. and at Goldman Sachs, a venture capital research analyst at Cambridge Associates, and as a trade settlements associate at Fidelity Investments. Jason holds an MBA from the Johnson School at Cornell University where he was a Park Leadership Fellow and a BS from Babson College. He is originally from the Boston area and he currently resides in the NYC area.

Patricia Kao, Director, Financial Institutions Policy, U.S. Treasury


Patricia Kao is Director of the Office of Financial Institutions Policy (OFIP), the lead office on domestic financial services reform priorities at the U.S. Treasury Department. The office covers a broad range of policy matters, generally focusing on issues related to prudential regulation and regulatory structure, market conditions and competitiveness, and financial stability. Recently OFIP’s work has focused on emerging trends in the financial industry, including the impacts of financial reform, patterns of disintermediation, and the increasing importance of technology and data. She joined the Treasury Department in 2011 in the Markets Room, which performs global markets monitoring and analysis for the Treasury and the White House. Prior to Treasury, Ms. Kao was a sell-side fixed income trader, and also has prior experience with exchange-traded funds (ETFs), electronic trading & risk management technology, energy markets, and municipal finance. Ms. Kao graduated from UC Berkeley and has an MBA from the Sloan School of Management at MIT.

Brad Kime, Chief Revenue Officer, LendKey


Brad is the Chief Revenue Officer at LendKey, responsible for development and implementation of the company’s growth initiatives. Prior to LendKey, he was the former Chairman and President of OnDeck Capital. At OnDeck Capital, under his leadership from 2009, the company grew its revenues by 1000% and was named to the Inc 500 list of fastest growing companies during his tenure. He has over 20 years of experience in financial services prior to OnDeck Capital, mostly in the small business lending and commercial banking arena. Brad has his undergraduate degree from the University of Notre Dame in business and an MBA from the Kellogg School of Management at Northwestern University.

Candace Klein, Chief Strategy Officer, DealstruckModerator: Enabling Education through Innovative Student LendingChina Pavilion, April 14, 3:15 pm

In addition to serving as Chief Strategy Officer at Dealstruck, Candace is also an attorney with experience as a small business owner. Candace was founder and CEO of Bad Girl Ventures and SoMoLend, and received her BA from Northern Kentucky University and her JD from the Salmon P. Chase College of Law. She continues to serve as General Counsel for Women Investing in Women, a global NGO focused on increasing access to capital for female entrepreneurs and access to capital markets for female investors.

David Klein, C.E.O. & Co-Founder, CommonBond

Student Lending Begins to Scale | Track 2, April 14, 1:35 pm

David Klein is the CEO and Co-Founder of CommonBond, a venture backed financial services company that has raised over $100M to lower the cost of student loans in the U.S. Featured in publications such as Inc Magazine, The Wall Street Journal, and The Economist, David is responsible for ensuring capital growth, creating a best- in-class borrower experience, and building a world-class team. Prior to CommonBond, David worked in consumer finance at American Express, as Director of Strategic Planning and Business Development, where he led a $250M annual business. David started his professional career as a consultant at McKinsey & Company, where he advised clients in the financial services industry. David graduated from Brandeis University with a BA in Politics, Economics, and International Business and attended the Wharton School at the University of Pennsylvania. David is also a former Board Member of the Bronx Charter School for the Arts in New York.

Jeff Knott, Assistant Vice President, Equifax

Trends in Credit Underwriting | Track 2, April 14, 11:30 am

Jeff Knott is an assistant vice president at Equifax as well as the 2015 chairman for the Electronic Signature and Records Association (ESRA). Knott is a recognized leader in driving business strategies, product innovation and industry adoption of electronic signatures. He is known for his contributions in reforming IRS policy to allow the acceptance of electronic signatures on Form 4506-T. He is an “out-of-the-box” thinker who champions emerging technologies, promotes consumer engagement, advocates change and encourages the partnership between the private sector and government. At Equifax, Knott is a member of the product team responsible for The Work Number® database along with other employment, income, identity and asset verification services. He has direct oversight of the company’s IRS Income (4506-T tax transcript fulfillment) and SSN verification products. Knott holds a Master of Business Administration (MBA) and bachelor’s degrees in Human Resource Management, Labor Economics and Communication Studies from Saint Louis University (SLU).

Brian S. Korn, Capital Markets Partner, Manatt, Phelps, & Phillips, LLP


Brian Korn is a Capital Markets Partner at the law firm Manatt, Phelps, & Phillips, LLP in New York City. Brian has had multiple appearances on Fox Business Television, Bloomberg, CCTV America and National Public Radio as an expert on the JOBS Act, including its impact on crowdfunding, peer-to-peer lending, IPOs and market trading dynamics. He was also published or quoted in Forbes, CNBC, MSNBC, New York Law Journal, Law360, Philadelphia Inquirer, Pittsburgh Post-Gazette, The Financier Worldwide and The Review of Securities & Commodities Regulation. He is the author of several articles on capital raising and investor liquidity, and has several clients in the peer-to-peer lending space. Brian is the author of “The Trouble with Crowdfunding” published in Forbes, as well as the Forbes article announcing the SEC’s crowdfunding rules proposal. Prior to joining Manatt, Brian was co-Head of the Crowdfunding and Peer-to-Peer Lending Practice at Pepper Hamilton LLP, Head of Equity Capital Markets and Syndicate Compliance at Barclays and Senior Vice President and Assistant General Counsel for Citigroup Global Markets Inc. Brian is an honors graduate of the University of California at Berkeley and the Northwestern University School of Law.

BJ Lackland, C.E.O., Lighter Capital


BJ Lackland is the CEO of Lighter Capital. BJ has spent his career working with emerging companies as an operating executive and investor. He has been a venture capitalist, the CFO of a public technology company, an angel investor, and a senior finance and marketing leader at tech startups. Before Lighter Capital, BJ was a consultant to and angel investor in early stage technology companies, and was the CFO of Power Efficiency Corporation, a publicly traded energy technology company. Earlier in his career, BJ spent five years as a VC with Summit Energy Ventures, where he completed numerous equity and debt investments in public and private companies. Before becoming a VC, BJ was the Director of Strategic Relations at EnCompass Globalization, a provider of software globalization and e-commerce services, and was the Director of Strategic Planning and Corporate Development at webStrategic, a business development software and consulting company. BJ also worked at The National Bureau of Asian Research, a bipartisan think tank focused on U.S. economic, political and security policy toward Asia. BJ received an MBA and MA in International Studies from the University of Washington, and a BA in Politics, Philosophy and Economics from Claremont McKenna College.


Speakers Speakers

Chris Lalli, Managing Partner, CapAccel, LPBuilding on Online Lending Platform: Raising CapitalPre-Conference Workshops, April 13, 4:30 pm

Previously co-head of Capital Markets at SoFi. Former Managing Director and West Coast Head of Fixed Income Sales at Goldman Sachs, where he had 25 years of fixed income sales leadership and relationship management with large money managers, banks, hedge funds, pension plans, endowments and insurance companies. BA from Pomona College. CFA Charterholder.

Cheryl Law, Chief Marketing Officer, Prosper Marketplace


As Chief Marketing Officer of Prosper Marketplace, Cheryl oversees all branding, customer acquisition and corporate communications. Cheryl brings more than 20 years of management and marketing experience, and has worked extensively with both traditional and digital brands. Prior to Prosper, Cheryl was CMO at UniversityNow, a social impact venture aiming to provide affordable and accessible quality higher education to people everywhere. Prior to UniversityNow, Cheryl spent 13 years at travel site Hotwire, including eight years as CMO. She was part of the small team that launched the Hotwire brand, and ultimately built it into a Top 5 online travel agency. Before Hotwire, Cheryl was at Procter & Gamble, where she focused on consumer insights and segmentation for some of the company’s well-known brands such as Crest, Folgers, and Pantene. Cheryl earned a B.A. in Economics from Vanderbilt University.

Stuart Law, C.E.O., Assetz Capital


Stuart is the CEO and founder of the Assetz group of companies incorporating one of the largest private investor customer bases in the UK. He founded the Assetz Capital businesses, including Assetz SME Capital, as a solution to the shortage of capital available to businesses and property developers from the failed banking system and in order to provide enhanced and diversified returns for Assetz group investors who wish to invest in this new asset class. Stuart is a serial entrepreneur and a highly experienced businessman having run his own businesses for 30 years.

Doug Lebda, Chairman, C.E.O. & Founder, LendingTree

Consumer Lending: The Quest For Scale | Main Track, April 14, 9:50 am

Frustrated by getting his first mortgage, Doug Lebda saw a need to empower consumers in what is, for most, the largest financial transaction in their lives - financing a home. He envisioned a process where lenders would compete for the borrower’s business in a fair and open marketplace and lenders would be able to target exactly the right consumers to grow. With that vision, LendingTree was founded and has revolutionized how consumers shop for loans and how lenders reach new customers. After the company was founded in 1996, it was launched nationally in July 1998. Doug led LendingTree through a successful IPO in 2000, through the dot-com meltdown of 2001 and a successful sale to IAC/ InterActiveCorp in 2003. From 2005 to 2008, Doug served as IAC’s President and Chief Operating Officer, leading the company through a transition from a holding company to a unified operating company. In 2008, Doug rejoined Tree.com as it spun out from IAC as a separate public company. In 2015, Tree.com changed its corporate name to LendingTree, Inc. to better reflect the company’s go- forward strategy and flagship brand. Today, LendingTree connects consumers and businesses in areas that extend way beyond just mortgages.

Cormac Leech, Equity Research, Liberum

Moderator: The European Online Lending Opportunity | Main Track, April 14, 2:05 pm

Cormac Leech is the lead banks and other financials analyst at Liberum. Over the last two years he has been actively involved in P2P, helping some of the leading platforms raise both equity and debt capital. Cormac has been a banks analyst for over 10 years spending time previously at JPMorgan and RBS. Prior to his time in equity research, Cormac worked as a strategy consultant at McKinsey advising financial institutions and also has 5 years experience structuring fixed income derivatives at Citigroup. Cormac holds a first class honours degree in Mathematical Science from University College Dublin; an MSc in Computation from Oxford University; an MBA from INSEAD and is a CFA charterholder.

Sun Lei, Founder & C.E.O., 9F Bank

A Mobile Approach to Online Lending | China Pavilion, April 15, 1:30 pm

Sun holds Degree of BA in finance and EMBA from Guanghua School of Management, Peking University. He is also Secretary-General of Finance Association in Guanghua School of Management, Peking University. As one of the first batch Internet Finance professionals in China, Sun Lei has been awarded with honors from Xinhua News Agency, the Chinese Academy of Social Sciences and other prestigious institutions due to his leadership and innovation across the sector. Sun Lei previously worked for GaoYang Technology, a Hong Kong listed company (0818.HK) focusing on Internet banking technology and China Minsheng Bank (head office) (1988.HK), the leading Chinese bank for SME finance. Formally launched in 2006, Sun Lei has led 9F to become one of China top Internet finance companies with nearly 800 employees and more than 10,000 business partners providing online micro-finance matchmaking services to its clients in over 200 cities. 9F has also set up a cloud banking division and signed agreements with over 32 bank headquarters, 282 branches and more than 10,000 sub-branches, transforming the way retail and small business bank work.

Richard Lewis, Chief Risk Officer, Vouch

Building Credit Profiles Through Social Data Scoring | China Pavilion, April 15, 4:10 pm

Richard K. Lewis is Chief Risk Officer of Vouch Financial, the first social network for credit. Richard has over 25 years experience in consumer lending risk, including executive roles at major financial institutions and consulting firms. Prior to joining Vouch, Richard was Group Risk Officer, Consumer Lending at Bank of the West, responsible for all forms of risk management for the Indirect Auto, Mortgage, Home Equity, and Credit Card lines of business. Richard’s prior experience also includes Promontory Financial, Washington Mutual, Providian, and Ford Credit. Richard began his career at Fair, Isaac (FICO) in various analytic / credit modeling and management roles. Richard received his B.A. and M.A. from U.C. Berkeley in Mathematics.

Jae H. Lim, Managing Partner, CapAccel, LPBuilding on Online Lending Platform: Raising CapitalPre-Conference Workshops, April 13, 4:30 pm

Previously co-head of Capital Markets at SoFi. Partner at New Forest Partners, LLC, advisory and investment firm in financial services; formerly Principal at Belvedere Capital Partners, a private equity fund focused on the US banking space. Previously with McKinsey & Company, Goldman Sachs, Transamerica Corporation and Smith Barney, Inc. BA from Stanford; MBA from University of Chicago.


Speakers Speakers

Kenneth Lin, C.E.O. & Founder, Credit Karma


In the seven years since founding consumer finance platform Credit Karma in 2007, CEO Ken Lin has guided the company from its former home in a small office above a bar in San Francisco to its current standing as a major disruptor of the consumer finance industry in America, with 35 million members and over 250 employees. Credit Karma dedicates itself to re-engineering consumer finance and helping consumers have a better future by simplifying decision-making and management of personal credit and finances. Ken first saw the importance of the credit score while working in the credit card industry. He drew inspiration for Credit Karma’s pro-consumer business model from two former employers, Upromise, which combined a successful business model with true social good, and Eloan, which was the first company to give away free credit scores. Throughout Credit Karma’s growth, Ken has maintained an open door policy, building a company culture centered on mutual respect and passion that gives all employees a chance to be heard. Ken also founded Multilytics Marketing in 2006 and has a B.A. in mathematics and economics from Boston University.

Zhengyuan Lu, S.V.P. Capital Markets, OnDeck


Zhengyuan Lu has served as OnDeck’s Senior Vice President of Capital Markets since April 2013. Prior to joining OnDeck, Mr. Lu was the Managing Director of Capital Markets at Rangemark Investment Management from February 2009 to September 2012 when it was acquired by Gleacher & Company where he served as Managing Director of Asset Finance Banking until March 2013. From 2007 to 2009, he was the Managing Director and head of Structured Products at Keefe, Bruyette & Woods. Mr. Lu holds # a B.S. in Economics and Computer Science from Middlebury College, and was elected Phi Beta Kappa.

Viola Llewellyn, Chief Operating Officer, Ovamba


Viola Llewellyn is the Chief Operating Officer of Ovamba Solutions, Inc. Mrs. Llewellyn oversees the execution of strategy, daily operations, marketing and new business development for Ovamba. She and her team also work closely with investors and African Civil Society Groups. Her previous consulting roles have been in the health care, technology, media, education, security and communications fields. Mrs. Llewellyn has over 15 years of project management and consulting experience from the technology and Government sectors in the United States.

Eric Lu, Professor, Pennsylvania State UniversityModerator: Building Credit Profiles Through Social Data ScoringChina Pavilion, April 15, 4:10 pm

Dr. Eric Lu is a Professor at Pennsylvania State University (USA) and the Director of Institute of Internet Finance at Southeastern University of Finance & Economics (China). He has conducted research and practice on P2P lending and online banking for more than five years.

Kevin Lundquist, Director: Global Securitized Product Group, Citi


Kevin Lundquist is a Director in Citi’s Global Securitized Product Group. Mr. Lundquist joined Citi in January 2000 and has had a diverse set of responsibilities over his 15 years with the firm. Mr. Lundquist began his career at in the investment banking business providing advisory services to specialty finance companies, and since then has generally covered consumer finance companies in a variety of capacities.Mr. Lundquist has provided investment banking services to a diverse set of consumer finance companies executing transactions consisting of publically and privately offered debt, the sale/purchase of whole loans and businesses, debt refinancings and restructurings, and various other capital raising activities.Mr. Lundquist is a graduate of the University of Michigan with BSE in Mechanical Engineering.

Peter Manbeck, Partner, Chapman and Cutler, LLP


Peter Manbeck is a partner in the New York office of Chapman and Cutler LLP. Peter represents issuers, sponsors, collateral managers, broker-dealers, swap providers, and other participants in asset-backed commercial paper programs and other structured transactions. He has extensive experience with securities portfolio financings and state securities law matters. Peter also represents sponsors and investors in internet-based lending programs and is a principal author of Chapman’s white paper entitled “The Regulation of Marketplace Lending: A Summary of the Principal Issues”.

David Mandel, Director: Consumer Finance Group, Citi


David Mandel is a Director in Citi’s Consumer Finance Group. Mr. Mandel joined Citi in January 2007 and has had a diverse set of responsibilities during his 20+ years in the industry. Mr. Mandel began his career working as an actuarial assistant and since then has worked in the US and UK generally covering consumer finance companies in a variety of capacities. Mr. Mandel is a graduate of SUNY Binghamton with a BS degree in Economics and a minor in Math.

Michael Mandel, Co-Founder & C.E.O., CompStak


Michael is Co-Founder + CEO of CompStak. CompStak creates transparency in commercial real estate by gathering information that is hard to find, difficult to compile or otherwise unavailable. The world’s largest brokerage firms and most preeminent real estate investors use CompStak’s commercial real estate data to compare properties and make investment decisions. Since launching CompStak in early 2012, Michael has helped navigate the company through tremendous growth, with over $10 million raised, 15 major markets launched, and a 45 person team. Before starting CompStak, Michael led the NY metro data center practice for Grubb & Ellis, where he was named National Rookie of the Year and inducted into Real Estate New York’s 30 Under 30. He graduated Babson College in 2005, where he led the Babson Entrepreneurial Exchange and was a member of the world’s first live-in business incubator, the e-tower.


Speakers Speakers

Emmanuel Marot, C.E.O. & Co-Founder, LendingRobot

The Online Lending Technology Ecosystem | Pre-Conference Workshops, April 13, 1:30 pm


Emmanuel Marot is a polymath and serial entrepreneur. A French ‘grandes école’ graduate with a major in Computational Finance, Emmanuel started his career in product marketing at Apple. He also worked for the French intelligence agency to modernize the handling and presentation of highly classified information and acted as freelance graphic designer. In 2000, Emmanuel patented a novel way to access mobile sites and created his 3rd company, which Microsoft acquired six years later. Emmanuel orchestrated the move of the entire operations to Redmond, WA, and became Director, Mobile Search at Microsoft. He left in 2008 to research algorithmic trading, predicting market reversals from search engine queries. He began to focus his work on the design of algorithms to automate decisions, and co- created Eventiles, an iPhone application that crafts meaningful stories from bulk pictures. Combining his finance background and his interest in algorithms, the company pivoted in 2013 and created LendingRobot to simply and automate peer lending investments. Emmanuel passed the Series 65 Investment Adviser law exam in January 2014.

Mark Mascia, President & C.E.O., Mascia DevelopmentInstitutional Investors View of Real Estate CrowdfundingReal Estate FinTech Track, April 15, 9:15 am

Mark Mascia is President & CEO of Mascia Development, LLC a NYC based real estate investment company. Prior to forming Mascia Development Mark was in charge of developing over 2,500 residential units and multiple retail and mixed use properties with a total portfolio value of over $1.1B. Mark was formerly the Vice President at SHVO Development, LLC, a multi-national luxury real estate development company. During his tenure at SHVO, Mark added global experience to compliment his domestic real estate proficiency. Mark also worked at Archstone-Smith (a former publically traded REIT, which in 2012 was acquired by Equity Residential NYSE:EQR and Avalon Bay NYSE:AVB). His responsibilities included overseeing acquisition, development, financing and asset management for the New York Tristate area. Prior to Archstone, Mark worked for Monument Realty, one of the largest office and residential real estate developers in the Washington, DC metro area. At Monument, Mark was directly responsible for the acquisition, development, design, construction, and completion of over 1,500 residential units with over half a billion dollars in financing. Mark is presently an adjunct professor at New York University‛s Schack Institute of Real Estate teaching Real Estate Development Principles and Practices as well as Advanced Real Estate Financial Modeling. Mark has two Masters in Science degrees: one in Real Estate Finance from New York University and the other in Information Systems Technology with a concentration in Project Management from George Washington University. In addition, Mark also has a Bachelor‛s Degree in Business Administration with a dual major in Small Business and Information Systems from George Washington University. Mark is a Leadership in Energy and Environmental Design Accredited Professional (LEED-AP) as designated by the USGBC and a licensed real estate broker in the state of New York and Massachusetts. He is also the founder of Invenium, Inc. which is a results focused charity working to promote peace by providing educational pathways and medical support to some of the most violent areas in the world. “Peace through prosperity”. Mark has recently been featured in The New York Post, NY Real Estate Journal, the Real Deal, and the Cincinnati Business Journal. He has been a guest speaker on panels at numerous industry conferences including IMN’s Crowdfunding for Real Estate and iFunding’s Investor Insights Conference. Mark has also been a guest on investment podcasts such as “Accredited Income Property Investment Specialists” with Jason Hartman and the “Best Real Estate Investing Advice Ever” with Joe Fairless.

Brayden McCarthy, Head of Policy & Strategy, Fundera

The Online Lending Technology Ecosystem | Pre-Conference Workshops, April 13, 3:30 pmGovernment Regulation of Online Lending in the U.S. & ChinaChina Pavilion, April 14, 2:40 pm

Brayden McCarthy is Head of Policy & Advocacy at Fundera, an online marketplace that connects small businesses with the lowest cost of financing they qualify for. Brayden previously served in the Obama Administration, most recently as Senior Policy Advisor in the West Wing Office of the White House National Economic Council, where he helped coordinate economic policy development across the Administration. Prior to joining the White House, Brayden served at the Small Business Administration, where he was responsible for policy development and reported to Karen Mills, the Administrator of SBA. Brayden began his career in investment banking at Lehman Brothers. He has contributed to Forbes, and co-authored a Harvard Business School report on the state of small business lending and the role of online lenders with former SBA Administrator Karen Mills, which was released in 2014 and has been widely cited in national media publications and the lending industry. He earned masters and bachelors degrees from the London School of Economics.

Mark McGuinn, Director, Opportunity Advancement, DatamyxBuilding an Online Lending Platform: MarketingPre-Conference Workshops, April 13, 3:30 pm

For the past 12 years, Mark McGuinn has been bringing forward data, technology, and analytic solutions to the financial service space. His efforts are directed specifically toward lenders with a focus on new customer acquisition, cross sell and retention as well as online/offline lead optimization. Currently, Mark is tasked to introduce powerful data driven capabilities to the Alternative Consumer Finance and Auto Lending verticals for Datamyx, where he has been the entire time.

James Meekings, Chief Commercial Officer & Co-Founder, Funding Circle


James is Chief Commercial Officer at Funding Circle in the UK, the world’s leading marketplace for business loans. James is responsible for commercial development and growth in the UK. Prior to Funding Circle James was at OC&C Strategy Consultants where he advised on strategy and growth. Since James co-founded Funding Circle in 2010 the marketplace has grown to become the 5th largest net lender to small businesses in the UK, and launched in the US in Q4 2013. The UK Government, councils, hedge funds, family offices, and individuals are now lending more than $70m to businesses each month through the Funding Circle platform.

Siddharth N. (Bobby) Mehta, Former President & C.E.O., TransUnion


Siddharth N. (Bobby) Mehta (Age 56) - former President and Chief Executive Officer of TransUnion LLC, a global provider of credit and information management services, from 2007 through 2012. From 1998 to 2007, Bobby held a variety of senior positions at Household International, HSBC Finance Corporation and HSBC North America Holdings, including CEO of HSBC North America Holdings, CEO of HSBC Finance Corporation and Group Executive (Credit Cards) at Household International. Prior to that he was a Senior Vice President at the Boston Consulting Group and co-head of the firm’s North American Financial Services Practice. He is currently on the boards of AllState Insurance, TransUnion LLC, Datacard, Piramal Enterprises and Avant Credit. Additionally he serves on several non-profit boards including the Field Museum, the Chicago Public Education Fund, the University of Chicago Laboratory Schools and the Myelin Repair Foundation.


Speakers Speakers

Bertram Meyer, C.E.O., Taulia


Bertram is CEO of Taulia, a SaaS company he co-founded in 2009 to automate and optimize the accounts payable process. Over the past four years, Bertram has helped transform Taulia into an industry leader, serving customers in over 99 countries with clients that include some of the largest Global 2000 and Fortune 500 clients. Prior to joining Taulia, Bertram held positions as Director of Railteam, Europe’s high-speed rail alliance and Managing Director at RailLink, Railteam’s IT subsidiary. Bertram also acted as Chief Sales and Marketing Officer at Ebydos, the SAP solution provider widely known for its Invoice Cockpit solution that was sold to ReadSoft in 2006. Earlier, Bertram worked for 5 years as Top Management Consultant for the Boston Consulting Group.

Daniel Miller, Co-Founder & President, FundrisePlatforms Shifting from Retail to Institutional InvestorsReal Estate FinTech Track, April 15, 11:40 am

Dan Miller is Co-Founder and President of Fundrise, the first and leading real estate crowdfunding platform. The first company to successfully crowdfund real estate, Fundrise brings world-class real estate investments to institutional, high net worth and retail investors throughout the United States. Founded in 2010 by Dan and his brother Ben Miller, Fundrise has brought real estate crowdfunding to the mainstream, allowing anyone—accredited and unaccredited—to invest in property for as little as $100 per share, and as much as $10 million, and earn favorable returns (historically 12 to 14 percent). At Fundrise, Dan is responsible for exploring and opening up new markets and vetting real estate projects. Dan also speaks across the country as one of the leading authorities on real estate crowdfunding. Daniel remains involved with Western Development Corporation, his family’s real estate company, which has developed more than 20 million square feet in its 46-year history. Daniel graduated from The Wharton School of the University of Pennsylvania as a submatriculant with a dual B.S. and M.B.A. For more information on Fundrise, please visit https://fundrise.com.

Geoffrey Richard Miller, C.E.O., GLI Finance Limited


Judge: PitchIt @ LendIt | Track 2, April 14, 3:30 pm

Geoff Miller spent twenty years in the UK financial services industry, as an analyst and as a fund manager, focused within the Non-Bank Financials sector. As an analyst he led the number one-rated UK small and mid-cap Financials team, and as a fund manager ran the largest listed Financials fund in London. He moved offshore in 2007, working in Moscow and Singapore before moving to Guernsey. Reflecting the strategic involvement of GLIF within the development of each of its origination platforms and their position in every case as the principal capital provider, Geoff sits on the Boards of each of the platform companies and in the case of GLIF BMS Holdings Limited, most of its subsidiary entities. In addition to GLIF-related appointments, he also serves as Chairman of Globalworth Real Estate Investments Ltd, a Guernsey-registered real estate business investing in Romania, and its subsidiary management company, and of a Luxembourg-based asset manager International Finance Development Company S.A., Holding.

Martin T. Mitchell, CRCM, Managing Director, Regulatory Compliance, Professional Bank Services, Inc.Building an Online Lending Platform: CompliancePre-Conference Workshops, April 13, 3:50 pm

Marty has over 16 years of experience in the consumer compliance field. After retiring from a successful career as a US Army officer, he served as a commissioned federal compliance examiner with the Federal Deposit Insurance Corporation (FDIC). As an examiner Marty was responsible for determining financial institution compliance with consumer protection laws and regulations as well as conducting CRA and fair lending examinations for large and small banks. He also served on a special project at the FDIC’s Washington DC Headquarters. During his tenure with Capital One, he led the design and implementation of their corporate level mortgage compliance program through a period of business closures, multiple acquisitions, and intense regulatory scrutiny. As a Senior Consultant with PBS, Marty served our largest, most complex clients nationwide: Boston, Chicago, Los Angeles, Miami, New York, Seattle, and more. For the past five (5) years he has led our compliance consulting area, speaks on various regulatory topics at seminars and conferences, and continues to serve our financial institution clients coast to coast.

Charles Moldow, General Partner, Foundation Capital


Charles Moldow, General Partner at Foundation Capital: Charles isn’t just the third largest shareholder in LendingClub with 11% ownership, but he is recognized as a thought leader in the space. He coined the term Marketplace Lending when he published his seminal whitepaper, “A Trillion Dollar Market By the People, for the People,” in May 2014. It has been downloaded and cited over 50,000 times. On a personal note, he coaches his sons’ Little League Teams and is in the process of becoming a pilot in parallel with his 13-year-old son. He readily admits that today the likelihood of walking away from one of his landings is considerably lower than that of his son.

Krista Morgan, C.E.O., P2Binvestor


Krista Morgan is cofounder and CEO of P2Binvestor, a rapidly growing, Denver-based crowdlending platform for working capital financing founded in 2012. Since P2Binvestor officially went to market in January 2014, Krista led operations and strategic direction for the company and grew client contracts to more than $14 million and receivables purchased to more than $50 million. Before starting a financial technology company, she worked in digital marketing and managed accounts for major brands such as Coca-Cola and Barclays at some of London’s top digital agencies, and earlier in her career she managed operations for a custom motorcycle frame manufacturer. Morgan hails from Montreal and earned a degree in economics from McGill University.

John C. (Hans) Morris, Managing Partner, Nyca Partners


John C. (Hans) Morris is the managing partner of Nyca Partners, a venture capital and advisory firm in New York and San Francisco focusing on financial services technology. From 2010 to 2014 he was managing director and special advisor at General Atlantic, a global growth equity firm, where he continues to be a special advisor. He is a board member of Nyca portfolio companies Lending Club, Payoneer, Cardworks, and board member of KCG. From 2007 until 2010 he served as president of Visa Inc., the global payments company. Before joining Visa, he spent 27 years at Citigroup and its predecessor companies in several operating and management roles; as CFO and head of finance, technology and operations for Citi Markets and Banking, the capital markets, investment banking, commercial banking and transaction services business for Citigroup. Mr. Morris graduated from Dartmouth College, and serves as chairman of the Board of Overseers of the Hopkins Center for Arts at Dartmouth. He is also chairman of the Board of Trustees of the Massachusetts Museum of Contemporary Art (MASS MoCA), and a trustee of The Jacobs Pillow Dance Festival.


Speakers Speakers

Nigel Morris, Managing Partner, QED Investors

Moderator: Hot Button Issues in Online Lending | Main Track, April 14, 11:05 am

Nigel Morris is the managing partner of QED Investors, a direct investment fund focused on high- growth companies that leverage the power of data strategies. Nigel works in an advisory capacity with General Atlantic Partners and Oliver Wyman Consulting. He serves on the board of numerous for-profit companies, including Red Ventures, Klarna, CAN Capital, Media Math, Prosper and borro. He is also on the board of the Brookings Institution, National Geographic, ideas42, and the London Business School. Previously, Nigel co-founded Capital One Financial Services (COF) in 1994. Under Nigel’s leadership, COF pioneered an information-based strategy that fundamentally transformed the consumer lending industry. Combining advanced statistical marketing techniques with nascent information technologies, the company reduced costs to conventional borrowers, extended capital to overlooked consumers, expanded internationally, and produced extraordinary returns for investors. Upon his retirement in 2004, COF’s 15,000 employees across the U.S., Canada and the U.K. managed over $80 billion of loans for 50 million customers. Generating over $1.5 billion in earnings, COF successfully transitioned from an emerging start-up into an established public company valued at over $20 billion. Nigel has a BSC in Psychology from the East London University and a MBA with distinction from London Business School.

Haider Nazar, C.E.O., AchievestReal Estate Crowdfunding Property Types: Fix & FlipReal Estate FinTech Track, April 15, 4:45 pm

Haider Nazar brings two decades of experience in emerging growth markets with a track record of transforming growing startups into profitable and scalable enterprises. He has a passion for alternative investing, economic development and impacting local economies. His success stems from his ability to identify strategic opportunities, gain commitment and resources, build high-performing teams, and then leading teams from vision to execution. He has held several senior management positions spanning business development, marketing, sales, corporate development, and government regulatory compliance and operations. On top of also being Managing Partner of Achievest, he serves as a board member for the American Association of Private Lenders, the University of California Sustainable Agriculture Institute, and is an active member of the Silicon Valley Leadership Group. A proud father of two young children, Haider enjoys road biking, running, hiking and coaching his children’s sports teams.

Daniel Nestel, Senior Director of Government Relations, FICO

Credit Bootcamp for Alternative Lending | Pre-Conference Workshops, April 13, 2:00 pm

Daniel Nestel is Senior Director of Government Relations for FICO. His responsibilities are focused on a wide range of legislative and regulatory issues of interest to the company and FICO clients. In addition to advocacy work on a variety of financial services and privacy related issues, Daniel’s regulatory efforts include matters associated with the Fair Credit Reporting Act, CARD Act, Equal Credit Opportunity Act, Dodd-Frank Act, Fair Debt Collections Practices Act and the Telephone Consumer Protection Act. A seasoned government relations professional with more than two decades of experience, Daniel has engaged in public policy advocacy work at the federal, state and local levels. Prior to joining FICO, Daniel was Vice President of Government Affairs for Exclusive Resorts (a Steve Case majority-owned luxury travel company), Director of State Government Affairs at Reed Elsevier, Inc. and Sr. Assistant Director of Federal Relations at the National Collegiate Athletic Association. Daniel received a Juris Doctor and a master’s degree from The Ohio State University and his undergraduate degree from Brandeis University.

Jorge Newbery, C.E.O., American Homeowner Preservation

Moderator: Residential Real Estate Platforms | Real Estate FinTech Track, April 15, 1:55 pm

As American Homeowner Preservation’s CEO, Jorge Newbery works to create meaningful social and financial returns for investors, while keeping families in their homes. Jorge founded AHP in 2008 as a remedy for the nation’s mortgage crisis. With more than 24 years of experience in the real estate industry, Jorge founded a successful mortgage company, Sunset Mortgage in 1992 and has also been a principal in development, brokerage, and property management firms. He holds a real estate broker’s license and Series 65 securities license. He began acquiring distressed real estate in 1992 and amassed a portfolio of over 4,000 multifamily units nationwide. Jorge draws on his extensive experience to lead AHP’s mission to facilitate win-win-win solutions for homeowners, investors and lenders, and regularly contributes to The Huffington Post and other publications.

Rodrigo Niño, C.E.O. & Founder, Prodigy Network


Rodrigo Niño, CEO and founder of Prodigy Network, is helping to revolutionize the commercial real estate industry through crowd-investing. Niño, a Colombian native and a Manhattan resident, has proven Prodigy Network’s crowdfunding model as an efficient and secure mechanism that enables smaller investors to invest in specific projects that were solely accessible to the very wealthy before.With this model, Rodrigo has raised more than $300 million from 6,200 investors and is currently developing commercial real estate projects in Bogota and Manhattan with a projected value of more than $850 million. Major money center banks like Deutsche Bank, CIBC and Bank of America provided traditional financing for Prodigy’s Manhattan projects, giving further validation to Niño’s model. Beyond commercial real estate, Nino believes the crowd can finance the solution of many of its own urban needs in cities for a profit. According to Niño, this shared value paradigm can level up the playing field for everyone. He sees “the World Economy evolving into a Crowd - Economy, where profit and positive impact are democratically lined up”, thanks to technology and new legislation. As a proponent of the Crowd-Economy as the main tool against inequality, Nino has spoken at worldwide conferences and was a noteworthy guest at NYU, MIT, Yale, Harvard University and the AEDES gallery in Berlin. Niño is often featured in leading publications, including The Wall Street Journal, Businessweek, Forbes, The Economist, The New York Times and Fast Company among others.

Sasha Orloff, C.E.O. & Co-Founder, LendUp


Sasha Orloff is the CEO and Co-founder of LendUp. Ten years ago, after reading Banker to the Poor by Nobel Peace Prize winner Muhammad Yunus, Sasha was inspired to go move to one of the poorest countries in the world, Honduras, where he worked for The Grameen Foundation. What started as a six month internship, turned into years of service in Honduras because he found the work so inspiring. Prior to launching LendUp in San Francisco in October of 2012, Sasha worked at The Grameen Foundation’s technology team, The World Bank’s Consultative Group to Assist the Poor, and most recently, Citigroup. Sasha has a B.S. in Applied Math and Economics and a minor in Behavioral Psychology from University of California, San Diego and an M.B.A from Georgetown University.

Demetris Papademetriou, Co-Founder & Partner, Middlemarch PartnersBuilding an Online Lending Platform: Raising CapitalPre-Conference Workshops, April 13, 5:00 pm

Demetris Papademetriou is a co-founder and Partner of Middlemarch Partners, LLC, a financial services focused Merchant Banking firm that works with companies looking for well-structured and thoughtful solutions to their capital raising, M&A, and strategic partnering needs. Middlemarch is particularly active within the specialty finance, payments, and financial technology sectors where companies require sophisticated equity and debt investment solutions. The firm is capable of supporting venture and growth capital transactions ranging from $15 to $250 million in either debt or equity. Mr. Papademetriou is an active investor and advisor to financial services companies with a particular focus on financial technology opportunities. Prior to founding Middlemarch, he was a Director at Knight Capital Group, a global trading firm, where he was responsible originating, evaluating and executing strategic investment opportunities and M&A with the mortgage backed securities, equities, foreign exchange, and derivatives desks both in the US and Europe.

Billy Parish, C.E.O., Mosaic


Billy Parish is Founder and CEO of Mosaic, a marketplace lender for clean energy investing that was recently named one of the world’s 10 most innovative companies in energy by Fast Company. In 2002, he dropped out of Yale to found the Energy Action Coalition and grew it into the largest youth clean energy organization in the world with over 300,000 members. He was lead architect of the Clean Energy Corps proposal to create 5 million new green jobs, which was incorporated into the American Recovery and Reinvestment Act and also expanded Americorps with a new “Clean Energy Service Corps”. He has been honored as a Rolling Stone magazine “Climate Hero,” and was elected as a Fellow by Ashoka, the global association of the world’s leading social entrepreneurs. His book Making Good: Finding Meaning, Money & Community in a Changing World was an Amazon bestseller. He lives in Oakland, CA, with his wife and two daughters.


Speakers Speakers

Vince Passione, C.E.O. & Founder, LendKey


Vince Passione is Chief Executive Officer and Founder of LendKey, focused on transforming the $3.2 trillion consumer lending market by connecting thousands of financial institutions with millions of borrowers online. LendKey’s turnkey platform allows lenders to quickly launch online lending programs, attract new borrowers and grow their portfolios. Vince has extensive experience running successful financial services and high tech companies nationwide. Prior to founding LendKey, Vince was the COO of DealerTrack, which built the nation’s first and largest credit portal connecting automotive dealerships to banks and credit unions. He’s also held positions at Ameritrade’s Institutional Client Division, OnMoney.com, and Citigroup. He began his career at IBM and has a Bachelor of Science degree in computer science from Polytechnic University.

Nikul Patel, Chief Product Officer and Chief Technology Officer, LendingTree


Nikul Patel, who currently leads product innovation and technology at LendingTree, has built his career on transforming online financial services for the benefit of consumers. Prior to joining LendingTree in 2012, Nikul served as COO/VP Products for Home-Account.com, a start-up with an innovative mortgage shopping experience that was later acquired by Bills.com, where he served as President. Nikul also co-foundedMovoto.com, an online real estate company, to make home shopping easier for borrower. Prior to that Nikul also worked at Intel Corporation for 12 years in senior management capacity where he managed technology products and services for the company. Nikul possesses an MBA with honors in finance from the Wharton School of the University of Pennsylvania.

Gil Penchina, Angel Investor, AngelList Syndicates


Gil Penchina is a serial entrepreneur and prolific angel investor. He is the largest angel on AngelList where he is a partner in18 investment syndicates including the FinTech https://angel.co/l/Fbgji. His funds are backed by over 2,000 other angels. He is a co-founder of Fastly, and board member at Vouch Financial. Previously he was CEO of Wikia, now a top 50 website and was a member of the pre-IPO team at eBay. Before eBay, Gil worked at General Electric, Bain & Co. and started two small technology companies. He has a Bachelors in Engineering from the University of Massachusetts and an MBA from Kellogg. In addition, Gil has been an active angel investor in 70 companies over the last 12 years including firms such as Wealthfront, Paypal, AngelList, Linkedin, Datanyze, Contactually, Indiegogo, Evite, Plusmo, Couchsurfing, Songpop, and many others. His portfolio is available at: https://angel.co/penchina

Yang Peng, Co-Founder, Xintong China

Global Approaches to Microlending | China Pavilion, April 15, 5:00 pm

• Bachelor Degree, Central University of Finance and Economics• MBA, Peking University• Founder, Shanxi Hongmingjing Investment Management Cooperation• Director, Shenzhen Biaobang Investment Group• Project Leader, Ruidong (China) investment Group• Co-founder, Xintong China• President, Yujing Captial• Different management roles in China Minsheng BankWith rich professional working experience in many investment groups, Yang Peng actively advocates and practices the concept of Micro-Lending and Micro credit in China. He focuses on solving financing problems of the vulnerable group. Currently, he has been helping tens of thousands of low-income companies’ financing and lending difficulties with his team of Xintong China, the company he established. He is very committed to the cause of micro-lending and will keep promoting the development of micro-lending in China.

Ethan Penner, Adjunct Professor, USC Marshall School of BusinessModerator: Platforms Shifting from Retail to Institutional InvestorsReal Estate FinTech Track, April 15, 11:15 am

Ethan Penner is a recognized pioneer in the fields of real estate and finance. His 30-year career has been committed to filling voids and responding to unseen or poorly understood opportunities. Most consequently, he is credited with the primary driver in the creation of the near trillion-dollar Commercial Mortgage-Backed Securities market for which he received broad recognition including being named one of the U.S. Real Estate Industry’s 100 icons of the 20th century. In 2011 Real Estate Forum voted him one of the Real Estate Industry’s 65 living legends in their 65th anniversary issue. He has recently co-founded Mosaic Investment Group, an alternative investment manager dedicated to putting the best interests of its investors first. Ethan is also committed to improving the lives of others and enhancing awareness and does so in a number of ways including teaching - he is an adjunct professor at University of Southern California’s Marshall School of Business; writing - he maintains a weekly blog and has had many articles published in a variety of publications including the Wall Street Journal, the Wharton Real Estate Review and the Institutional Real Estate Investor; public speaking - he is a frequent featured speaker at industry conferences and universities; philanthropy - in 1996 he founded the Walt Frazier Youth Foundation which provided internships to teenagers at major U.S. corporations in New York City, and has been on numerous boards including that of The League, which had a competition-based, in-school community service model, KIND, which is dedicated to bringing education and opportunity to woman, and The Simon Wiesenthal Center, which is dedicated to enhancing awareness to combat hate; and fitness - he is the founder and board member of Fitwall, LLC, a company aimed at revolutionizing the exercise industry through its patented Fitwall product. Ethan is married to Marisol Penner, a former professional athlete and a native of Venezuela, they have five children, and reside in Los Angeles County.

Kathryn Petralia, C.O.O. & Co-Founder, Kabbage


Kathryn has spent the past 20 years working with startups and established companies focused on credit, payments, technology and ecommerce. Kathryn and her co-founders started Kabbage in 2009, and they have provided more than $600 million to SMBs. Prior to Kabbage, Kathryn was with Revolution Money, an Internet-based credit card startup based in St. Petersburg, Florida, where she was Vice President of Strategy. Before Revolution, Kathryn was a corporate development executive with CompuCredit Corporation. She spent the early dotcom years with several Internet startups, including US Web and WorthKnowing.com. She holds a B.A. in English Literature from Furman University.

Rob Pfeifer, Head of FP&A, Affirm


Rob Pfeifer is the VP of FP&A for Affirm, the next generation financial services company offering credit to consumers at the point of sale. Affirm enables people to take out simple loans and turn any purchase into a few monthly payments. All the pricing through Affirm is adaptive based on data that prices marginal risk in real time and generates a risk score for every transaction, so every aspect of taking out the loan is transparent. Rob was most recently at Chegg.com where he led marketing analytics and forecasting for their Textbook and Digital Services businesses. He held a similar role at Provide Commerce where he drove the integration of the Personal Creations acquisition. Rob began his career in financial services at UBS Investment Bank, focused on corporate finance and M&A in the technology group, followed by JMI Equity, a $2.1bn private equity firm, where he focused on investments in the Software and Internet sectors. Rob holds a B.A. from Stanford University where he majored in Economics and Philosophy and Religion.


Speakers Speakers

Michael Phillips, Co-Founder & Chief Architect, NSR Invest


Michael Phillips is co-Founder and Chief Architect of NSR Invest. NSR Invest helps individuals and institutions intelligently access marketplace lending investment opportunities. The company’s core technology, NSR Platform, is a full technology stack supporting interactive analytics, custom modeling, model hosting, algorithmic investing, order execution, and portfolio management. Mr. Phillips helps build the tools necessary to manage marketplace lending exposure for NSR Invest clients. Prior to co-founding NSR Invest, Mr. Phillips founded Nickel Steamroller, where he developed the world’s first order execution and portfolio management system for the peer-to-peer lending industry. Through his unique data-driven software and analytics, Mr. Phillips has helped lend credence to the marketplace lending industry, demonstrating it as sound alternative to traditional asset classes. Mr. Phillips is a graduate of Marquette University, where he earned a degree in Biomedical Engineering.

Dan Pillemer, President, CardWorks


Dan Pillemer is the President of CardWorks, Inc., and the Chairman of Kilowatt Financial. Dan became President of CardWorks on April 1, 2015. CardWorks is a leading credit card issuer, installment lender, merchant acquirer, and third party loan servicer. With significant access to capital, servicing capacity, technological and platform capabilities, bank charter and willingness to embrace new and exciting financial services business models, CardWorks has unique assets that are attractive to existing and emerging consumer lending franchises as well as to start up companies. Prior to CardWorks, Dan acted as Chairman and Chief Executive Officer of Kilowatt Financial, one of the largest US clean energy consumer finance companies, with over $500 million in assets across solar leasing, solar lending, and energy efficiency lending. Dan was a founder of Kilowatt and the principal driver of all corporate strategy and governance, financial product design and pricing, and the creation of Kilowatt’s major origination relationships. Dan also led the sourcing and execution of multiple rounds of equity capital, including the largest seed round in Silicon Valley history, and structured and closed various tax equity and senior debt financing facilities. Prior to Kilowatt, Dan acted as Managing Principal of FG Companies, a consumer finance merchant banking firm that advised on more than $1.5 billion in completed investments made by large private equity firms and hedge funds, raised over $1.2 billion in capital for consumer finance companies, sold over $10 billion face value of assets and was involved in the creation of multiple successful consumer finance businesses. Prior to FG, Dan was a principal investor at Goldman Sachs, where he served as a member of the investment committee of the US Special Situations Group. Dan was responsible for a portfolio with a book value in excess of $1.6 billion, focused on private investments across the capital structure in consumer finance assets and originators. Dan has served on the boards of several consumer finance companies. He holds Series 24, 27, 7, 79, 99 and 63 licenses from FINRA, as well as a BSc(Hons) in Pure Mathematics from the University of New South Wales, Australia.

Santo Politi, General Partner, Spark Capital


Santo Politi is a Founder and General Partner of Spark Capital. He has led Spark’s investments in Behalf, COLU, Convert Media, eToro, Genie,Orchard, Qriously, Storenvy, and Triggit. Santo was previously a Partner at Charles River Ventures (CRV) where he led investments in BigBand Networks (NASDAQ: BBND), Broadbus Technologies (acquired by Motorola) and Groove Mobile (acquired by LiveWire).Prior to Charles River Ventures, Santo served as President of New Media for Blockbuster Entertainment. Santo also previously co-founded BT Venture Partners, an early-stage venture capital firm affiliated with Bankers Trust where he led successful investments in Aether Systems, Inc., DigitalThink and Novatel Wireless, Inc. Santo previously held various engineering and management positions at Matsushita Electric Industrial, Panasonic and Weston Instruments. Santo holds an MBA in finance from The Wharton School at the University of Pennsylvania, an M.S. in Electrical Engineering from NJIT and a B.S. in Electrical Engineering and Physics from Bogazici University in Istanbul, Turkey.

Alexander Prokhorov, Partner, FinSight

Emerging Markets Venture Capital in P2P | China Pavilion, April 14, 2:05 pm

Alexander Prokhorov is a partner at FinSight. He began his career in financial advisory group at Ernst & Young in New York, and has worked for two multi-billion dollar family offices focusing on global private equity and venture capital investments. That experience has enabled him to acquire all the necessary skills to pick out potentially world changing start-ups. His background in investing in small and medium sized businesses can be a significant asset to start-ups he is involved in when they try to raise capital.

Dan Quan, Senior Advisor to Director Cordray, Consumer Financial Protection BureauModerator: Government Regulation of Online Lending in the U.S. & ChinaChina Pavilion, April 14, 2:40 pm

Dan Quan is Senior Advisor to Director Cordray at the U.S. Consumer Financial Protection Bureau (CFPB). He leads Project Catalyst, CFPB’s initiative to support innovators in creating consumer-friendly financial products and services. His work focuses on identifying and promoting innovative technologies and business models that can help solve the most complex issues in consumer finance. Prior to assuming that role, Dan was the prepaid and payment innovation program manager. In that capacity, he was responsible for market monitoring in the emerging payments space and led the policy development for prepaid card rule-making.

Zander Rafael, C.E.O., Climb Credit


We started Climb to fund high-ROI competency-based education: focused skills training, coding bootcamps, online-offline offerings and high quality certificate programs, with the belief that financing higher education in the US needs to consider post-graduation outcomes. A wave of education providers are delivering education in new, more effective ways at the same time as alternative lenders are creating more effective ways to deliver capital. Leveraging the team’s 15 years of student lending experience, we have created the first aligned-incentive higher education finance platform, where schools, investors and students share in the risks and rewards of higher education - all with a focus on improving return on education for students. Zander leverages his ten plus years of experience in finance and consumer internet. He co-founded, developed, scaled and sold a CRM and marketing pipeline for SMBs. Previously he was on the investment team at Bridgewater Associates and worked in financial services at The Boston Consulting Group.

Perry Rahbar, Co-Founder & C.E.O., dv�1


Perry Rahbar is Co-Founder & CEO of dv01. dv01 is a loan analytics and portfolio management platform specifically for large institutional investors focused on mortgage and consumer lending markets; including P2P. Our goal is to help connect newer P2P originators with traditional fixed income investors, while providing these investors with the tools necessary to better analyze and manage loan portfolios; new or old. Perry previously worked at Bear Stearns where he was Managing Director in Non-Agency MBS Trading until JP Morgan acquired the firm in March 2008. He continued working at JP Morgan until February 2013, most recently running CMBS Trading. Perry holds degrees in Economics and Political Science from Emory University. He is also an active investor in early stage startups and is a member of the Emory College Alumni Board.


Speakers Speakers

Michelangelo Raimondi, Executive Director - SPG Warehouse Lending, Morgan Stanley

Moderator: NextGen Energy Finance | Real Estate FinTech Track, April 15, 2:50 pm

Michelangelo Raimondi is an Executive Director in Morgan Stanley’s SPG Warehouse Lending Group where he focuses on providing tailored financing solutions to the firm’s global clients across a wide range of asset classes including mortgage servicer advances, marketplace loans, renewable energy financing products and other esoteric assets. Prior to joining Morgan Stanley at the beginning of 2014, Michelangelo worked at Credit Suisse for 7 years. He holds an MBA from INSEAD and Bachelors of Science in Aerospace Engineering from the Massachusetts Institute of Technology.

Garry Reeder, Partner & CEO, Fenway Summer

Moderator: Innovation in Auto Finance | China Pavilion, April 15, 2:05 pm

Prior to joining Fenway Summer in June 2013, Garry served as the Chief of Staff of the U.S. Consumer Financial Protection Bureau (CFPB). He was a member of the original team at the United States Treasury Department charged with staffing the agency and setting its strategic, operational and policy priorities. As a Senior Advisor, he was directly involved with the creation and establishment of the Research, Markets & Regulations division and the Office of the Director and Deputy Director. Before joining the CFPB, Garry was a member of the Auto Team at the Treasury Department helping manage the government’s auto industry investments – including the $23 billion IPO of General Motors. He also served on the senior staff committee of the Financial Stability Oversight Council, and as the deputy to an FDIC Director. Prior to entering public service, Garry spent a decade in the investment management business – at Ziff Brothers Investments covering financial institutions and at Sanford C. Bernstein & Co. covering the media industry. His financial institutions coverage focused on consumer finance companies, domestic banks and brokers, for-profit education and emerging market depositories. He has also worked as the Field Director for a congressional campaign and as an academic researcher. He is a graduate of Yale College and Columbia Business School. He lives in Washington, D.C. with his wife, a corporate communications trainer, and their two daughters.

Robert Re�in, Founder & C.E.O., Compass


Prior to Compass, Robert worked at Goldman Sachs as Chief of Staff to the President & COO following five years working in the firm’s private equity arm. Prior to Goldman Sachs, he worked at Lazard and McKinsey & Company. In 2005, he was appointed as a White House Fellow to serve as special assistant to the Secretary of the Treasury. Robert is also the Founder of New York Needs You. He received a B.A. and M.B.A. from Columbia University. Outside of work, he recently completed 50 marathons, one in each state, to raise $1 million for nonprofits.

Peter Renton, Co-Founder & Partner, Lend Academy

P2P Lending 101: Intro to P2P | Pre-Conference Workshops, April 13, 1:00 pm

Presentation: Market Analysis: Global Overview | Main Track, April 14, 9:25 am

Peter Renton is the Co-Founder and Partner of Lend Academy Investments and the Founder of Lend Academy, the leading educational resource for the peer-to-peer (p2p) lending industry. His blog is the most widely read website about p2p lending and through his writing and video courses he has helped tens of thousands of people understand this new asset class. He is considered the world’s leading expert on p2p lending and speaks regularly on the topic at industry conferences. He is the co-founder of the LendIt Conference, the world’s first conference dedicated to the p2p and online lending industries and he is the author of The Lending Club Story, the definitive guide to the world’s largest p2p lender. Peter Renton has been interviewed by the Wall Street Journal, Bloomberg, Fortune, NPR, Fox Business News, the Financial Times, TheStreet.com and dozens of finance blogs and smaller publications.

Matthew Risley, Chief Credit Officer & C.F.O., Klarna AB


Matthew Risley has spent his career in consumer finance and payments in a variety of roles, including product, marketing, finance, and credit risk. Matt started his career with Capital One and since then has worked in on-line financing of education loans, peer-to-peer lending, and now online payments and sales financing with Klarna, a Swedish based company present in 18 countries and launching in the U.S. soon. Matt has been with Klarna since 2013 and currently serves as its Chief Credit Officer & CFO. While being a fond native of the U.S., Matt highly recommends working and living in Stockholm, in spite of the 20 daily hours of winter darkness.

Neil Roberts, C.E.O., Harmoney


He’s taken a start-up to $100m profit over five years, turned failing companies into resounding success stories, influenced how government treats business, and now heads New Zealand’s first ever peer-to-peer lending business. Neil Roberts is CEO and Founder of lending marketplace Harmoney. In the few months since its 2014 launch, Harmoney has attracted worldwide investors, secured cornerstone shareholders, developed an advisory board from the cream of the global peer-to-peer lending community – and made it onto The New Zealand Herald’s “Top 10 list of Disruptors”. In January 2015, Trade Me (New Zealand’s ebay) bought a 15% stake in Harmoney for around $8m. In February, Neil announced that having made serious inroads into the personal lending market, Harmoney was now looking “long and hard” at peer-to-peer mortgages. The company is also seeking P2P licencing in Australia, and hopes to operate there by mid-2015. That will open up a market roughly five times the size of New Zealand. Before launching Harmoney, Neil was a key part of the team that took Australian company Flexigroup from a mono product and channel business to the top 200 ASX listed entity it is today with a market cap in excess of $1bn. Neil had already launched a Personal Loan business in NZ, from standing start to $3.2bn in applications and $1.6bn in written business within 5 years. A business leader and financial services entrepreneur, Neil thrives on big challenges and the opportunity to build successful teams that accomplish great things. One of his fundamental tenets is that success has little to do with the economy, and everything to do with the business itself.

Mark L. Rockefeller, Co-Founder & C.E.O., StreetShares


Mark L. Rockefeller is Co-Founder & CEO of StreetShares, an interactive marketplace where investors compete to provide shares of commercial loans to small businesses. StreetShares focuses on term commercial loans below $50,000. The press describes StreetShares as “Shark Tank meets eBay” for small business loans. StreetShares applies a unique affinity approach to marketplace lending, beginning with Veterans. StreetShares has assembled the largest private commitment to fund veteran-owned businesses in U.S. history – a commitment of $200 million over the next four years. StreetShares has also formed the nation’s largest coalition of over 26 veteran-focused small business and entrepreneurship organizations, giving StreetShares exclusive access to over 2.5 million veterans. Mark began his career as a military officer. Following military service in Iraq, he joined the global financial services law firm Milbank, Tweed, Hadley & McCloy LLP. He left the law firm to co-found StreetShares in 2013 with Mickey Konson, formerly the Senior Credit Officer at Capital One’s retail bank. He is a frequent speaker and writer on alternative finance and veterans entrepreneurship. He holds a bachelor’s degree in finance, MBA and law degrees. He was a Stone Scholar at Columbia Law School and is a term member in the Council on Foreign Relations.

Jason Rockman, VP, Brand and Partner Marketing, CAN Capital


Jason has spent the past 19 years focused on business strategy across a variety of brands and disciplines, with an emphasis on customer centricity and brand building. He has led several significant growth cycles with private companies focused on acquisition by public companies. In Jason’s current role at CAN Capital, he is responsible for driving a customer first mentality across all touch points and building the CAN Capital brand.


Speakers Speakers

Jason Rockman, VP, Brand and Partner Marketing, CAN Capital


Jason has spent the past 19 years focused on business strategy across a variety of brands and disciplines, with an emphasis on customer centricity and brand building. He has led several significant growth cycles with private companies focused on acquisition by public companies. In Jason’s current role at CAN Capital, he is responsible for driving a customer first mentality across all touch points and building the CAN Capital brand.

Jeffrey Rogers, President & C.E.O., LiftForward


Jeffrey Rogers has over 20 years of executive management experience in finance, credit, technology, e-commerce, and operations. Mr. Rogers is the President & CEO of LiftForward, Inc., a marketplace loan platform which provides loans to small businesses and high yielding debt products to institutional and accredited investors. LiftForward’s technology driven underwriting process provides working capital, purchase order and asset based loans to small and medium size businesses. LiftForward also has a number of partnerships with major brands and suppliers. Through its partnerships, LiftForward provides technology that pre-approves applicants in call centers and mobile applications, offering a better borrower experience. Prior to LiftForward, Mr. Rogers was President of Behalf, Inc., which is an online micro-lender to small businesses. Prior to Behalf, Mr. Rogers ran and grew several large businesses after working in investment banking and law. Mr. Rogers received his BA from Washington and Lee University, his JD from Washington and Lee University School of Law, and finally, his MBA from the Darden School at the University of Virginia.

Eric Rosenthal, Real Estate Special Situations, GarrisonInstitutional Investors View of Real Estate CrowdfundingReal Estate FinTech Track, April 15, 9:15 am

Mr. Rosenthal is responsible for debt and equity investments across a variety of real estate and structured finance categories for the New York City based Garrison Investment Group ($4.2BB AUM). Garrison real estate strategies include secondary loan acquisitions, opportunistic loan originations, and direct equity investments across all major asset classes and capital stack positions. Prior to joining Garrison, Mr. Rosenthal worked at Gramercy Capital Corp (NYSE: GKK) and Freddie Mac. Mr. Rosenthal was raised in Washington DC and received a Bachelor of Arts from the University of Virginia. Since 2010, Garrison has acquired/originated commercial and P2P consumer loans with a total face balance of $3BB and $800MM, respectively.

Frank Rotman, Partner, QED Investors

Special Presentation: Installment Loan Failures in 2008 | Main Track, April 15, 2:20 pm

Moderator: Innovation in Purchase Finance | Main Track, April 15, 5:00 pm

Frank Rotman is a founding partner of QED Investors. His investments are focused on financial services and financial technology companies that have data analytics foundations at their core. He serves on the board of Global Analytics, The America’s Card, Wealth Engine, Credit Karma, Grove, and L2C. Frank was one of the earliest analysts hired into Capital One and spent almost 13 years there helping build many of the company’s business units and operational areas. With two decades in consumer & small business finance, Frank is widely known in the industry as a Credit Risk and Portfolio Management Expert. His responsibilities have included turning around underperforming business units, building new businesses from concept to market leadership positions, overseeing the credit performance of Capital One as a whole, and creating a Student Lending company after leaving Capital One in December 2005. Frank graduated from the University of Virginia with degrees that included Applied Mathematics (B.S.) and Systems Engineering (M.S.).

Darpan Saini, Co-Founder & C.E.O., Cloud LendingBuilding an Online Lending Platform: Platform SoftwarePre-Conference Workshops, April 13, 1:20 pm

Darpan is responsible for creating and maintaining the architecture of Cloud Lending’s product line. He is hands on with every aspect of product development right from product strategy to implementation. Needless to say he loves programming. Darpan was a full time researcher in programming languages before co-founding Cloud Lending Inc.; having worked at large corporations such as IBM and Oracle in a previous life. Darpan has a Masters in Software Engineering from Carnegie Mellon University, USA and BE in Computer Science from Visvesvaraya Technological University, India.

Scott Sambucci, VP, Sales & Customer Success, Blend Labs


Scott Sambucci is the Vice President of Customer Success & Sales at Blend, a Silicon Valley software company focused on the residential mortgage industry. Previously, he was an executive at CoreLogic and the Chief Operating Officer with Altos Research. Scott has authored several white papers and articles, and has been featured on CNBC, NPR, The Financial Times, The Wall Street Journal, and HousingWire for his perspectives on the US housing market. Scott has also served as guest lecturer and professor the University of San Francisco, Hult International Business School, and California State University, and UC-Berkeley in the areas of Economics, Finance, Entrepreneurship, Strategic Management, and Sales Management. He’s published two books on selling for startups, and regularly speaks at startup organizations and accelerators across the US. Scott lives in Northern California with his wife and son. He is a three-time Ironman triathlete. You can contact Scott at (415) 596 0804 and [email protected].

Ohad Samet, Co-Founder & CEO, TrueAccordBuilding an Online Lending Platform: CollectionsPre-Conference Workshops, April 13, 2:00 pm

Spent more than a decade implementing machine learning for financial service companies in roles that include: Head of Analytics for FraudSciences (acquired by PayPal), Founder of Analyzd (acquired by Klarna) and the Chief Risk Officer of Klarna, among other notable tech companies. Wrote O’Reilly’s 101 guide for risk in online payments.

Scott Sanborn, C.O.O., Lending Club


Moderator: Borrower Acquisition at Scale | Track 2, April 14, 2:25 pm

As the Chief Marketing and Operating Officer, Scott is responsible for connecting to Lending Club’s customers through all channels, including advertising, PR, the website, direct marketing, and customer support as well as for managing our customer-facing operations. Before joining Lending Club Scott was the Chief Marketing and Revenue Officer for eHealthInsurance, a publicly traded ecommerce company, where he lead marketing, product, sales and customer service to bring double digit growth in revenue and new customer acquisition. Prior experience includes various senior marketing roles including President and Chief Marketing Officer of RedEnvelope, Inc., an e-commerce and catalog retailer of upscale gifts, and Senior Vice President of Marketing for the Home Shopping Network, a television and internet retailer of consumer products. Scott holds a BS from Tufts University.


Speakers Speakers

Joanna Schwartz, C.E.O. & Co-Founder, EarlyShares

Moderator: Commercial Real Estate | Real Estate FinTech Track, April 15, 4:10 pm

Joanna Schwartz is CEO and Co-Founder of EarlyShares, the trusted platform that gives accredited investors direct access to vetted, return-driven investment opportunities in commercial real estate. Under Joanna’s leadership, EarlyShares is using new technology to disrupt the commercial real estate industry and transform private investing. An award-winning executive, Joanna has over 20 years of experience as a successful leader, advisor, and entrepreneur. Prior to EarlyShares, she was the Founder & Managing Director of Silver Hill Financial, a market leading small-balance commercial mortgage lender. Joanna led Silver Hill from inception to more than $1 billion in annual originations and 550 employees. Joanna’s opinions are frequently solicited by major media outlets including The Wall Street Journal and Forbes and she was recently listed as one of the top eight “Women of Crowdfunding” on Forbes.com. Joanna is past chair of the Miami Chapter of the Young Presidents Organization (YPO) and holds an MBA from Harvard Business School.

Ethan Senturia, Co-Founder & C.E.O., Dealstruck


Dealstruck is a small business lending platform that combines innovative technology with unique financial products to offer small businesses efficient service and affordable funding solutions that are fair, flexible and transparent. As Co-founder and CEO of Dealstruck, Ethan Senturia leads all institutional and marketplace lending relationships, as well as product strategy. Before founding Dealstruck, Ethan ran Internet marketing for a lead generation startup - Ampush Media - growing annual spend to $15M in less than two years. Prior to Ampush, he worked as a distressed credit analyst at Lehman Brothers and graduated Summa Cum Laude from Wharton Business School.

George Shapiro, C.E.O. & Chairman, The Interface Financial Group


George Shapiro is an accomplished international executive with over twenty five years of business-building experience in emerging markets. After serving for more then 6 years as CEO of CBSF Capital Management, and then leading the company to a successful merger in 2000, George subsequently became the Chairman of the Board of Managers where he served until 2006. George is currently CEO of IFG Network and a director of several other companies. George was elected Chairman of the Interface organization in 2007.

Rick Sharga, Executive Vice President, Auction.com

Presentation: Trajectory of Real Estate | Real Estate FinTech Track, April 15, 3:25 pm

One of the country’s most frequently-quoted sources on real estate, mortgage and foreclosure trends, Rick joined Auction.com, the largest online real estate marketplace, in 2013. Rick has appeared on the CBS Evening News, NBC Nightly News, CNN, ABC World News, CNBC, FOX, Bloomberg and NPR; briefed government organizations such as the Federal Reserve and Senate Banking Committee; and corporations like JPMorgan Chase, Citibank and Deutsche Bank. Prior to joining Auction.com, Rick was an Executive Vice President for Carrington Mortgage Holdings, which owns and operates multiple businesses in the mortgage, real estate and securities industries. Prior to Carrington, Rick spent eight years at RealtyTrac, where as senior vice president he was responsible for marketing, business development and data operations. Rick is a member of various industry organizations. He serves on the editorial advisory board for Default Servicing News and was included in Inman News’ Inman 100, an annual list of the most influential leaders in real estate in both 2013 and 2014.

Allen Shayanfekr, C.E.O. & Founder, Sharestates

Real Estate Crowdfunding Property Types | Real Estate FinTech Track, April 15, 4:45 pm

Allen Shayanfekr, Esq. is the CEO and Founder of Sharestates. Allen is currently admitted to practice law in NY and CT. His legal expertise in securities law is paramount to Sharestates’ ability to promote and produce public and private offerings in a highly regulated space. Allen interacts regularly with the Securities and Exchange Commission, in addition to spearheading daily operations at Sharestates. Prior to launching Sharestates, Allen joined the Atlantis Organization as their National Title Producer and Account Executive, holding approximately 28 Producer’s licenses across the Country. Allen received his J.D. Magna Cum Laude from Touro Law Center where he graduated in the top 6% of his class and his B.A. in Political Science from New York University.

Stephen Sheinbaum, Founder, Merchant Cash and Capital


Mr. Sheinbaum founded Merchant Cash and Capital (“MCC”) in 2005. Since that time, and under his guidance, the company has grown from a single employee entity doing a handful of deals a month to its present status as one of the nation’s leading alternative finance companies. Since inception, the MCC family of companies has originated over $1 Billion in funding to more than 20,000 individual business owners. Mr. Sheinbaum has authored several articles that have appeared in a variety of national publications, he has spoken on numerous industry panels, and he was most recently featured on CNBC where he discussed the current state of lending to small businesses. Prior to forming MCC, Mr. Sheinbaum practiced law for over eighteen years. He specialized in complex litigation and corporate transactional matters, and he represented dozens of small businesses, as well as a host of Fortune 500 companies.

David Shellenberger, Senior Director - Scoring and Advanced Analytics, FICOFICO’s Credit Boot Camp for Alternative LendingPre-Conference Workshops, April 13, 1:00 pm

David Shellenberger joined FICO in 1994 and is currently serving as a Senior Director with a focus on new score development. His work leverages analytic capabilities originating from many disciplines and applies them to solve unique problems in multiple industries including finance, healthcare, pharma and consumer packaged goods. He has led development of analytic offerings that assess patient medication adherence, new methodologies for identifying and quantifying peer to peer influence, and predictive modeling approaches to promotion mix optimization in marketing. Prior to joining the company, Mr. Shellenberger worked for First American CREDCO (now Corelogic) and active in release of the first commercially available mortgage credit score, offered jointly by the two companies in 1992. He holds a BA from the University of California, San Diego, an MBA in finance from San Diego State University and has completed graduate level course work at University of California, Berkeley.

Paul Shi, C.E.O., Yesmyloan (wangdaizhijia.com)

Overview of Chinese Internet Finance Market | China Pavilion, April 15, 12:05 pm

Paul Shi, CEO of Yesmyloan(wangdaizhijia.com), Vice President of YingCan Group. Master degree from Beijing Normal University. Shanghai Outstanding graduate in 2010. The lecturer of Internet Financial MBA of Shanghai JiaoTong University. The lecturer of Internet Financial master degree of Shanghai FuDan University. Yesmyloan(wangdaizhijia.com) is the first and biggest information portal site of Chinese P2P industry. Just like Autohome Inc.(NYSE:ATHM) in the automotive industry.


Speakers

Eyal Shinar, C.E.O. & Founder, Fundbox


Eyal Shinar is an expert in financial services and technology management. Prior to his current position as CEO and Founder of Fundbox, he served as a Vice President at Battery Ventures where he led many projects and investments in the areas of finance, machine learning, SMBs and SaaS. Additionally, Eyal was one of the first employees of Old Lane, a $5.5B NY based global hedge fund (later acquired by Citigroup), and also worked for Castle Harlan, a leading $6B NYC-based buyout firm. Eyal earned his MBA from The Wharton School of Business at the University of Pennsylvania.

Marc Siden, Co-Founder & C.E.O., Onboard Informatics


Marc Siden is a pioneer in developing technology that powers online experiences. He’s been featured in real estate technology books and expert panels across the country. Thirteen years ago Marc founded Onboard Informatics, a local data distribution platform used by some of the largest brands in the country. Marc has over 20 years of experience in diverse technology and information services. His company transformed local data into a powerful technology platform that benefits a range of industries.Marc spent eight years on Wall Street before creating the venture capital firm New Beginnings. While there, he invested in Monsterdaata.com, a company that pioneered the provision of online data and technology solutions to Multiple Listing Services and brokers. He fell in love with the industry and joined Monsterdaata.com full time as the Executive Vice President of corporate development, strategy, sales and marketing. He took what he learned at Monsterdaata.com and co-founded Onboard. Marc personifies both the industry and the passion of New York and of Onboard. Marc hasn’t forgotten where he came from: he mentors and coaches ice hockey in Harlem and serves on the advisory board of TORCH, an organization that provides business opportunities and internships to inner city high school students. Marc continues to live in New York with his wife and daughters.

Jed Simon, C.E.O., FastPay


Jed Simon is the founder and CEO of FastPay. Based in Los Angeles, Jed began his career in the investment banking analyst program at Morgan Stanley & Co. in New York working on IPOs, debt finance transactions, and M&A for media companies prior to joining DreamWorks SKG in 1996. During his ten year career at DreamWorks, Jed managed aspects of its finance, distribution, marketing, and new media businesses, and was a senior executive at DreamWorks Records before assisting in the sale of the company to Universal Music Group. His last position with DreamWorks was Vice President of International Distribution and Marketing for DreamWorks Pictures, based in London. Jed graduated Phi Beta Kappa from Brown University.

Evan Singer, General Manager, SmartBizThe Online Lending Technology Ecosystem: Borrower Side TechnologyPre-Conference Workshops, April 13, 4:50 pm

Evan leads the operational, tactical and strategic activities associated with SmartBiz, the company’s small business loan product. He is responsible for the overall profitability, growth and success of SmartBiz.He has broad experience in both financial services and consumer industries. Evan has built a career around successfully launching and growing new brands and services along with building successful teams. Prior to Better Finance, Evan held leadership positions as Chief Revenue Officer at Milton’s Baking, President at Purity Organic, and General Manager at Align Technology. He started his career at Procter & Gamble. Evan holds a B.A. in Public Policy and graduated with honors from Stanford University.

William Sipple, Executive Managing Director, HVS CapitalReal Estate Crowdfunding Property Types: HospitalityReal Estate FinTech Track, April 15, 4:45 pm

William (Bill) Sipple is Executive Managing Director of HVS Capital Corp (HVSCC). In this capacity, he leads a team of professionals that provides a wide range of real estate investment services on an international level to institutional owners, private equity funds, special services, management/ownership companies, real estate investment trusts, developers, commercial lenders, investment banks and high net worth individuals, including:• Investment sales and acquisitions of hotel properties and mixed-use properties;• Capital markets advisory services assisting owners and investors in securing project debt and equity;• Deal structuring, which includes assistance in the negotiations, financial analysis, due diligence, deal planning and closing;• Business planning and investment analysis;• Troubled loan workouts; and,• Portfolio analysis and asset positioning.Sipple has over 30 years experience in hotel development, finance, valuation and operations. Prior to joining HVSCC, he was President of Index Consulting Group, and he has also been Corporate Vice President of Development in the Americas for all full-service brands of Carlson Hotels Worldwide.

Eric Siragusa, Partner, MHP Funds

Real Estate Crowdfunding Property Types | Real Estate FinTech Track, April 15, 4:45 pm

Eric is a Partner at MHP Funds, LLC, currently co-managing multiple private real estate investment funds that own Mobile Home Parks across the country. MHP Funds and their affiliated companies are believed to have a portfolio containing the 10th largest number of mobile home lots, and the 3rd largest number of Mobile Home Parks, with over 130 parks and 13,000 lots in 20 states. In 2006 Eric joined the Board of Directors of the non-profit North San Diego Real Estate Investors Association, Inc. (NSDREI), one of San Diego’s leading real estate education and networking organizations. He has served as President of the NSDREI since 2008. Eric also serves as an educator, mentor and consultant to other real estate investors and professionals. He received his Ph.D. in Electrical Engineering from the University of California at San Diego in 2003, has multiple patents, and is blessed with a wonderful wife and two daughters.

William Skelley, Founder, Chairman & C.E.O., iFundingPlatforms Shifting from Retail to Institutional Investors | Real Estate FinTech Track, April 15, 11:15 amCommercial Real Estate | Real Estate FinTech Track, April 15, 4:10 pm

William Skelley is responsible for all business development activities at the real estate crowdfunding platform, iFunding. The company has financed over 35 commercial and residential real estate projects with total real estate value of $350 million. In 2005, he founded a boutique investment bank that underwrote $2 billion in real estate transactions, ranging from hotels/resorts acquiring hundreds of millions of dollars in financing, to mixed-use properties and scores of single family homes. William specializes in fundraising from accredited investors and family offices. Prior to founding iFunding, William was a principal at Rose Park Advisors, a hedge fund founded by Harvard Business School professor Dr. Clayton Christensen, specializing in “disruptive innovation.” He has also worked at General Electric, Olympus and as an advisor to several start-ups. He attended Hobart College and Harvard Business School.

Michael Slavin, Founder & C.E.O., Privlo


Michael Slavin has over 13 years of experience in private capital markets including real estate development, real estate debt investment, and private equity. In 2011, he founded Privlo with the goal of redefining the mortgage industry by building a company that lends the “right” way. Slavin hand-picked his team for their wealth of real estate and finance expertise, as well as their propensity to be fueled by a culture that challenges assumptions, identifies opportunities, and creates solutions using innovation and data. Many founding employees have similar profiles to the people Privlo is aiming to help – the self-employed, business owners, entrepreneurs and professionals categorized as making a “complex income” by traditional lenders. Slavin says, “Because of this common thread, we truly empathize and understand our customers, having faced many of the same frustrations they have at how difficult it is to get a loan in the current marketplace.”

Speakers


Speakers

Andrew Smith, Partner, Covington & BurlingFICO’s Credit Boot Camp for Alternative LendingPre-Conference Workshops, April 13, 2:00 pm

Andrew Smith is a Partner at the Covington & Burling law firm in Washington, DC. Mr. Smith advises banks, finance companies, credit bureaus, and other financial services providers regarding compliance with consumer financial services laws and rules, as well as law enforcement, investigations and transactional matters. Mr. Smith is recommended by Best Lawyers in America, Chambers, and Legal 500, and is a fellow of the American College of Consumer Financial Services Lawyers. Earlier in his career, Mr. Smith served in senior policy-making and supervisory positions at the Federal Trade Commission and the Securities and Exchange Commission.

Graham Smith, Founder, Open Energy Group


Graham is founder and CEO of Open Energy Group, a new finance company funding the growth of US commercial solar energy infrastructure. The Open Energy Group online investment platform and marketplace enables accredited and institutional investors to invest into high quality solar project debt and earn strong risk-adjusted returns. OEG provides innovative financing solutions to support the growth of commercial and utility-scale solar infrastructure, using a marketplace to direct investment, and based on a foundation of technology driven underwriting processes. Open Energy sources and structures renewable energy project loans through its proprietary technology process centered on a strict risk methodology, providing investors with security and choice around their investment products.Prior to Open Energy, he started two fixed-income brokerage firms, Axiom Global and then Phoenix Partners Group, the latter he co-ran for seven years. While at Phoenix, Graham started and co-ran a renewable energy advisory business, Phoenix Greenworks Capital, which secured $75m of construction finance for 15MW of some of the UK’s first utility-scale solar projects. Graham is a former Olympian in rowing (Atlanta, 1996). He studied at Cambridge University and University College, London.

Dr. Tharon Smith, Founder & Managing Director, Strontium Group

Emerging Markets Venture Capital in P2P | China Pavilion, April 14, 2:05 pm

Tharon Smith is the founder and managing director of Strontium Group, which operates as Strontium Advisory and Strontium Capital. Strontium Advisory is a council of global advisors dedicated to cross-border venture projects. Services include due diligence, strategic planning, intelligence activities, partnership matching and business development. Strontium Capital is an emerging markets venture capital fund that invests in growth and expansion stage companies developing cutting-edge technologies.

Tyler Smith, Owner, Loftopia


Tyler’s is an expert in logic-based marketing, using existing and emerging digital tools to elevate client companies ability to grow and convert their user-base - AKA Growth and Conversion “Hacking”. Starting with eCommerce in the late 90’s, Tyler has serviced a wide spectrum of industries as they transition into the Internet revolution (including eCommerce, video, medical, security, social, dating, and direct to consumer). His current focus has been Peer-to-peer, crowdfunding and marketplace lending; next is I.O.T. (the Internet of Things).

David Snitkof, Chief Product Officer & Co-Founder, Orchard Platform

Moderator: Big Data and the Future of Financing | Track 2, April 14, 12:05 pm

David Snitkof is a co-founder of Orchard and leads development of the company’s product, platform, and analytics. He has applied analytics and technology to banking, healthcare, travel, and media for over 8 years. At American Express, he worked on risk, product, and marketing analytics for new consumer card products and partnerships and also developed the underwriting criteria used to approve or decline billions of dollars in new credit. At Citigroup, David led a team driving analytics and strategy for the full Small Business credit lifecycle. David also was head of analytics and marketing at Oyster.com, an online travel startup since acquired by TripAdvisor. David is passionate about developing creative uses for data, communication of technical concepts, and building high-performing teams and products. He graduated from Brown University, where he studied Economics, Cognitive Psychology, & Neuroscience.

Michael Solomon, Co-Founder & C.E.O., CircleBack Lending


Michael has over 25 years of experience in the legal, financial services, and entertainment fields, including roles in management, sales and marketing, business development, compliance, and operations. He was the Founder of Loanio, an early entrant to the U.S. peer-to-peer lending market, and served as its Chief Executive Officer from inception in 2006 until 2010. Prior to Loanio, he Co-Founded and became President of Omnilaw Legal Plans, Inc., a company that provides affordable access to legal and financial services. At Omnilaw, Mr. Solomon was instrumental in the development of product offerings, operations, and legal compliance, as well as with the company’s marketing and sales initiatives. He also founded the Solomon Law Group, an internet-based niche immigration law practice. In addition to acting as lead attorney, he designed and implemented the firm’s marketing strategy, which was exclusively focused on Internet-based client acquisition. Previously, Michael was also the Co-Founder and President of Breakthru Entertainment. Michael has a BA from Washington University in St. Louis and a JD from Brooklyn Law School.

Shaun Sorenson, General Manager & Vice President, Prosper Healthcare Lending


Shaun Sorensen is the General Manager and Vice President of Prosper Healthcare Lending, a subsidiary of Prosper Marketplace. Prior to Prosper Healthcare Lending, Shaun was the CEO and Co-Founder of American HealthCare Lending, creators of the Financing as a Service™ (FaaS™) model and the premier source of patient loan originations for several of the nation’s top marketplace and direct lenders. American Healthcare Lending was acquired by Prosper Marketplace in January 2015. Before founding American Healthcare Lending Shaun held roles as Executive Vice President at MyFinanceGuys.com, an online SaaS lending platform in the marine and RV industries and President and General Manager at MasterCraft Dealer Services. Prosper Healthcare Lending connects lenders with healthcare providers to Make Healthcare Affordable for patients. Healthcare providers throughout the country utilize Prosper Healthcare Lending’s cloud-based, non-recourse patient financing platform to improve the quality of life for consumers in a variety of healthcare specialties including: Dental, Cosmetic Surgery, Bariatric Surgery, Fertility and Behavioral Health. Shaun has an M.B.A. from The George Washington University and a B.A., Magna Cum Laude, from Brigham Young University. Shaun lives in Salt Lake City, Utah with his wife and three children.

Michael Soza, Partner, BDO


Michael Soza is a partner with BDO USA, LLP in San Francisco, CA with 30 years of public accounting experience. Mike’s experience includes serving clients in the financial services industry in the areas of banking, insurance, investment funds, leasing and marketplace lending. He has experience in both public and private clients. Prior to joining BDO, Mike was a partner at a regional accounting firm in San Francisco and at KPMG. Mike has assisted clients in initial public offerings, debt financings and private placements. His experience in marketplace lending includes working with platforms, investment funds and originating banks. He has been involved in several new fund launches, providing market insights, accounting and auditing services. Mike is a graduate of the University of Southern California and received his Masters of Business Administration from St. Mary’s College of California. He currently serves on the Board of Advisors for the Leventhal School of Accounting at USC.

Speakers


Speakers

Kim Stempel, VP, Sales and Business Development, Nortridge SoftwareBuilding an Online Lending Platform: Back Office SoftwarePre-Conference Workshops, April 13, 2:20 pm

As a high school science geek, Kim Stempel wanted to go into medical research. After spending several years in college and graduate school doing research into all hours of the nights (cells need to be fed after all), she decided to take a 180 degree turn and study the family business – banking. This led her to Nortridge Software. Kim got her first experience in banking and finance years ago when she spent her summers working the drive-thru window at an Illinois bank. Today, in her role as vice president, sales and business development for Nortridge Software, she is responsible for the sales team as well as forming key business partnerships and relationships. Since joining the team, Kim has seen years of exponential growth in Nortridge. The analytical skills she developed during many years in a research lab give Kim the ability to look at clients’ needs and help them use NLS in a way that improves their business processes. Kim studied business at the University of Wisconsin, Madison, where she earned an MBA in investment banking. She also holds a bachelor’s degree in biology from Northern Illinois University, and studied molecular virology at the University of Chicago and Washington University in St. Louis. Originally from Freeport, Ill., Kim now lives in San Rafael, Calif. When she isn’t telling potential clients and partners how NLS can help improve their business, she enjoys tennis, golf, skiing and traveling with her husband, Terry, and their family.

Peter Sterling, President, Overland Advisors

Moderator: Small Business Lending Innovators | Track 2, April 14, 10:05 am

Peter Sterling serves as the President and Portfolio Manager of the Overland Direct Yield Fund and is a senior member of Overland Advisors’ Investment Committee. Peter has 15 years of industry experience investing in credit, equity, and derivative portfolios and investing in non-performing loans in the consumer and commercial credit card space. Prior to joining Overland, Peter co-managed a multi-billion dollar capital structure arbitrage portfolio at KBC Alternative Investments and Marin Capital. Previous to that, Peter traded derivatives at DE Shaw/KBC FP and on the American Stock Exchange. BA from Cornell University.

Brian Stern, Managing Director, BlackRock Alternative Investors


Brian Stern, Managing Director, is a senior member of BlackRock Alternative Investors and BlackRock Corporate Ventures. Mr. Stern is responsible for sourcing, evaluating, and executing illiquid investment opportunities on behalf of BlackRock and BlackRock’s funds and accounts under management. Prior to joining BlackRock in 2010, Mr. Stern served in the U.S. Department of the Treasury, where he was a member of the Auto Task Force. Mr. Stern previously worked for Merrill Lynch Global Private Equity, where he helped lead MLGPE’s investments in financial institutions and related industries; for Infinity Point LLC, a financial services-focused investment boutique; and for McKinsey & Co. Mr. Stern earned a BA degree, magna cum laude, from Harvard College and a JD degree from Yale Law School.

Cameron Stevens, C.E.O. & Co-Founder, Prodigy Finance


Cameron Stevens is the CEO and co-founder of Prodigy Finance, a community based higher education loan marketplace, which enables investors to earn a financial and social return through funding high potential individuals from around the world at leading business schools. Cameron is a serial entrepreneur with a special focus on social entrepreneurship and early stage technology investing. He previously co-founded a corporate advisory firm in South East Asia, which successfully listed a technology company on the Malaysian Stock Exchange. During university in South Africa, he founded a 30-person staffing company in the events industry, which focused on upskilling the unemployed. What Cameron enjoys most about working in a start up environment is the immediate and daily impact one can have on the future of the business. In his personal capacity, Cameron is a chilli fiend, street food aficionado, bookworm, planespotter and relentless traveller. B.Bus.Sci. (Finance Hons), University of Cape Town and MBA, INSEAD.

Jeff Stewart, Founder & C.E.O., Lenddo


Jeff Stewart is a serial entrepreneur, inventor and investor specializing in internet-enabled growth businesses. He is the founder and CEO of Lenddo, the world’s first online community that empowers the emerging class to use their online social connections to build their creditworthiness and access local financial services. Lenddo enables businesses to simply and securely evaluate both the character and identity of customers using alternative data in order to extend credit and deliver life improving services. Mr. Stewart is also founder, former CEO and current chairman of Mimeo.com, a state-of-the-art, Internet-based document production service included in the 2004 and 2005 Inc. 500 lists of the fastest growing companies, the 2005 Red Herring 100 list of private companies that drive technology, and Deloitte’s Technology Fast 500. In 2014, he was recognized as the William F. Glaser Rensselaer Entrepreneur of the Year.

John Sun, Co-Founder & Chief Credit Officer, Avant


John Sun is co-founder and Chief Credit Officer at Avant, a company offering a unique and highly customized approach to the personal loan process, completely online. John leads the team that uses advanced algorithms and machine-learning capabilities to power that customized approach. After securing more than $1 billion in funding, Avant was the most funded company in Chicago in 2014. The company has issued more than 150,000 loans operating in 46 U.S. states and in the United Kingdom. Previous to Avant, John’s career focused on consumer finance in various roles. As a part of Y-Combinator, John and his team launched a personal debt management tool for sub-prime customers. The company allowed customers to manage debt, negotiate with creditors and formulate a plan for repayment. John also worked in various roles across Enova International, the e-commerce segment of Cash America (CSH), including analytics and online retail finance.

Richard Swart, Alternative Finance Scholar, UC Berkeley

The Inevitable Rise of Crowdfunding | Real Estate FinTech Track, April 15, 9:45 am

Dr. Richard Swart is recognized as the global thought leader in the crowdfunding industry among academics and policy experts. Richard is a founding board member of the Crowdfunding Professional Association (CfPA), the Crowdfunding Intermediary Regulatory Advocates (CIFRA), and an early leader in the field. Richard co-organized the first major national conference on crowdfunding and coordinated several educational events on the JOBS Act throughout the United States for the White House. As a research scholar in the Institute for Business & Social Innovation in the Haas School of Business, he is the University’s resident expert on crowdfunding and evolving models of alternative finance. He also organized the Annual Academic Symposium on Crowdfunding Research. He currently advises the Bill and Melinda Gates Foundation, and works with several other prominent foundations, think tanks, funds and corporations. He is co-author of the forthcoming book Crowdfunding: The Corporate Era, being published in June 2015.

Greg Symons, Co-Founder, SocietyOne


A driven lifetime entrepreneur, Greg has been highly focused in business start-ups in the financial technology space. In 2000 Greg pioneered online retail lending in New Zealand. Building on this technology platform Greg continued to architect and develop the platform into a comprehensive banking solution with licenses to a number of banks and finance companies in South Africa, The Netherlands, New Zealand and Australia. In 2004 Greg leveraged the platform and his industry experience to launch a direct consumer finance company. Greg exited the business in 2007 and founded ClearMatch™ with a laser focus on re-architecting the platform for peer-to-peer lending. After an extensive redevelopment of ClearMatch™, Greg co-founded SocietyOne in Australia in 2011 as the then CEO. More recently as SocietyOne increases its operating talent, Greg’s focus has shifted back to ClearMatch™ and its wider application in the global Marketplace Lending industry including broadening his investments in the industry itself.

Speakers


Speakers

Shangxuan Tan, C.E.O., OverseaCrowd

NextGen Chinese Business Models | China Pavilion, April 15, 3:15 pm

Mr. Shangxuan Tan is the founder and CEO of OverseaCrowd, a crowdfunding platform that revolutionizes overseas real estate investment for Chinese investors. Focusing on high cash-flow real estate projects such as student housing and retail commercial buildings, OverseaCrowd seamlessly integrates the crowdfunding model with Chinese outbound real estate investment. The launch of OverseaCrowd in 2014 was met with immediate enthusiasm from Chinese investors and high-net-worth individuals alike. The platform surpassed the $10 million project financing milestone in the first quarter of 2015, within months of its launch. OverseaCrowd is currently working with AXA, one of the largest insurance companies in the world, to launch its second product this May. With its traction, OverseaCrowd is well situated to become the nexus that interconnects Chinese investors with the global investment and prime service markets. Prior to OverseaCrowd, Shangxuan founded United Asset Growth (UAG), a workshop that introduces U.S. real estate market to Chinese investors and provides wealth management services. Shangxuan holds a B.A.degree from Dickinson College.

Ning Tang, Founder & C.E.O., CreditEase

State of the Union Address for the Chinese P2P Market | China Pavilion, April 14, 11:55 am


Mr. Ning Tang is the founder and CEO of CreditEase — the largest P2P company in the world and the first one in China. In 2006, recognizing the contribution that the 60 million small and micro enterprises make to the Chinese economy, and inspired by the fledgling microfinance sectors in other developing economies, Mr.Ning Tang established CreditEase. The philosophy behind the business was and remains today that everyone deserves access to credit, and that credit can generate value for all sectors of the community. This guiding philosophy has under-pinned the growth of the business from a single product business in 2006, to today’s diversified financial services business, and the core of the business remains focused on those sectors of the community who find it difficult to access the formal (bank) credit sectors. Mr.Ning Tang was educated at the School of Mathematical Sciences at Peking University, and continued his education in the field of Economics in the U.S. He began his career at DLJ Investment Bank on Wall Street, where he worked in a range of debt and equity capital markets roles, working on IPOs, bond issues and mergers for companies in the fields of finance, telecom, media and technology. He returned to Beijing and joined AsiaInfo in 2000.

Heath Terry, Equity Research Analyst, Goldman Sachs

Moderator: Consumer Lending: The Quest For Scale | Main Track, April 14, 9:50 am

Heath is an equity research analyst leading the firm’s coverage on the Internet sector. He joined Goldman Sachs as a managing director in November 2011. Prior to joining the firm, Heath worked at Canaccord Genuity and FBR Capital Markets. Previously, he served as the director of Global Media and Internet Equity Research at Credit Suisse. Before joining Credit Suisse in 1999, Heath spent three years in international equity sales and trading with Merrill Lynch. Heath earned an MBA from Columbia Business School and a Bachelor of Science in Finance from the University of Alabama. He also holds the Chartered Financial Analyst designation.

Denise Thomas, C.E.O., ApplePie Capital


Denise founded ApplePie Capital to create a new, more efficient source of capital for franchise businesses. As CEO and Chairman, she oversees all aspects of the company. Denise has more than 20 years of executive leadership experience in business and market strategy development. Her public and private company expertise spans the financial services, technology, healthcare, hospitality and online services industries, and she has led companies backed by leading venture capital firms, including Kleiner Perkins, Mohr Davidow and Sequoia Capital. Denise has founded three other companies, and held executive and management positions with SharesPost, Healthiest You, Navigenics, LesConcierges, OffRoad Capital, Onyx Microcomputer, Post Communications, Kao Infosystems, and National Semiconductor. She has been a guest lecturer at both the Stanford Graduate School of Business and the Haas School of Business, University of California Berkeley.

Ben Thypin, Managing Partner, Progress Group LLC

Moderator: Real Estate Data & Technology | Real Estate FinTech Track, April 15, 5:20 pm

Ben Carlos Thypin is Managing Partner of Progress Group LLC, a data driven real estate investment firm. Prior to founding Progress Group LLC, Ben was Director of Market Analysis at Real Capital Analytics (“RCA”), where he built RCA’s debt and distressed asset databases and provided insights to RCA’s institutional clients and the press. Additionally, Ben is a private investor in Real Estate technology companies including Compstak & Realty Shares. Lastly, Ben is part of a real estate family office that manages a large portfolio concentrated in the Northeast Corridor. Prior to working for RCA, Ben held positions at Toll Brothers, Plaza Construction & LCOR. Ben earned a BS from Cornell University’s School of Hospitality Administration.

Daniel Tilipman, President & Co-Founder, National Debt Relief

Building the Back Office: Declines | Pre-Conference Workshops, April 13, 1:40 pm


Daniel Tilipman is President and Co-Founder of National Debt Relief (NDR), a financial services company providing debt relief solutions to consumers that are in distress. Founded in 2009, NDR has evolved as an industry leader in the debt relief space. Daniel’s vision in continuing to improve NDR’s customer service, sustainability, marketability, and profitability all stem from a passion of researching, identifying, and capitalizing on consumer needs. NDR’s growth in the debt relief sector catapulted in the last 24 months through strategic marketing initiatives, meeting demand of rapid and exponential growth by ramping up staff to 450+ employees. By promoting a consumer first approach with a dynamic passion for a positive and free thinking office culture, Daniel helped mold NDR’s values of progressive sustainability and financial awareness. With a 15 year career in setting strategic direction through developing software and technology solutions to help capture optimized workflows, a redefined vision in staff onboarding from initial training to placement and mentorship programs which promote advancement and opportunity, Daniel’s execution has been clearly defined with the successful growth and development of NDR.

Joseph L. Toms, President, Freedom Financial Asset Management


Mr. Toms is the President of Freedom Financial Asset Management, a subsidiary of the Freedom Financial Network. Freedom specializes in unsecured consumer lending to prime, near-prime and sub-prime consumers deploying a robust hybrid underwriting approach combining credit data with personal interview underwriting. Freedom believes its unique set of resources provide it distinct advantages in underwriting consumer loans throughout a full economic cycle. Prior to Freedom, Mr. Toms was the only C-Level executive to have worked for both primary P2P platforms, Lending Club and Prosper. At Lending Club he was responsible for creating the company’s investment subsidiary, LC Advisors and subsequently became President of Prosper Funding LLC. Prior to his direct lending experience he spent 25 years in asset management working for U.S. and European institutional accounts managing a variety of different investment products. His career started in 1985 at Fisher Investments (a $50 billion dollar equity manager) where he was one of the original employees and Director of Research. He was the founder and Managing Principal of Hilspen Capital Partners a long/short equity hedge fund and research boutique, served as a Director for RAB Capital Funds and was President and CIO of Compass Global Advisors, a $2 billion dollar Fund of Fund.

Speakers


Speakers

Pärtel Tomberg, Founder & C.E.O., Bondora


Pärtel is an experienced entrepreneur and consultant. Before founding Bondora, Pärtel was the logistics and development manager of Quelle, largest distance retailer in the Baltic countries, launching and managing various business initiatives in Baltic countries, Central Europe and in Western Europe. His last project included outsourcing the processes of his department of 60 people to Czech Republic. During this time Pärtel was nominated as a finalist twice for his work with ‘Logistics accomplishment of the year’. Pärtel has additionally provided consultancy for Itella Corporation’s SmartPOST and sat on the committee of Europe’s largest entrepreneurs’ society - Oxford Entrepreneurs. In different positions he has partnered with large retailers such as NEXT and Shop Direct of UK, OTTO and Quelle from Germany, and Red Cats from France. Pärtel has held the position of business development executive at the largest privately held distance sales company in Nordic and Eastern Europe - Halens AB. Pärtel is one of the authors of the Logistics Handbook published by Bonnier Group. Pärtel holds BA (Hons) from the Oxford Brooks University.

Phin Upham, Principal, Thiel Capital


Phin Upham is a Principal at Thiel Capital, Peter Thiel’s family office, where he leads private investments. Previously he worked at Morgan Stanley in the Investment Banking Division and as a journalist at National Post/UPI. Phin has an MBA and PhD from Wharton Business School, University of Pennsylvania and a BA from Harvard University. He has been a Visiting Scholar at Columbia Business School and NYU Department of Economics. Phin is a Term Member of the Council on Foreign Relations.

Jason van den Brand, Co-Founder & C.E.O., Lenda


Jason is the co-founder and CEO of Lenda, which automates the home refinance process by cutting out middlemen, and eliminating telemarketing and paperwork. This ultimately leads to a faster process at a fraction of the cost and stems from a passion for integrating tomorrow’s technologies into mortgage lending to better serve homeowners nationwide. Holding a Finance degree from Penn State and having over 11 years of Mortgage, Real Estate and Financial Investment experience, he is an expert in combining his talents in making the best decisions for clients. Jason loves all things Tech, Mortgage Technology, Virtual Businesses, Lean Start-ups, and thinking day-in, day-out about what the future holds.

Liezl Van Riper, Director of Development - East Coast, Kiva


Liezl Van Riper is a partnership development professional with 15 years’ experience with award-winning international non-profits and social enterprises. She serves as Kiva’s Director of Business Development, and is responsible for creating and expanding innovative fundraising and loan-raising partnerships with foundations, corporations and individuals. An important focus of her role is expanding Kiva Zip across the U.S., a pilot program launched by Kiva.org to drive innovations in person-to-person lending. Zip provides 0% interest loans up to $5K-$10K for small businesses and entrepreneurs who are financially excluded and underserved. These loans are ‘crowd-funded’ by individual lenders on the Kiva Zip website, connecting entrepreneurs with dozens of lenders who can be potential brand ambassadors and customers to their business. Prior to Kiva, Liezl was the Director of Development for KickStart, a social enterprise NGO that enables smallholder farmers in sub Saharan Africa to significantly increase income through sustainable irrigation. She was also the Director of Corporate & Strategic Initiatives at the International AIDS Vaccine Initiative (IAVI), where she established their Corporate Partnerships program with a focus on the pharmaceutical sector. Liezl lives in New York City, hails from Southern California and graduated with honors from the University of California, Irvine.

Tim VanTassel, General Manager of Credit Lifecycle Line of Business, FICO


Tim VanTassel is a Vice President at FICO and the General Manager of FICO’s Credit Lifecycle Line of Business (LoB), a $240M+ annual business currently growing in the high single digits in a mature market. His role spans Sales, Marketing, and Services oversight for Originations, Customer Management, Collections and Recovery, and related Applied Optimization and Customer Contact Services (CCS) offerings. He leverages and cultivates a team of 30+ domain specialists and industry experts. Tim has been with FICO for eight years and brings 17 years of banking software and applied analytics experience having worked extensively in consulting with a focus on mortgage lending and automated underwriting prior to joining FICO. Tim started his technology career with Accenture’s west coast financial services practice. He has been published on topics such as rules engine usage and ensuring project ROI and is a frequent speaker at FICO, industry, and client events. Tim holds a bachelor’s degree in Finance from Miami University. Tim is based in the Chicago area where he enjoys cross country skiing and cycling with his wife and daughter.

James Varga, C.E.O., miiCardBuilding on Online Lending Platform: Identity & FraudPre-Conference Workshops, April 13, 1:00 pm

James Varga is the Founder and CEO of miiCard (My Internet Identity), the first Identity Service that can accurately prove a user’s true identity purely online. As a veteran technology executive, James developed and patented miiCard’s Bring Your Own Identity platform in response to what he recognized as a fundamental lack of trust online. With miiCard, he has created a proven layer of trust and assurance in identity that will enable consumers, businesses and governments to interact and transact with complete confidence online. Over his more than 20-year career in technology, James has held a number of senior level positions in marketing, technology and management roles. Most recently, he served as a co-founder and director of Money Dashboard, the UK’s leading personal finance management tool. He also created beblu, the first mini-component computer system designed for the living room; led a knowledge assessment service; a digital agency for websites and financial service applications named lightershade; and founded Squarepeg, an eBusiness consultancy specializing in CRM and sales management. Passionate about the digital economy and the Online Identity space, James is also an active member of The Open Identity Exchange, The Respect Network and a board member of Trust in Digital Life responsible for SME engagement. James studied Marketing and Business in his hometown of Vancouver, Canada and is now based with miiCard in Edinburgh, Scotland.

Aaron Vermut, Chief Executive Officer, Prosper Marketplace


Aaron Vermut is CEO of Prosper Marketplace, a leading online marketplace for consumer credit. Before joining Prosper in early 2013, Aaron was Managing Director, Co-head of Prime Services at Wells Fargo Prime Services, LLC (formerly Merlin Securities, LLC). He was a founder and Managing Partner at Merlin Securities, as well as on the Board of Directors and chairman of Merlin Canada Ltd. until its acquisition by Wells Fargo Securities in 2012. Prior to Merlin Securities, Aaron held roles as a Principal at New Enterprise Associates, and as a Senior Consultant at Cambridge Technology Partners. Aaron has an M.B.A. in Finance from The Wharton School, University of Pennsylvania and a B.A. in History and German Literature from Washington University in St. Louis.

Dan Vetter, President & Co-Founder, Money360


Dan serves as President and Co-founder of Money360, responsible for developing and executing the company’s strategy. Prior to joining Money360, Dan worked for PIMCO, the largest bond manager in the world with $2 trillion of assets under management. Dan oversaw $15 billion in managed assets across a wide range of investment strategies, advising institutional clients with respect to their residential and commercial mortgage allocations. Prior to joining PIMCO, Dan worked for several years on Wall Street in various roles ranging from sell-side research to investment banking. Dan earned a Master of Business Administration degree from Harvard Business School, where his coursework emphasized commercial real estate valuation and finance. Dan also earned a Master of Public Policy degree from Harvard Kennedy School of Government, a Master of Accountancy degree from Brigham Young University, and a Bachelor of Science degree in Accounting, also from Brigham Young University. Dan holds a CFA charter and holds FINRA Series 3, 7, 63, 66, and 87 securities licenses.

Speakers


Speakers

James Viceconte, Portfolio Manager, AllianceBerstein


James Viceconte is a Managing Director and Portfolio Manager of the Global Opportunistic Finance Strategy. Prior to joining AllianceBernstein in 2013, he was partner in GMG Investment Advisors, an emerging market–focused credit fund managing a range of secured and unsecured investment strategies. Before that, Mr. Viceconte was a managing director at Citigroup and its predecessor firms, where he was in charge of principal investment strategies in the Special Situations Group for all non-mortgage consumer assets in the US and all consumer and small commercial receivables in Latin America. At its predecessor firm, Salomon Brothers Inc, he began his tenure managing various non-agency mortgage and ABS trading books and ultimately expanded the scope of his responsibilities into secured-asset strategies in Asia, Europe and Latin America. Mr. Viceconte began his career in the US mortgage and asset-backed markets at JP Morgan and then at First Bank System Mortgage Corp. in their capital markets group. Mr. Viceconte holds a BS from Fordham University’s Gabelli School of Business and an MBA from the University of Chicago’s Booth School of Business.

Stephen Vogel, Managing General Partner, Vogel Partners


Stephen Vogel was the CEO of Grameen America from its beginning and grew the organization into the largest, fastest growing not for profit micro lender in the United States. Prior to that he was the founder and CEO of Synergy Gas Corp. the he grew from a start up energy company into the 4th largest national propane distribution company. From its first customer until the company was serving over 250,000 customers, he was involved with operations, financials, governance, team building and strategic vision and implementation. He has over 30 years of experience growing and building start up businesses into industry leaders. His strength as a role model and mentor has given him the ability to train encourage and create successful individuals who learn from his work ethic, high values and integrity. Through his example of high confidence, commitment, creativity, positive attitude, delegation and mentoring, he has built organizations of outstanding individuals that can solve problems and create value. He has inspired his team to embrace his vision of growth even when the organizations were fledgling. He not only has the ability to set goals, but to achieve them. He is comfortable interacting with the top 1% as well as the bottom 1% and that has made him an extremely effective and accomplished leader. November 2008- January 2014 Grameen America Inc. CEO, not for profit micro finance institution. January 1996-Present. Vogel Partners LLP. General Partner, private equity firm. June 1971-December 1995 Synergy Gas Corp. Founder and CEO, a small start up retail propane distribution and marketing company that became the largest privately held and the 4th largest national company. Growth was both organic and through a series of over 50 acquisitions. Syracuse University College of Business-BS 1971. Board Experience: Netspend Inc. (Nasdaq: NTSP) Governance and Nominating Committee Chair and Audit Committee. Board member of National Propane Gas Association until 1995. Board member of Montefiore Medical Center-Executive committee, Finance committee and development committee. Children’s Hospital at Montefiore. Board member of Lighthouse International- Executive committee, finance committee, Investment committee. Board member of National Academy Museum and School- Executive Committee, Finance and audit committee.

Rich Walker, Chief Marketing Officer, Datamyx


Rich Walker serves as Chief Marketing Officer and head of the Alternative Finance vertical for Datamyx. He leads all marketing functions, as well as leads the company’s Prescreen Advisory Services, aimed at helping clients navigate the complex compliance and regulatory environment. Prior to joining Datamyx, Rich led the financial service practice at strategy consulting firm Winterberry Group. Before joining Winterberry, Rich served in various executive roles at Capital One, where he led marketing operations, marketing strategy and collections operations for the US Card division. Rich has experience in the design, development, and deployment of many prospect databases, through his marketing roles with Capital One, Signet, First Union, and Metris Companies. Rich holds a B.A. in Mathematics from the University of Virginia.

Amy Wang, Product Manager, Credit Karma

Borrower Side Technology | Pre-Conference Workshops, April 13, 4:10 pm

Amy Wang is a Product Manager at Credit Karma where she focuses on the consumer, student, and business loan verticals. Prior to Credit Karma, Amy was an early team member at Raiseworks where she managed finance, operations, and the development of its small business originations and underwriting platform. Before joining Raiseworks, Amy was a Senior Analyst at Prudential Capital Group where she helped originate and underwrite private placement debt for large middle-market companies. She graduated from the University of California, Berkeley with a B.S. in Business Administration.

Sandy Wang, General Manager, Analytics & Advisors, FICO


Recognized by her clients both in the U.S. and China as a world class expert and trusted advisor, Sandy’s expertise in risk management, portfolio management and advanced analytics had driven valuable growth for many clients. At FICO, Sandy is responsible for China’s analytics and advisory business, including solution design, project delivery, servicing and assisting for sales and marketing. She works closely with the China P2P sector promoting risk management principles by leveraging FICO Alternative Lending Platform and other FICO solutions. Prior joining FICO, Sandy was the cofounder of the big data consulting company for China UnionPay, the Chinese card association. Leveraging data of CUP’s annual 13Billion card transactions, Sandy and team created unprecedented big data analytics for Chinese market and led the company to be profitable shortly after established. Prior to CUP, as portfolio CRO Sandy managed JPM Chase’s $25Billion T&E portfolio which had voted to be the most profitable portfolios in the U.S.. Under her management, many prestigious clients such as Southwest and United Airlines had extent exclusive contracts with JPM Chase. Sandy had also worked in Bank of America as VP of risk and GE as Sr. manager of advanced marketing analytics. In her total 16 years of distinguished career, Sandy has developed world class expertise in analytics and strategy, in risk management and marketing and portfolio management, in sales and delivery and executive leadership. Sandy has a MIS degree from Penn State University. She is the cofounder for AppreShare Capital hedge fund, Board member for Philadelphia New Mainstream Press Inc. and Member of the writers’ association of her hometown Heilongjiang province.

Zane Wang, PhD, Founder & C.E.O., China Rapid Finance


Zane Wang, PhD founded China Rapid Finance in 2001. Today, the company is a leader in Chinese marketplace lending and credit decisioning, and is the largest platform for unsecured lending to Chinese consumers over mobile devices. Earlier in his career, Dr. Wang worked in the United States and served as the head of analytics for Sears Credit, the world’s largest retail credit portfolio. Upon returning to China, Dr. Wang advised China’s central bank on creating a national credit bureau and the first functioning credit bureau in Shanghai. Among Dr. Wang’s many “firsts” in the Chinese consumer credit market include introduction of the first:• Credit application decisioning system for Bank of China• Credit behavior decisioning system for Guangdong development bank• Pre-approved consumer credit customer acquisition campaign over Tencent’s mobile QQ platform Through its own distribution channels and partnerships with technology leaders, China Rapid Finance brings credit access opportunities to a broad group of Chinese consumers – many of whom are accessing credit for the first time. Dr. Wang is the head of the P2P Division of the China Association of Microfinance. He has advised PBOC and State Counsel on regulation of the P2P Industry and is the author of the only P2P Self-Regulated Agreement in China and the only P2P Industry Entry Standard Document approved by the local Chinese government.

Speakers


Speakers

David Weiden, Partner, Khosla Ventures

Emerging Markets Venture Capital in FinTech | China Pavilion, April 14, 2:05 pm

David Weiden is a general partner at Khosla Ventures, where he focuses on mobile, Internet and enterprise services investments. A number of his investments have led to significant acquisitions or achieved initial public offerings and he has been recognized as a top investor by Fortune and Forbes.

Timothy D. Welsh, President, C.E.O. & Founder, Nexus StrategyModerator: The Financial Advisor’s Approach to Marketplace LendingTrack 2, April 14, 11:05 am

Timothy D. Welsh, CFP® is President, CEO and founder of Nexus Strategy, LLC, a leading consulting firm to the wealth management industry. Nexus Strategy’s primary focus is working with leading financial services and technology firms to distribute products and services through the advisor channel. Prior to founding Nexus Strategy, Tim was Director of Business Consulting Services for Schwab Advisor Services where he led the development and marketing of practice management resources for independent advisors. While at Schwab, Tim also held senior roles in Strategy, Marketing, Advertising, PR and Industry Content development. Prior to joining Schwab, Tim was vice president at Merrill Lynch where he was responsible for marketing, product development and financial advisor training for the financial planning group. Tim earned a bachelor’s degree in Economics from the University of California, Berkeley and an MBA in Finance from the University of Colorado. Tim holds the Certified Financial Planner, CFP® designation and is an active member of the Financial Planning Association (FPA), serving in a leadership role on a number of task forces, committees and as a past elected member of the National Board of Directors.

Julia Wooding, Principal Consultant - Scores and Analytics, FICOFICO’s Credit Boot Camp for Alternative LendingPre-Conference Workshops, April 13, 1:00 pm

Julie Wooding is a Principal Consultant in the Scores group, and has been with FICO since 1993. She works with larger lenders in the U.S. and Canada to help them understand, use, and evaluate our FICO® Score solutions. In addition, Julie provides in-depth credit scoring training to regulators and lenders, most recently in the U.S., Canada, Russia, Mexico, Romania, and the Philippines. Julie has experience in behavior and risk score development, and previously worked on the development of FICO® Scores for U.S. and Canadian credit bureaus. In her 21+ years at FICO, Julie also served as a strategy consultant, a role in which she worked with clients to develop, evaluate, and continuously improve their account management strategies. Julie holds a B.S. in Finance and an M.B.A. degree.

Daniel Wu, General Manager, Tencent Tenpay



As General Manager of Tencent Credit Bureau, Daniel brings over years of experience in commercial credit bureaus and consulting services. Prior to that, Daniel worked in Boston Consulting Group serving globally for financial institution clients in the China, Hong Kong, Europe and Mideast. Prior to Boston Consulting Group, Daniel worked for Discover Financial Services as a Senior Risk Manager. He’s also been working as optimization modeler at ExxonMobil before he joined Cognizant’s sales force consulting arm. Daniel holds a Ph.D. degree in Operations Research and M.S. degree in Computer Science from Rutgers University. He began his education in Tsinghua University and received two B.S. degrees in Engineering and Economics. Daniel is also a Financial Risk Manager (FRM).

Wu Xianyong, C.E.O., Touna.com

Innovation in Auto Finance in China & the U.S. | China Pavilion, April 15, 2:05 pm

I am the CEO of Touna.com, a platform that focuses on connecting Chinese investors with car loan companies via our website. We now have 28 offline stores and 1800 employees. Since the establishment of Touna.com, we maintain one of the best risk management records in the industry: 700 million USD’s turnover with a bad debt rate of only 0.95%. Our company is particularly good at analysing the potential risks for Auto Lending and has development our own risk management system in this area. My vision is to build a sustainable and responsible P2P platform in this niche market and I would be very grateful if I could share this vision with LendIt.

Jin Xu, Co-Founder & Partner, SyncUS

Moderator: NextGen Chinese Business Models | China Pavilion, April 15, 3:15 pm

As a true international talent, Jin spent his first twenty years in China. After earning an economics degree in Fudan University, one of the best universities in China, he was offered a full scholarship by the University of Chicago where he obtained two master degrees, one in Statistics and the other in Sociology. Afterwards, though his tutor offered him a place for a Ph.D in the university, Jin decided to pursue his career in finance industry. He joined Capital One with acquisition risk management role as his first job. After that he spent some time in Enova financial, taking charge of payday loan product design and analytics. Then he worked in Discover Financial Services and focus on prime card business, personal loan, and cross-sell products for another two years. With abundant working experience in the area of risk management, and more importantly an international perspective, Jin co-founded SyncUS International. The firm aims towards providing professional business services to Chinese entrepreneurs, investors and industry leading professionals, helping them to build solid business connections in the US and establish long-term and win-win collaborations with the US companies. Under his leadership, SyncUS is growing prosperously.

Liu Yao, Co-Founder & VP, Marketing & Public Relations, NiWoDai


Co-Founder, Shanghai Jiayin Financial Services Co., Ltd (Niwodai.com)EMBA, Guanghua School of Management, Peking UniversityMBA, Shanghai Jiao Tong UniversityDirector, Shanghai Jiao Tong University An’Tai MBA alumni associationVice President, Investment club of Shanghai Jiao Tong Unicersity Antai MBAIn 2012, Liu Yao joined the brand new start-up team of Niwodai. With the development of company, she makes an outstanding contribution to management of wealth investment, resources integration and administration. Now she is partner of the company and is also VP of marketing and Public Relation.

Zhen Yao, Director of Scores and Analytics, FICO

Risk Management of Online Lending in the U.S. & China | China Pavilion, April 14, 1:35 pm

Zhen Yao, currently the principal consultant/Director of Scores and Analytics at FICO, had more than 13 years of working experience with multi-national financial firms in the US. Before joining FICO, Zhen worked for Capital One. His area of focus was the modeling using credit bureau data, credit bureau data management and internal consulting, and bureau data analytics. Zhen was highly regarded as the credit data subject matter expert within Capital One. Zhen’s working experiences in the US included HSBC North America and American Express as well. He was the risk infrastructure Vice President within HSBC and manager of Risk modeling at American Express. Zhen held bachelor degree from Peking University and earned a master degree from University of Minnesota Carlson School of Business. His current responsibility is FICO Scores’ business opportunities in the international market, particularly in China. Zhen’s experiences are well positioned to serve the consumer and small business banking, alternative lending, and emerging credit bureau business in China..


Speakers

For50years,we’ve measured success just oneway:

Weonlywinwhen our clientswin.There was a time when investment bankers were trusted partners and advisors to their clients. Thegoal was simple: relentlessly commit to your clients; be hardworking and humble; stay unconflicted in your work and uncompromising in your values. The rest will take care of itself.

Our success proves there’s still room in the world for a firm that embraces an approach that has stoodthe test of time: Clients First–Always.SM

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INVESTMENT BANKING | EQUITIES | FIXED INCOME | FUTURES | WEALTH MANAGEMENT | JEFFERIES.COM

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Stephanie Yeh, Director: Investment Bank Division, Credit Suisse


Stephanie Yeh is a Director of Credit Suisse in the Investment Bank division, based in New York. She is the in the Consumer and Commercial Asset Finance group, responsible for origination and structuring of financing for a range of assets, including auto loans, unsecured consumer loans, equipment leases and small business loans. Stephanie joined Credit Suisse in April 2014 from Goldman Sachs where she was a Vice President in the Structured Finance group. Stephanie holds a B.S. in Electrical Engineer and Computer Science from the Massachusetts Institute of Technology.

Meg Zwick, Senior Vice President, Millennium Trust Company


As Director of Alternative Custody Services, Ms. Zwick focuses on relationship management and creating innovative business solutions for Millennium Trust’s alternative asset clients. In addition to managing institutional and individual client service groups, Meg plays a critical role in improving operations for existing processes and services as well as in helping to design or customize solutions for unique custody situations, such as peer-to-peer lending. Ms. Zwick has over 27 years of significant experience in the financial services industry with a strong securities, operational and client service background. Prior to joining Millennium, she held a senior project analyst role in the Investment Management Department at William Blair & Company. In addition, Ms. Zwick held senior management positions with IAC Securities and Stein Roe Mutual Funds. Ms. Zwick has a bachelor’s degree in accounting from Miami University in Oxford, OH.


EXPERIENCEHAS ITS BENEFITS

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With over 13 years of experience, AmeriMerchant is a leading marketplace lender that leverages the power of technology to provide working capital solutions to businesses all over the world.

● Have provided hundreds of millions of dollars globally

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www.amerimerchant.com

[email protected]

Get the Robot on Your SideLendingRobot Autopilot is the fully automated solution for Wealth Managers & Family Offices

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Superior Returns ?!?Yes, but investing in marketplace lending is complicated, competitive, and time consuming.


ExhibitorsStart-up Zone

Strategic Partners


Title Sponsor

Lending Club Level 5 | Booth 300Level 7 | Gotham & Chelsea

Lending Club (NYSE: LC) is the world’s largest online marketplace connecting borrowers and investors. The company’s mission is to transform the banking system to make credit more affordable and investing more rewarding and help people achieve their financial goals. Lending Club operates at a lower cost than traditional banks and passes the savings on to borrowers in the form of lower rates and to investors in the form of attractive risk adjusted returns. Since launching in 2007, the company has built a trusted brand with a track record of delivering exceptional value and satisfaction to both borrowers and investors. Lending Club has been recognized as a leader for growth and innovation; the company’s been named to the CNBC Disruptor, Inc. 500, and Forbes’ America’s Most Promising Companies lists. Lending Club was awarded the 2014 Economist Innovation Award in consumer products.

Platinum Sponsors

Avant Level 5 | Booth 206Level 7 | Hudson

Avant is an online lending platform that is changing the way consumers obtain credit. Utilizing big data and machine-learning algorithms, the company offers a unique and highly customized approach to streamlined credit options. At its core, Avant is a tech company that is dedicated to creating innovative and practical financial products for all consumers. After securing more than $1 billion in funding, Avant was the most funded company in Chicago in 2014. More than 150,000 loans have been issued through the Avant website. Avant has been featured in publications such as Wall Street Journal, The New York Times, TechCrunch, Fortune, Bloomberg and Crain’s Chicago Business and was named to Forbes America’s Most Promising Companies list for 2015. Avant operates in 46 U.S. states and in the United Kingdom. Find out more at www.avant.com.

Funding Circle Level 5 | Booth 404Level 7 | Columbia

We’re building a better financial world. Funding Circle was created with a big idea: to revolutionize the antiquated banking system and secure a better deal for everyone. Thousands of loans later, we’ve helped businesses grow, investors prosper and the economy flourish. And we’ve taken this progress global. Funding Circle is now the world’s leading online marketplace lender exclusively focused on small business.Funding Circle in the U.S.What makes us different? Our roots are in small business. Our U.S. founders, Sam Hodges and Alex Tonelli, started Funding Circle because they were small business owners themselves; they had experienced first-hand how hard it is to access finance, even when you have a successful business that’s well along its way. After opening their 96th loan rejection letter, they realized something was wrong. The traditional bank loan system was broken. So, they set out to build a better solution for American small business owners. We’re now serving the millions of American small businesses who the banks have left behind. Since we were founded in 2010, we have lent $800 million globally to small business owners to help them grow their businesses.

GLI Finance Limited Level 5 | Booth 114

GLI Finance Limited (GLIF) is a Guernsey-domiciled loan company listed on the AIM market of the London Stock Exchange (ticker GLIF). The company’s objective is to produce a stable and predictable dividend yield, with long term preservation of net asset value. GLIF is a specialist provider of finance to small and medium sized enterprises (SMEs) investing in loans to SMEs and originates finance for SMEs through a variety of alternative finance platforms based in the US, UK and Europe.

Sponsors & Exhibitors Sponsors & Exhibitors

Platinum Sponsors

Prosper Marketplace Level 5 | Booth 104

Prosper is a leading peer-to-peer lending marketplace that connects people who want to invest money with people who want to borrow money. On Prosper.com, borrowers list loan requests between $2,000 and $35,000, and individual lenders invest as little as $25 in each loan listing they select. Over the past six years, more than $900,000,000 in personal loans have originated through the Prosper platform. The unsecured personal loans are used by Prosper borrowers for a variety of purposes including paying down high interest rate debt and helping with small business funding.

SoFi Level 5 | Booth 304Level 7 | Empire

SoFi is a leader in marketplace lending, with $2,000,000,000+ in loans issued. We help ambitious professionals accelerate their success with student loan refinancing, MBA loans, mortgages, and personal loans. Our nontraditional underwriting approach takes into account merit and employment history among other factors to provide unique financial and investment products. We offer individual and institutional investors the ability to create positive social impact on the communities they care about while earning compelling rates of return.

Gold Sponsors

9F Bank Level 7 | MP7

9F (9fbank.com) is a leading mobile internet financing platform in China. Founded in 2006, 9F is a peer to peer financing platform facilitates consumer micro-financing and personal micro-financing based on mobile Internet. In a recent competitiveness rank led by Institute of Finance and Banking at Chinese Academy of Social Sciences, 9F is the best 3 platforms in China.9F has established three unique competitive advantages:• Online to offline micro financing ecosystem• Boasts systematic financial innovation capability and incubation power in mobile Internet domain• Big data driven credit risk management and technology 9F has over 13 million registered users as of today. 9F manages risk of its investors through diversifying their investments into portfolios of small consumer loans with average amount of approximately USD 8,500, which is fully in line with Chinese government guideline for the emerging micro financing industry. 9F has also incubated several mobile internet based products and services including Wecash and Wukong Financing. In addition, 9F has created Chinese first user/fan based Internet financing business model. 9F puts the security and stability of its operations as top priority. By cooperating with People’s Bank of China (Head Office), it has set up a regular workshop for the research and development of Internet finance rating system. It also teams up with the Institute of Finance and Banking at Chinese Academy of Social Sciences (CASS) to jointly explore sustainable development model for Chinese Internet financing industry. In a word, 9F Inc. makes it simple (our slogan).

China Rapid Finance Level 7 | MP8

China Rapid Finance is a leader in marketplace lending and credit decisioning in China. With more than 4,000 employees and 70 branch offices, the company has one of the largest multi-channel offline and online lending platforms in China built upon proprietary advanced Big Data analytics technology, a proven track record in credit risk management, and a tradition of transparency and regulatory compliance. Through China Rapid Finance’s direct distribution channels as well as strategic partnerships with China’s technology leaders, such as Tencent, China Rapid Finance brings borrowing opportunities to a broad array of Chinese consumers – many of whom are accessing credit for the first time. In fact, earlier this year, China Rapid Finance extended pre-approved loan offers to 50 million pre-screened Chinese users of QQ, Tencent’s leading social networking platform. Founded in 2001 by CEO Zane Wang, PhD, China Rapid Finance has played a critical role in transforming the Chinese consumer credit market for more than a dozen years. China Rapid Finance’s home page is www.chinarapidfinance.com.



Gold Sponsors

CreditEase Level 5 | Booth 503 Level 7 | MP4

CreditEase is a leading comprehensive modern financial services company providing integrated business in wealth management, credit risk evaluation and management, credit data integration service, microfinance industry investment, microcredit loan advisory service and transaction promotion, as well as service platform for the philanthropic wealth management to help rural residents. CreditEase is the largest P2P company in the world with its powerful nationwide service network covering 182 cities and 62 rural locations to provide overall and personalized inclusive finance and wealth management services to clients. CreditEase was founded in 2006 and it is the first P2P company in China. CreditEase has helped tens of millions of small & micro entrepreneurs and hundreds of millions of poor farmers, and has originated over 10 billion USD in loans since founded. CreditEase’s service include to build their credit, release their credit value, and gain credit fund, as well as provided value-added services such as training to them.

Cross River Bank Level 5 | Booth 301Level 7 | MP1

Cross River Bank (CRB) was founded in 2008 at the crossroad of technology and banking. CRB has developed key strategic partnerships with financial technolgoy industry leaders over the past three years. As such CRB is well positioned to be at epicenter of the disintermediation phenomenon. CRB has built a fully compliant and integrated technology solution to cater to the online lending (including P2P) and payment processing arenas. CRB aims to align itself with the leaders of tomorrow and become the transaction bank of record for new entrants. CRB brings a deep industry knowledge, technology-based ease of process and a compliant, safe and sound platform to this rapidly emerging market, enabling new entrants and existing actors to focus strictly on their growth.

Jefferies Level 7 | MP9

Jefferies, the global investment banking firm, has served companies and investors for over 50 years. Headquartered in New York, with offices in over 30 cities around the world, the firm provides clients with capital markets and financial advisory services, institutional brokerage and securities research, as well as wealth management. The firm provides research and execution services in equity, fixed income, foreign exchange, futures and commodities markets, and a full range of investment banking services including underwriting, mergers and acquisitions, restructuring and recapitalization, and other advisory services, with all businesses operating in the Americas, Europe and Asia. Jefferies Group LLC is a wholly-owned subsidiary of Leucadia National Corporation (NYSE: LUK), a diversified holding company. Jefferies Group LLC’s principal operating subsidiaries are Jefferies LLC in the U.S., Jefferies International Limited in Europe and Jefferies Hong Kong Limited in Asia. Jefferies International Limited is authorized and regulated in the United Kingdom by the Financial Conduct Authority.

Lufax Level 5 | Booth 527Level 7 | MP10

Shanghai Lujiazui International Financial Asset Exchange Co., Ltd. (“Lufax”), a subsidiary of Ping An Group, operates China’s largest online peer lending marketplace, connecting investors with borrowers with great credit. Through its best-in-class technology, broad set of financial products and industry leading risk management techniques, Lufax has revolutionized the way individuals, companies and financial institutions in China lend and borrow money. Last year, total loan transactions on the Lufax grew 10 times in total volume over the year prior to more than US$43 billion. As of March 2015, Lufax has 7.5M registered members and nearly 500,000 active retail investors. For more information, please visit www.lufax.com

Gold Sponsors

National Debt Relief Level 5 | Booth 115Level 7 | Times Square

National Debt Relief is one of the country’s largest and one of the most reputable debt settlement companies. We are made up of energetic, smart & compassionate individuals who are passionate about helping thousands of Americans with debt relief. Most importantly we’re all about helping our customers through a tough financial time in their lives with education and individual customer service. We are dedicated to helping individuals and families rid their lives of burdensome debt. We specialize in debt settlement and have negotiated settlements for thousands of creditor and collection accounts. We provide our clients with both our expertise and our proven results. This means helping consumers in their time of hardship to get out of debt with the least possible cost. It can also mean conducting financial consultations, educating the consumer and recommending the appropriate solution. We become your number one advocate group to help you re-establish financial stability as quickly as possible. Our mission is focused on helping individuals achieve freedom from financial debt through debt settlement. We aim to provide our expertise to ensure that consumers are able to accomplish debt reduction with the least possible payment amount and term. It is also our intention to provide not just debt reduction services but also financial consultations and education to ensure that consumers who go through our care will continue to live a debt-free life. Our ultimate goal is to be the number one advocate of the Americans when it comes to re-establishing financial stability in the least amount of time and resources possible.

OnDeck Level 5 | Booth 308

OnDeck (NYSE: ONDK), a leading platform for small business loans, is committed to increasing Main Street’s access to capital. OnDeck uses advanced lending technology and analytics to assess creditworthiness based on actual operating performance and not solely on personal credit. The OnDeck Score®, the company’s proprietary small business credit scoring system, evaluates thousands of data points to deliver a credit decision rapidly and accurately. Small businesses can apply for a line of credit or term loan online in minutes, get a decision immediately and receive funds in as fast as the same day. OnDeck also partners with small business service providers, enabling them to connect their customers to OnDeck financing. OnDeck’s diversified loan funding strategy enables the company to fund small business loans from various credit facilities, securitization and the OnDeck MarketplaceTM, a platform that enables institutional investors to purchase small business loans originated by OnDeck. Since 2007, OnDeck has deployed more than $1.7 billion to more than 700 different industries in all 50 U.S. states, and also makes small business loans in Canada. The company has an A+ rating with the Better Business Bureau and operates the website BusinessLoans.com which provides credit education and information about small business financing. On December 17, 2014, OnDeck started trading on the New York Stock Exchange under the ticker ONDK. For more information, please visit www.ondeck.com and follow OnDeck on Twitter @OnDeckCapital.

Silver Sponsors

Argon Credit Level 5 | Booth 610

Argon is a decision engine based lending platform for prime and near-prime borrowers seeking instant access to online personal loans. Created as a data-driven reaction to traditional credit score driven lending models, Argon leverages sophisticated algorithms and cutting edge data analytics. Analyzing a vast array of prospective-borrow attributes in real-time results in a deeper analysis of our borrowers in less time. Pioneers of internet-based lending, Argon founders developed and implemented online mortgage origination platforms for major corporations and banks, starting in 2002. Argon’s decision-making engine enables consumers to receive decisions on loans in less than seconds. Advanced-level technology united with 20+ years of loan-industry experience create the backbone of Argon’s proprietary underwriting process. Come meet us in-person at LendIt Booth 610 in the Expo Hall and learn how Argon has solved the “skin in the game” dilemma for investors.



Silver Sponsors

CAN Capital Level 5 | Booth 603

CAN Capital, Inc., established in 1998, is the pioneer and market share leader in alternative small business finance, having provided access to over $4.5 billion in capital for tens of thousands of small businesses in a wide range of locations and different business types. As a technology-powered financial services provider, CAN Capital uses innovative and proprietary risk models combined with daily performance data to evaluate business performance and facilitate access to capital for entrepreneurs in a fast and efficient way. Its business evaluation model allows it to help small businesses qualify for more money than they could obtain elsewhere. CAN Capital makes capital available to businesses through its subsidiaries: Merchant Cash Advances by CAN Capital Merchant Services, Inc., and business loans through CAN Capital Asset Servicing, Inc. (CCAS). All business loans obtained through CCAS are made by WebBank, a Utah-chartered Industrial Bank, member FDIC. For more information, please visit: www.cancapital.com. Follow CAN Capital on Twitter and Facebook.

CircleBack Lending Level 5 | Booth 709

CircleBack Lending is an Internet-based credit and investment platform. The company disintermediates traditional bank distribution channels by leveraging technology and passing the savings along to its customers. As a result, CircleBack provides prime borrowers in the United States with an efficient and responsible way to take out loans at attractive fixed interest rates. At the same time, the company offers institutional investors the ability to purchase these loans, which offer predictable and competitive returns.

Citi Level 7 | MP6

Citi, the leading global bank, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. Additional information may be found at www.citigroup.com or www.citi.com.

Finexkap Level 5 | Booth 114

In France, short-term financing issues are responsible more than 25% of corporate bankruptcies. While, traditional solutions partially address companies’ needs, Finexkap provides an alternative source of working capital for companies. Bringing together SMEs and professional investors, Finexkap provides a unique approach to receivables financing in a highly secure environment. Finexkap offers a short-term funding platform with no volume or timeframe conditions. The service focuses on easy-to-use features — in just a few clicks, SMEs can sell their receivables and gain access to working capital financing with competitive advantages compared to traditional factoring services:• No commitment, with respect to duration or minimum volume• No guarantee, no warranty or mortgage• No paperwork, the whole process is 100% online• Low cost, from 2,49% of the face value of the receivableFinexkap is based on an innovative financial securitisation structure. In practice, this issuance of securitized paper is carried out by Finexkap’s subsidiary, Finexkap AM, which holds an alternative investment fund manager license from the French Financial Markets Authority.

Silver Sponsors

LiftForward Level 5 | Booth 114

LiftForward operates a marketplace loan platform which provides loans to small businesses and high yielding debt to investors. Investors on the platform range from accredited investors to hedge funds to banks. Small businesses are able to borrow up to $350,000 per transaction for asset purchases, purchase order financing, or working capital. LiftForward partners with suppliers, retailers and manufacturers in order to provide financing to their small business customers. LiftForward partnerships include both co-branded and white-labeled portals. In addition to providing financing to our clients’ small business customers, LiftForward also provides software and business processes to aid in the sales process. For example, LiftForward has developed proprietary applications for call centers and field sales personnel to approve loans for small businesses in real time while selling products and services. Our data demonstrates that our Pre-approval App increases sales and decreases the sales cycle. LiftForward software applications are used by a number Fortune 500 companies. LiftForward is a SEC registered investment advisor and licensed lender. LiftForward investors include GLI Finance Limited (AIM: GLIF), an investor in platform companies providing finance to small and medium sized enterprises, Garrison Point Capital, Capital Bank and other accredited investors.

Merchant Cash & Capital Level 5 | Booth 708

Founded in 2005, Merchant Cash and Capital (MCC) and its family of companies has originated over $1 billion to more than $20,000 small business owners. MCC has achieved this level of funding thanks to its unmatched technology and specialized funding programs. MCC’s one-of-a-kind Automated Submission and Pre-Approval System (ASAP) streamlines the “submission to funding” process with instant pre-approvals and contracts. It allows our customers to receive their funds within hours instead of days. MCC’s Cash Advance Management System (CAMS) lets customers track the progress of their advance and payments in real time. “Funders do not need to build their own systems to participate in the growth of online lending,” says Stephen Sheinbaum, Founder of Merchant Cash and Capital. “Our systems meet the needs of the most sophisticated partners, at every aspect of the process from submission to funding.” Most recently, MCC launched a cutting edge platform that combines the attributes of both aggregation and true funding companies. This new platform, Bizfi (www.bizfi.com), allows merchants to obtain offers and funding from a variety of finance companies across the entire credit spectrum within minutes. MCC also offers its partners the unique opportunity to participate in their own deals, without investing any money or assuming any risk. “Generally, when something sounds too good to be true, it isn’t true,” notes Sheinbaum. “But our partners now have the ability participate in the upside of their deal flow without taking on any risk. We will leverage our resources to help our partners participate in their portfolio and they don’t have to put up any capital or take on any risk themselves. On average, our partners can earn an additional 3% to 5% in revenue on each deal. It’s a win-win for everyone.”

miiCard Level 5 | Booth 611

miiCard brings a greater level of trust to the internet, through proven identities, changing the way we trade and transact online and allowing us to do more with ease, convenience and safety. Our global “digital passport” identity services directly replace the need for offline identity checks by leveraging the trust consumers already have, such as their bank verified identities, to prove they really are who they say they are online. Through DirectID, a one-off verification service, consumer identities are verified directly with their bank in real-time and combined with financial and bureau data to provide the highest assurance and insights to support the full sale of regulated financial products online in a range of markets such as retail banking, lending and payments. By reusing existing and familiar processes DirectID allows consumers to leverage their existing banking identity for other products and services and helps businesses reduce credit risk, increase conversions and reduce fraud. Extensive coverage in over 30 countries provides access to verify over 500 million consumers purely online and in real-time today. Easily embedded into existing processes, DirectID provides a frictionless customer experience and is available hosted and through API integration. Find out more at: www.direct.id

NiWoDai

Formally launched in June 2011, Niwodai is a sub-brand of Shanghai Jia Yin Financial Services Limited. (Websites: www.niwodai.com) We regard credit management and risk control as our first priority at its beginning by using O2O mode to manage the risk. With its groundbreaking status as a “Fund Matchmaker” and extensive and efficient network media, www.niwodai.com intermediates finance between investors and borrowers to meet common needs of two parties so as to achieve win-win benefits.



Silver Sponsors

Orchard Platform Level 5 | Booth 309

Orchard Platform is an investment and analytics platform that is leading the future of the credit industry. Orchard supports marketplace lending by providing technical and operational efficiencies to help institutional investors and loan originators connect and transact. Founded in New York City in 2013, Orchard focuses on building the systems and infrastructure that will allow marketplace lending to grow into a global financial market. Orchard enables institutional investors to scale their investment in the space by providing investment strategy, real-time execution and reporting, premier analytics, and access to supply. Orchard helps originators expand the credit landscape by connecting them to a diverse set of capital providers, and enables them to focus on making loans and giving borrowers more choices. Orchard Platform Advisors, LLC is an SEC Registered Investment Adviser, and is also recognized as a clear thought leader in the space and publishes a blog on its website exploring analytical and technical topics related to lending, and runs the monthly Marketplace Lending Meetup.

The Credit Junction Level 5 | Booth 114

The Credit Junction is a technology-enabled, online marketplace lending platform focused on providing working capital and supply chain financing solutions primarily to industrial & manufacturing small and mid-size enterprises. The company is the first marketplace lender to employ an asset-based lending credit evaluation model, and by doing so, we can now offer SME borrowers up to $2M in capital availability. We utilize a hybrid technology/manual underwriting process for credit review, approval and administration. By coupling cutting-edge technology and data mapping with traditional asset-based lending metrics, we can better assess the health of a business, as well as give our borrowers a more transparent and user-friendly experience. The Credit Junction offers both a term and revolver structure, with a medium duration of 6-24 months on average and rates ranging from 9-19%. Our mission: transform how small and mid-size enterprises finance their growth and working capital needs with fast, flexible and efficient access to capital.

The Interface Financial Group Level 5 | Booth 202

The Interface Financial Group (IFG) is one of North America’s largest alternative funding source for small business, providing short-term financial resources, including invoice finance and invoice discounting. The company serves clients in more than 30 industries in the United States, Canada, Australia, New Zealand, UK, Ireland, Mexico and South Africa and offers cross-border transaction facilities. With more than 150 offices and over 40 years of experience, IFG provides innovative accounts receivable funding services and solutions by offering an extremely fast way to turn receivables into cash. IFG Invoice Finance Marketplace Platform was launched in 2014 and presents a unique opportunity for institutional investors in USA, Canada, UK and Australia to invest in invoice finance asset class where IFG’s loan originators and underwriters are sharing risk with investors in each funded transaction. Founded in 1972 to provide short-term working capital to help SMEs grow the IFG organization operates on a local level, providing clients with local knowledge, experience and business expertise in numerous diverse areas in addition to accounts receivable finance, including accounting, finance, law, marketing and banking.

UBS

UBS draws on its over 150-year heritage to serve private, institutional and corporate clients worldwide, as well as retail clients in Switzerland. Its business strategy is centered on its pre-eminent global wealth management businesses and its leading universal bank in Switzerland, complemented by its Global Asset Management business and its Investment Bank, with a focus on capital efficiency and businesses that offer a superior structural growth and profitability outlook. Headquartered in Zurich, Switzerland, UBS has offices in more than 50 countries, including all major financial centers, and approximately 60,000 employees. UBS Group AG is the holding company of the UBS Group. Under Swiss company law, UBS Group AG is organized as an Aktiengesellschaft, a corporation that has issued shares of common stock to investors. The operational structure of the Group comprises the Corporate Center and five business divisions: Wealth Management, Wealth Management Americas, Retail & Corporate, Global Asset Management and the Investment Bank. The Investment Bank provides corporate, institutional and wealth management clients with expert advice, innovative financial solutions, outstanding execution and comprehensive access to the world’s capital markets. It offers financial advisory and capital markets, research, equities, foreign exchange, precious metals and tailored fixed income services in rates and credit through its two business units, Corporate Client Solutions and Investor Client Services. The Investment Bank is an active participant in capital markets flow activities, including sales, trading and market-making across a range of securities.

Silver Sponsors

Upstart Level 5 | Booth 402

Founded by ex-Googlers, Upstart goes beyond the FICO score to finance people based on signals of their potential, including employment history and academic performance. Upstart’s proprietary underwriting model identifies high quality borrowers despite limited credit and employment experience. Upstart loans can be used for almost anything, including paying off credit cards, eliminating student debt, paying for a coding bootcamp, or starting a business. For more information, visit: www.upstart.com.

Wheat Financial

Wheat Financial Services Group (short for Wheat Financial Service) is a leader in the marketplace of mobile internet financial service. Wheat Finance provides a series of comprehensive asset management services with high-quality. At present, Wheat Financial Service has 6 wholly-owned subsidiaries including Shanghai Nonobank Finance Information Co., Ltd, MXD (Shanghai) Financial Technology Co., Ltd, The landlord (Shanghai) Financial Technologies Co.,Ltd, etc. As a wholly-owned subsidiary of Wheat Financial Services Group, Shanghai Nonobank Financial Information Co., Ltd (short for Nonobank) was named the most promising enterprise in the Third Financial Summit in 2014. One of its products, “MXD”, known as the Chinese version of Social Finance (SoFi) and the most famous product of Nonobank, is the largest provider of Chinese student loan in the mainland. “The landlord”, a financial product focusing on real estate mortgage, is also in the hot pursuit of Shanghai market now.

Bronze Sponsors

American Homeowner Preservation Level 5 | Booth 607

American Homeowner Preservation is a distressed mortgage investment company with the mission of providing attractive financial returns to investors and sustainable solutions to keep struggling homeowners in their homes. AHP uses online crowdfunding to purchase pools of distressed mortgages from banks and lenders at significant discounts. Accredited investors purchase equity in individual pools and receive 9-12% annual returns. Once pools are purchased, AHP works with borrowers nationwide to find solutions that help them avoid foreclosure. American Homeowner Preservation offers a win-win-win solution for investors, lenders and homeowners.

AmeriMerchant Level 5 | Booth 609

AmeriMerchant is a leading financial technology company that leverages a proprietary underwriting technology platform to provide working capital solutions to businesses globally including business loans, merchant cash advances, and inventory purchasing programs. Our working capital programs give small businesses access to funding quickly and provide a viable alternative for merchants that are turned away by traditional lending sources. The company has a state-of-the-art technology platform in place that delivers credit decisions in just 60 seconds and has funded hundreds of millions globally since 2002. AmeriMerchant is a direct funder with over 200+ employees and headquartered in New York City.

Assetz Capital Level 5 | Booth 200

Assetz Capital is one of the leading Peer-to-Peer (P2P) lenders operating in the UK and aims to fund c£1bn (c$1.5bn) of loans by the end of 2016. We facilitate direct lending between private/institutional investors and business borrowers via our online marketplace. We present lending opportunities to investors and they choose to fund them either by manual selection or through our automatic Investment Accounts. Assetz Capital was one of the first P2P lenders to offer purely secured lending, taking realisable security to avoid any loan defaults becoming losses and to date no investor has lost a single penny of capital on the loans arranged. Interest of over £2.5 ($3.8) million has been earned by lenders since commencement of lending operations in April 2013 on total loans funded to date of £55 ($84) million. Lenders have earned a weighted average gross return of over 10% pa in the last 12 months.Assetz SME Capital Limited, a subsidiary of Assetz Capital Limited, is regulated in the UK by the Financial Conduct Authority (FCA).



Bronze Sponsors

BDO Level 5 | Booth 501

BDO USA, LLP, a U.S. professional services firm providing assurance, tax, financial advisory and consulting services to a wide range of publicly traded and privately held companies. For more than 100 years, BDO has provided quality service through the active involvement of experienced and committed professionals. The firm serves clients through more than 40 offices and over 400 independent alliance firm locations nationwide. As an independent Member Firm of BDO International Limited, BDO serves multinational clients through a global network of 1,204 offices in 138 countries. BDO USA, LLP, a Delaware limited liability partnership, is the U.S. member of BDO International Limited, a UK company limited by guarantee, and forms part of the international BDO network of independent member firms. BDO is the brand name for the BDO network and for each of the BDO Member Firms.

Biz2Credit Level 5 | Booth 601

Founded in 2007 by CEO Ramit Arora and his brother Ramit, who serves as president, Biz2Credit has arranged more than $1.2 billion in small business funding throughout the U.S. The company is a pioneer in the use of technology to connect small business borrowers with a network of big banks, regional and local banks, credit unions, micro lenders, and alternative lenders. Biz2Credit is widely recognized as the #1 online credit resource for startup loans, lines of credit, equipment loans, working capital, loans for women-owned and minority-owned companies, and other funding options. Using the latest technology, Biz2Credit matches borrowers to financial institutions based on each company’s unique profile — completed in less than four minutes — in a safe, efficient, price-transparent environment. Biz2Credit also offers its innovative BizAnalyzer tool, which provides a snapshot of a company’s financial health.Biz2Credit’s network consists of 1.6 million users, 1,300+ lenders, credit rating agencies such as D&B and Equifax, and small business service providers including CPAs and lawyers. In 2014, the company launched its marketplace lending (AKA peer-to-peer lending) platform through which small companies can secure capital from institutional investors, such as hedge funds, family funds, insurance companies, and others. For more information, visit www.biz2credit.com, follow on Twitter @Biz2Credit, and Facebook www.facebook.com/biz2credit.

Blue Elephant Capital Management Level 5 | Booth 500

Blue Elephant Capital Management is at the forefront of the evolving structural opportunities made possible by the intersection of technology and finance. BECM is among the first to offer investors access to high, stable yields of the developing marketplace lending arena. By focusing on the macro variables that influence the credit cycle, BECM invests across multiple secured and unsecured platforms moving up and down in quality to optimize returns.

The Business Backer Level 5 | Booth 511

The Business Backer is re-inventing relationship-based business financing for the 21st century.The Business Backer was established in 2007 to provide an honest and transparent funding source to help small businesses get the capital they need to survive and thrive. We believe that by replacing distrust with trust, adding the customer story to the data, honoring the potential for transformation, and valuing relationships over automation, we are building a better way, where small business owners can trust the financing process and easily access the best solutions, from bank loans to alternatives, at the best price.

Bronze Sponsors

Capital One Level 5 | Booth 502

As a top 10 U.S. bank, Capital One® has over $205 billion in total deposits and $195 billion in total loans. This financial strength is combined with product expertise and personal attention, enabling us to tailor creative solutions for a broad range of consumer, small business and commercial clients.Capital One Specialty Finance Lending Group in particular has been delivering innovative, custom debt solutions to healthcare facilities and organizations, security service providers, technology firms, vacation-ownership developers and taxi companies for more than 20 years. Our industry-focused teams are dedicated to helping clients develop optimal financing solutions to support working capital needs and growth opportunities using an array of products and services. This includes term loans, revolving lines of credit, commercial mortgages, collateral secured credit facilities, inventory loans, equipment finance leases, medallion and vehicle loans, consumer lender finance and more. We also provide tax-exempt and taxable funding to U.S. municipalities and nonprofit organizations as well as non-recourse and recourse finance to owners and managers of financial assets across various sectors. With a comprehensive suite of treasury management services, including cash management and merchant payment processing, Capital One is also well positioned to help its clients accelerate receivables, simplify payments and streamline cash flows.

CapitalSource

CapitalSource, a division of Pacific Western Bank, provides senior loans to consumer and commercial finance companies including P2P lenders, merchant cash advance companies, small business finance providers, and entities operating in a wide variety of other asset classes. Their loans range from $5-$75 million dollar. Pacific Western Bank, a Los Angeles-based commercial bank has $16 billion in assets and 80 full-service branches located throughout the state of California. Pacific Western Bank is a wholly-owned subsidiary of PacWest Bancorp (NASDAQ:PACW). For more information, visit www.capitalsource.com.

Direct Lending Investments Level 5 | Booth 100

Direct Lending Investments is a private investment firm. We are the General Partner of the Direct Lending Income Fund, LP. Loaning money to established small businesses with trustworthy owners and a legitimate need for capital has historically provided very attractive returns. We make this compelling, income-producing asset class available to investors.

Equifax Level 5 | Booth 703

Position yourself as a leader in Peer-to-Peer by leveraging The Work Number that provides the capability for real-time verification. You’ll alleviate the burden of manually validating company contact information and calling to verify employment—speed and efficiency gains that improve your customer’s experience and help you reduce risk by qualifying the right leads and grow your business by extending loans faster. The Work Number is a proprietary database owned by Equifax, and is the largest central source of consolidated employment and income information. The database houses payroll information from more than 4,400 employers nationwide – from Fortune 500 companies to small regional and local employers – and has fulfilled over 47 million verifications in 2014 alone for verifier organizations.Key Benefits:• Real-time verification of employment and income• Information direct from employers, refreshed at every payroll cycle• Mitigate fraud and improve loan quality• Improve conversion rates and reduce walkaways• Prefund with confidenceEquifax empowers progressive lenders to pursue smart growth opportunities with a broader range of applicants and supports the largest lenders in the online lending marketplace. Visit us at booth #703 or contact us today to learn more about how to start utilizing The Work Number to verify more loans with less risk at http://www.theworknumber.com/lendit/.



Bronze Sponsors

FastPay

Founded in 2009, with offices in Los Angeles and New York, FastPay provides liquidity and financial workflow solutions to the media industry. Through FastPay’s proprietary technology platform, we can dynamically assess the creditworthiness of media businesses and provide loans in real-time. Since inception, FastPay has originated over $750 million in loans across thousands of publishers, networks, exchanges, DSPs, SSPs, agencies and app developers, and we continue to provide innovative financing at the speed of global media. Learn more at gofastpay.com.

FICO Level 5 | Booth 600

FICO is a leading analytics software company, helping businesses in 90+ countries make better decisions that drive higher levels of growth, profitability and customer satisfaction. The company’s groundbreaking use of Big Data and mathematical algorithms to predict consumer behavior has transformed entire industries. FICO provides analytics software and tools to manage credit risk lifecycle from originations to collections, fight fraud, build more profitable customer relationships, optimize operations and meet strict government regulations. The FICO® Score is the standard measure of consumer credit risk in the United States. The new FICO® Score 9 uses a more refined treatment of consumers with a limited credit history and those with accounts at collection agencies, so that lenders can grow their credit and loan portfolios more confidently. By applying innovative predictive modeling techniques on recent data to capture consumer credit behavior, FICO Score 9 will extend FICO’s leadership in providing the credit score that most accurately and fairly defines U.S. consumer credit risk. FICO solutions leverage open-source standards and cloud computing to maximize flexibility, speed deployment and reduce costs. The company also helps millions of people manage their personal credit health. Learn more about our originations solutions for alternative lending at http://www.fico.com/en/originations/alternative-lending.

Foundation Capital

Foundation Capital is dedicated to the proposition that one entrepreneur’s idea, with the right support, can become a business that changes the world. Foundation Capital has helped companies like Lending Club change the way money is lent and borrowed, EnerNOC invent the energy demand response market, and Netflix revolutionize media distribution and consumption, among many others. Foundation Capital is currently invested in more than 80 high-growth ventures in the areas of consumer, information technology, software, semiconductors, and clean technology including Beepi, BoardVantage, Chegg, Coverity, DogVacay, Kik, ForgeRock, Lending Home, Simply Hired, Spoon Rocket, Sunrun, and Venafi. Foundation Capital’s twenty-five IPOs include Lending Club, OnDeck, MobileIron, Control4, TubeMogul, Envestnet, Financial Engines, Netflix, NetZero, Responsys and Silver Spring Networks. For more information, visit foundationcapital.com.

Kabbage Level 5 | Booth 327

Kabbage has pioneered the first financial services data and technology platform to provide fully automated funding to small business in minutes. Kabbage leverages data generated through business activity such as accounting data, online sales, shipping and dozens of other sources to understand performance and deliver fast, flexible funding in real time. Through its Karrot brand, Kabbage offers simple consumer loans through its automated platform. For more information, please visit www.kabbage.com and follow the company on Facebook and Twitter.

KPMG Level 5 | Booth 326

KPMG LLP, the audit, tax and advisory firm, is the U.S. member firm of KPMG International Cooperative (“KPMG International”). KPMG International’s member firms have 162,000 professionals, including more than 9,000 partners, in 155 countries. FinTech companies seek out the services of KPMG for insight, knowledge, and advice that can directly impact performance. KPMG’s Financial Services practice, with nearly 6,000 partners and professionals in the United States alone, serves more than 20,000 leading banking and finance, investment management, and alternative investment organizations in the world.

Bronze Sponsors

LendKey Level 5 | Booth 606

LendKey offers cloud-based technology to provide the essential infrastructure for any party to quickly, securely, efficiently and profitably lend to anyone else - from those offering loans directly to those structuring new types of loans.

Lighter Capital Level 5 | Booth 608

Lighter Capital makes it easy for small business to access long-term growth capital. We use technology to make it simpler for entrepreneurs to secure larger amounts of capital online -- we call it Capital-as-a-Service. We provide up to $1,000,000 in capital with an average loan size of $250,000 through our RevenueLoans® -- a five year revenue-sharing agreement that blends the best of equity and debt.Lighter Capital’s online application and underwriting process allows us to rapidly structure and fund a loan based on a detailed credit analysis and understanding of our customer’s business. We are currently focused on funding technology companies, with revenues of $200,000 to $10 million, who are seeking to accelerate their sales, marketing or product development. Unlike many online lenders, our capital is entrepreneur-friendly. It’s designed to promote business growth. In fact, we only succeed when our customers’ businesses grow. It works so well for our borrowers that more than half have returned for multiple follow-on rounds. In this era of big data and machine learning, with corporate data residing in the cloud and flowing seamlessly from application to application, it’s absurd that raising capital relies so much on who you know in the VC and Angel worlds and how good your PowerPoint pitch is. It’s also just plain wrong that the online lending available today so rarely promotes healthy small business growth. By marrying the power of online data gathering, with true credit analysis and access to entrepreneur friendly capital structures, Lighter Capital is providing a better way for companies to secure financing. Welcome to Capital-as-a-Service.

Millennium Trust Company Level 5 | Booth 705

Founded in 2000, Millennium Trust celebrates 15 years of providing its clients with innovative and cutting-edge custody solutions. Millennium Trust Company is a leading financial services company offering niche alternative custody solutions to institutions, advisors and individuals. The firm serves as a complement to services offered by other custodians. Millennium’s innovative solutions include rollover solutions, alternative asset custody, private fund custody and advisor support solutions. Millennium Trust performs the duties of a directed custodian. As such, it does not provide due diligence on prospective investments, sponsors or service providers and does not sell investments or provide investment, tax or legal advice.

Open Energy Group Level 5 | Booth 114

Open Energy Group is a new finance company funding the growth of US renewable energy infrastructure. OEG provides innovative financing solutions to support the growth of commercial and utility-scale solar infrastructure, using a marketplace to direct investment, and based on a foundation of technology driven underwriting processes. The Open Energy online investment platform enables accredited and institutional investors to invest into solar project debt. OEG sources and structures renewable energy project loans through its proprietary technology process centered on a strict risk methodology, providing investors with security and choice around their investment products. For more information about Open Energy Green Notes and our loan technology process visit www.openenergygroup.com.

Ovamba Level 5 | Booth 114

Ovamba is the first social market-place lender in francophone Africa, and also one of the first peer-to-business lending platforms to offer investment opportunities to individuals and institutions in Sub-Saharan Africa. Ovamba offers investors access to a transparent, secure platform where they can invest in high quality, short term loans made to well-vetted, small and medium sized African businesses. Ovamba believes that these businesses could potentially outperform other investment opportunities in other regions of the world. For business owners, Ovamba offers reliable capital to help them build their businesses and contribute to their local economies. The loans that Ovamba makes available are often delivered faster and at better rates than those offered by other financial institutions; and for select financial institutions, Ovamba partners with them to share risk and improve their treasury standing and loan portfolios.



Bronze Sponsors

Peerform Level 5 | Booth 604

Peerform is a consumer lending platform for institutional and Accredited Investors targeting prime and near-prime (600+ FICO) borrowers for personal loans. Peerform’s cutting edge proprietary underwriting model is based on a polynomial formula leveraging relationship between credit attributes to identify a broad range of qualified borrowers, servicing a wider market than lenders based on a strict FICO based model. We enable active investors to build a diversified portfolio of consumer loans utilizing available data. Founded in 2010 in New York, Peerform’s team is comprised of financial industry veterans with experience in investment management, derivatives, statistical and credit analytics, technology, and operations. We’re committed to providing affordable credit to dependable borrowers and attractive risk adjusted investment opportunity to investors.

Prime Meridian Capital Management Level 5 | Booth 114

Prime Meridian Capital Management is an investment management firm specializing in online Peer-to-Peer (P2P) lending strategies. Loans include consumer debt consolidation, small business financing, home improvement, auto financing, and more. We select loans using a risk based pricing approach that focuses on yield, duration, and credit quality with the objective of achieving consistent positive returns with low volatility and low correlation to other asset classes. Our Prime Meridian Income Fund provides investors low cost access to short-duration, high yield prime consumer loan portfolios (Lending Club, Prosper), while our Prime Meridian Small Business Lending Fund provides investors low cost access to short-duration, high yield collateralized small business loan portfolios (Funding Circle, Biz2Credit) backed by prime and super prime personal guarantees.

Provident Trust Group Level 5 | Booth 605

Provident Trust Group is a self-directed IRA custodian for clients and advisors throughout the country. Our custody solutions are greatly beneficial to investors who want to self-direct alternative assets—whether it’s P2P lending, precious metals, real estate or more. We believe that everyone deserves the chance to achieve a greater level of financial success. Credited with helping more than 30,000 clients place alternative assets into their retirement accounts, we provide affordable and superior customer service that is driven by technological innovation and industry expertise. Named to Inc. 500|5000’s list of Fastest-Growing Private Companies in America for the past four years, we have a proven track record in minimizing risk and maximizing returns. Understanding how IRAs provide access to additional capital in a tax-protected account can come natural with our guided expertise. If you want a simple, safe and secure way to take control of your financial future--let’s talk and leave the rest to us.

Raiseworks Level 5 | Booth 114

Raiseworks was founded in 2011 to increase access to capital for small‐to‐medium sized businesses (“SMEs”) by connecting them with institutional investors. Gary Chodes joined Raiseworks in December 2013 as CEO after purchasing the company from accounting software leader, Sageworks. Raiseworks provides capital to SMEs across the entire credit spectrum including Prime, Near‐Prime, and Sub‐Prime. Recently, increased regulations, higher capital requirements, and higher costs have driven banks away from originating SME loans. As a result, SMEs are underserved by traditional banking institutions and represent a market opportunity of approximately $275 to $375 billion annually. Raiseworks utilizes an integrated marketing strategy focused on leveraging direct response television (“DRTV”) for customer acquisition. Raiseworks’ scalable technology platform communicates seamlessly with third‐party business systems while employing grid‐based credit rules to automatically complete 70% of the loan underwriting process. Raiseworks is the only online lending platform with a wholly‐owned FINRA member broker‐dealer able to conduct securities‐related transactions in all 50 States.

TradeRiver Level 5 | Booth 114

TradeRiver USA is an online funding solution that provides trade finance, giving companies access to a viable alternative or additional source of working capital at any point in the supply chain. It works by providing the buyer with a pre-approved revolving facility that can be used to finance trade with suppliers in the USA or overseas. Payments and administration are paperless and transparent via a secure online platform. Buyers and Sellers in any supply chain can now benefit from a level of flexibility, responsiveness and agility that simply isn’t available from traditional bank-based finance.

Bronze Sponsors

TriNet Level 5 | Booth 505

TriNet (NYSE: TNET) is a leading provider of a comprehensive human resources solution for small to medium-sized businesses, or SMBs. We enhance business productivity by enabling our clients to outsource their human resources, or HR, function to one strategic partner and allowing them to focus on operating and growing their core businesses. Our HR solution includes services such as payroll processing, human capital consulting, employment law compliance and employee benefits, including health insurance, retirement plans and workers compensation insurance. Our services are delivered by our expert team of HR professionals and enabled by our proprietary, cloud-based technology platform, which allows our clients and their employees to efficiently conduct their HR transactions anytime and anywhere. For more information, please visit http://www.trinet.com.

UK Bond Network Level 5 | Booth 114

Offering UK SMEs debt finance of between £500,000 and £4m, UK Bond Network works with publicly quoted as well as unquoted companies to enable them to tap into a pool of sophisticated investor capital which is otherwise inaccessible to most businesses. Because UK Bond Network is only open to sophisticated investors, and these investors are experienced enough to understand complex financial structures, the platform is able to be highly flexible in the structuring of the finance it provides. Borrowing companies can also choose to offer investors additional upside, be it equity-linked or otherwise, and through a fair and transparent auction process, lenders and borrowers both receive a better deal.

Victory Park Capital Level 7 | MP5

Victory Park Capital (VPC) is a privately held registered investment advisor dedicated to alternative investing through the management of its investment funds. As specialists in credit and private equity investments, VPC focuses on middle market companies across a diversified range of industries. Whether as a lender or a control investor, VPC seeks to identify opportunities where it believes the potential for reward outweighs the risks entailed. Founded in 2007, VPC is headquartered in Chicago with additional resources in Boston, Los Angeles, New York and San Francisco. For more information visit: http://www.victoryparkcapital.com.

Associate Sponsors

Afluenta Level 5 | Booth 700

Afluenta is the first and only licensed peer-to-peer (P2P) lending company across Latin America where members lend and borrow money for better yields and loan costs cutting out the traditional middleman. Afluenta is the largest originator of consumer loans on the region, has the most advanced and tested lending platform of LatAm with 100,000+ fractional loans providing the best investing tools available for retail and institutional lenders along with easy to apply loans for borrowers.

CMC

From regulators enforcing stricter compliance, customers expecting faster, more personal service, and management demanding ever-greater returns, financial services professionals are challenged as never before. These new realities demand new thinking. Because legacy customer management systems typically have been assembled one function at a time, to fill one need at a time, they have inevitably grown more unwieldy, inefficient, and unable to adjust to rapidly-changing ways of doing business. Yesterday’s technologies are simply not sufficient for tomorrow’s challenges. CMC’s answer to these challenges and roadblocks? A unified, yet highly multifunctional customer management system designed to give financial institutions unprecedented control over every aspect of the credit life cycle—from compliance, collections and recovery, to customer communications, complaints and disputes. Demonstrably cost-effective and easily deployed, CMC’s CredAgility® helps clients to reimagine customer management. CredAgility offers you the freedom to implement functions modularly or all at once, and the flexibility to be continually renewed to keep pace with tomorrow’s challenges.



Associate Sponsors

Fundrise

Fundrise is the first and leading online real estate marketplace. Founded in 2012 by brothers Ben and Dan Miller, Fundrise was the first company to successfully crowdfund investment for real estate online, raising over $50 million for more than 50 projects from thousands of individual investors to date.Based in Washington, D.C. with offices in Los Angeles, New York, San Francisco, and Seattle, Fundrise offers small-scale investors the opportunity to invest in the same real estate as billion-dollar investment corporations, for the first time ever. With funding from established players including Renren Inc. (NYSE: RENN), Silverstein Properties CEO Marty Burger, and Guggenheim Partners, Fundrise is bringing real estate investment to the mainstream. For more information on Fundrise, please visit https://fundrise.com.

Lend Academy

Founded in 2010, Lend Academy is the leading resource for people interested in peer to peer lending. We operate Lendacademy.com, which runs a blog, podcast and investor forum. Tens of thousands of readers regularly visit our site to learn about peer to peer lending and how to participate as an investor. We regularly publish articles on the different people and companies that make up our community. We believe that p2p lending makes the world a better place and that everyone should participate. Our mission is to teach people everywhere about p2p lending.

LendingRobot

LendingRobot makes investing in marketplace lending simple, flexible, and more liquid. Thanks to sophisticated machine-learning algorithms and a high performance cloud-based infrastructure, LendingRobot offers automated decision, automated execution, detailed performance analytics, as well as an unique solution to accelerate cash-out. LendingRobot Autopilot is designed for Wealth Managers wanting to invest in this new asset class, while still maintaining individual risk profiles and separate accounts for each of their clients. Its unique allocation layers combines the power of investment pooling with the freedom of individual choices. LendingRobot is a SEC-registered Investment Advisor based in Seattle, WA.

Logical Glue

Logical Glue is a SaaS platform for creating superior predictive models for lending and then deploying those models live via a secure, real-time API service. Logical Glue is used by P2P companies, classic installment lenders, point of sale lenders, SME lenders, challenger banks and others engaged in better lending and alternative finance to realize the benefits of self-learning predictive models for customer acquisition, credit adjudication models, lending limits, risk based pricing, and debt recovery. Models are unique and created using lenders’ own data or data from credit bureaus for target product segments in order to train Logical Glue’s superior machine learning algorithms, with US patents granted, meaning that each company gets predictions tailored to its business. Logical Glue also provides a dashboard and full audit drill down on all predictions, including unique insights into the reasons how and why every decision is made. The Logical Glue platform is easily integrated with existing business applications, data sources, and websites - and our expert team of data scientists is available to assist clients as needed to get to market quickly and tune models for best possible performance. Logical Glue is built for you - whether you wish to approve more good customers, reject unsuitable customers, improve profits, lower risks or open up new markets and introduce new products.

Associate Sponsors

Manatt, Phelps & Phillips, LLP Level 5 | Booth 806

Manatt, Phelps & Phillips, LLP, is one of the nation’s leading law and consulting firms, with offices strategically located in California (Los Angeles, Orange County, Palo Alto, San Francisco and Sacramento), New York (New York City and Albany) and Washington, D.C. The firm represents a sophisticated client base — including Fortune 500, middle-market and emerging companies — across a range of practice areas and industry sectors. Manatt is a full service law firm with practice areas including peer-to-peer lending and crowdfunding, venture capital and private equity, corporate finance and securities, M&A, tax, litigation, intellectual property, labor and employment, financial services, real estate, healthcare and entertainment. Our P2P group works with platforms, investors and service providers in the space to provide a comprehensive P2P solution. We advise several companies in each of the three main verticals—consumer, small business and real estate—and we represent several other specialty platforms. We tailor legal solutions to specific business objectives and market constraints. Manatt works with the largest companies in the industry as well as smaller start-ups to perform a customized risk-based assessment and action plan to get and keep clients moving as efficiently as possible. We work actively with companies and investors from North America, Europe and Asia to guide them through this dynamic landscape. For more information visit: www.manatt.com/PeertoPeerLendingandCrowdfunding

Exhibitors

AssetAvenue Level 5 | Booth 307

AssetAvenue is a leading online lending platform providing accredited and institutional investors the opportunity to invest in fixed income loans tied to commercial real estate, while providing property owners, lenders, and brokers with access to capital to fund their deals. AssetAvenue partners with lenders and borrowers to source loan investment opportunities up to $20 million and offers these opportunities to qualified investors in amounts as low as $5,000. Family offices and institutional investors can also elect to participate in AssetAvenue’s Whole Loan Program. AssetAvenue’s best-in-class real estate team utilizes its proprietary analytics model to meticulously vet each loan before presenting the opportunity to its investors. Visit AssetAvenue.com to learn more.

Better Finance Level 5 | Booth 410

Better Finance, Inc. is a financial technology company providing innovative, online financing solutions to businesses under the SmartBiz and SmartPay brands.SmartBiz (www.smartbizloans.com) is the leading online marketplace for SBA loans $350,000 and under, enabling banks to make loans efficiently and small businesses to apply and get funds quickly. Leveraging its powerful technology platform, SmartBiz is able to provide fast and affordable SBA loans to small businesses across America making SBA loans easy!SmartPay (www.smartpaylease.com) Everyday Leasing enables wireless carriers and retailers to spread customer payments over time for smartphones and consumer electronics. Leading wireless carriers and retailers offer SmartPay in their stores and on their websites. SmartPay is available in 1,000s of locations across the U.S.Better Finance is privately held and based in San Francisco. The company was founded in 2009 by a team of experienced financial services entrepreneurs with backing from leading venture capital firms including Investor Growth Capital, Venrock, First Round Capital, Baseline Ventures, and SoftTech VC.

Borrowell Level 5 | Booth 408

Borrowell is a Canadian marketplace lending platform. By harnessing the powers of community and technology, Borrowell offers responsible consumers better rates, better service and a better customer experience, while institutional investors get access to consumer loans with attractive risk/return profiles. Borrowell is pleased to offer simple, secure and convenient access to credit to Canadians from coast to coast, operating in all but two provinces. Canadians can now feel empowered to stop just borrowing, and start borrowing well. Borrowell was founded in 2014 to adapt the marketplace lending model to Canada’s unique regulatory and consumer environment. Its partners include Equitable Bank, a mid-sized Canadian bank with total assets under management of $13 billion, and Oakwest Corporation, a private investment company.



Exhibitors

Chapman and Cutler LLP

Chapman and Cutler attorneys are at the forefront of the initiative to develop securitization structures for internet-based lending platforms (including “peer-to-peer” programs). Our lawyers are actively involved in providing legal advice to these peer-to-peer programs, which are growing rapidly and are an increasingly important segment of the financial markets. We have extensive experience representing internet-based companies engaged in consumer, student and small business lending and other asset classes, and the experience needed to help our clients comply with the novel legal and regulatory issues presented by these programs. Chapman attorneys authored a white paper, The Regulation of Peer-to-Peer Lending, which discusses recent regulatory and market developments affecting internet lending, including the SEC’s new private placement rules, the potential for securitizations of peer-to-peer loans, and the SEC’s proposed crowdfunding rules. We handle funding arrangements for P2P originators and also assist with: development of programmatic whole loan sale, servicing, and custodial agreements; due diligence and compliance reviews for investors; assessment of federal and state regulatory requirements, including securities law compliance, lender, broker and debt collector licensing requirements, usury and fee limitations, and disclosure, reporting and fair lending regulations. Our broad-based experience in asset backed transactions will enable us to provide effective advice to our clients in connection with this developing market sector and future securitizations of internet-based loans.

Cloud Lending Level 5 | Booth 508

The Cloud Lending suite of SaaS applications efficiently manages loan portfolios, increases transaction volume, and rapidly brings new products to market for non-bank financial institutions all over the world. Cloud Lending Solutions is the industry’s only end-to-end lending solution that is fully integrated with Salesforce.com. Our suite of applications includes origination, underwriting, servicing, collections and reporting. Our clients from innovators like Harmoney.com to industry leaders such as Propel Financial Services use Cloud Lending to drive down expenses and grow through greater volume and new products. Cloud Lending combines ease-of-use and flexibility with a robust and comprehensive cloud platform. It delivers complete functionality for managing lending business with the following key features:• End-to-end lending solution – including origination, underwriting, servicing, and collections• Integration with accounting, credit bureaus, payment processors, document processors and e-signature, auto-dialer, mobile payments, collateral valuation, and D&B• Access from the web or mobile – anytime, anywhere• Facilitate real time collaboration and manage relationships among different stakeholders in a financial services institution• Dashboard and reports to monitor and manage loan portfolios• Speed to delivery, speed to change – fast time to marketCloud Lending is a global company located in Silicon Valley, California, and Bangalore, India.

CommonBond Level 5 | Booth 707

CommonBond is changing the student loan industry by creating an online marketplace that lowers the cost of education for borrowers and provides financial returns for investors. CommonBond’s community of borrowers is comprised of highly credit-worthy individuals who have been underserved by traditional lenders. CommonBond enables borrowers to refinance existing student loan debt at lower rates and save $10,000, on average, over the life of the loan. The company also offers lower-cost loans to MBA students. CommonBond’s mission is to deliver 1) best-in-class loan options with competitive pricing, 2) a simple online experience through superior technology, with 3) service that is human, responsive and empowered to help borrowers. By over-delivering on this, CommonBond has created a robust, active community of accomplished borrowers. To date, CommonBond has raised over $300M in lending capital for graduate programs across the U.S., and the company provides in-school loans to students at over 20 MBA programs. CommonBond continues to expand to meet customer demand. CommonBond was founded by three Wharton MBA students with finance backgrounds who set out to address the high interest rates and confusing processes that plagued their own student loan experiences. As such, the company is uniquely positioned in the industry to solve the student lending challenges faced by many Millennials.

Exhibitors

Credible Level 5 | Booth 400

Credible is the simple way for graduates to reduce their student loan payments. Credible provides an independent, transparent marketplace where graduates receive personalized offers from multiple lenders to refinance their student loans.

Dealstruck Level 5 | Booth 515

The Dealstruck lending marketplace connects profitable, small- and medium-sized businesses (SMBs) with innovative credit solutions funded by individual and institutional accredited investors. Unlike the one-size-fits-all approach offered to them by banks and the high-cost, short-term credit offered to them by alternative lenders, Dealstruck provides growing SMBs with a suite of products that give them a credible and transparent path to bankable. Dealstruck is the first online lending platform to offer multiple products to SMBs, and the first to allow investors the freedom to choose specific investments.

First Associates Level 5 | Booth 102

First Associates is the leading third-party loan servicing provider in the marketplace lending industry. Our high-touch levels of service help major platforms improve portfolio performance and build stronger customer relationships. Our modular, turnkey approach to service allows marketplace lending companies to focus on their core activities while increasing the scalability of their organizations. First Associates has more than 25 years of industry experience in the consumer finance industry, state-of-the-art technology and the infrastructure to meet the demands of any client. We’ve received industry recognition for consistently exceeding high performance standards and providing a superior level of support - so you know your customers will receive the highest level of service. Headquartered in San Diego, First Associates has it all: an experienced team of industry veterans with first-rate knowledge and access to exceptional technology to support their efforts. We provide effective services that are scalable, flexible, secure and compliant. We have developed strong relationships with rating agencies, money center banks, investment banks, trustees and other financial market participants. In fact, First Associates is the backup servicer for the first securitization of marketplace loans rated that has been rated by Moodys. We service a wide range of asset classes, including:• Small business• Merchant cash advance• Marketplace lending• Consumer loans & leases• Solar• Automotive• Student loans• Marine, powersports, RV and mobile homes loans

Fundera Level 5 | Booth 800

Launched in February 2014, Fundera is the online marketplace that connects small business owners with the best funding provider for their business. Fundera works with a network of more than 25 prescreened lenders — including Funding Circle, Lending Club, OnDeck, and CAN Capital — to assemble the highest quality funding sources for small business owners. The marketplace model, where borrowers can apply to multiple lenders with one common application, enables merchants to manage their entire financing process in one single place while securing their best offers at the lowest rates. Fundera’s service is entirely free for the borrower. Fundera has raised $5 million from Khosla Ventures, First Round Capital, QED Investors, SV Angel, and angel investors David Rosenblatt and Aaron Levie, and are based in New York City.

Garnet Capital Advisors Level 5 | Booth 210

Garnet Capital is a loan sale advisory firm focused on providing industry-best-practice services to creditors selling loan portfolios. Garnet’s principals have decades of experience in introducing new markets to their bank clients. Garnet was founded by Lou DiPalma, Sean McVity and Robin Ishmael - industry leaders who began their loan sale careers together in the early 1990s. Garnet’s loan sale expertise covers all asset types (Consumer, Commercial and Residential) and performance levels (Performing, Non- and Sub-performing, as well as Charged-Off).



Exhibitors

Goodwin Procter LLP Level 5 | Booth 711

Goodwin Procter is a leading Am Law 50 and Global 50 law firm, with offices across the United States and in Europe and Asia. Goodwin Procter’s FinTech Practice is backed by a cross-disciplinary team of more than 60 attorneys with a known reputation of working with both established and emerging businesses in virtually all segments of the market covering financial services, private equity, technology, investigations, intellectual property, consumer financial services and business and securities litigation. The practice counsels a wide variety of clients in the FinTech sector, advising them on a range of matters, including digital currencies, payment systems, online foreign exchanges, peer-to-peer lending, global securities lending and trading, consumer privacy and information management, financial risk assessment and payroll management solutions. Please visit Goodwin’s FinTech Practice web page to learn more.

Herio Capital Level 5 | Booth 204

Our mission at Herio Capital is to provide Small Businesses with fairly priced capital, in a simple, friendly and transparent way, using the right mix of technology, security and human insight. Continuing the work and progress of our predecessors, our goal is to create the next generation of Small Business Lending. Partnered with the most accurate, secure data sources, we seamlessly populate a proprietary scoring algorithm that measures a business’ overall health. Our technologists are strong, and we employ the highest levels of encryption and security protocols. Our model is appropriately conservative, fluid, and will continuously adapt. Our capital structure allows us to solve problems that others face, and has enabled us to further our thinking as to the industries and credit spectrum we serve. Additionally, it helps us to be creative in our pricing and repayment schedules with our customers and partners. We pride ourselves on human insight and in how we serve the Small Business Community. Before joining forces, the partners at Herio have collectively funded over $1 Billion to more than 10,000 businesses, in nearly 700 industries. Our insight is deep and broad. The next generation in Small Business Lending is here, and it is Herio Capital.

iFunding Level 5 | Booth 802

iFunding is a leading real estate crowdfunding platform, facilitating debt and equity fundraising for properties range from single family homes, to multi-family residences and condominium estates, apartment towers, hotels and resorts, retail locations, malls, offices and mixed use buildings, and more. iFunding provides opportunities for accredited investors to invest in institutional-quality real estate deals, with a minimum investment of just $5,000. The company directly oversees deals throughout their lifespan, providing extensive information and transparency to give investors insight and oversight into their investments. It also partners with family offices to co-fund opportunities with its individual investors. Visit http://www.ifunding.co or call 844-367-4386.

LendInvest Level 5 | Booth 226

LendInvest is the world’s largest peer-to-peer marketplace for real estate mortgages.

Exhibitors

Lending Home Level 5 | Booth 704

LendingHome is based on the premise that real estate lending is a complex, inefficient, non-transparent process that should be made simple and accessible for borrowers and investors alike. LendingHome combines the very best technology, consumer experience, data analysis, and private investment platform to provide real estate loans that are fast, flexible, and competitively priced. We make it possible for everyone from the small common investor up to the large institutional fund to invest in real estate securities that have attractive yields and are easy to understand. The loan application process is a breeze. Borrowers can apply online and see a customized term sheet in minutes. The entire loan process is designed to be easy and transparent with dedicated help at every step of the way. Most loans close within 10-14 days of a completed application. The vast majority of investment volume on LendingHome comes from institutional investors purchasing whole loans. These investors include some of the world’s largest private equity firms, hedge funds, and other mortgage buyers. The LendingHome leadership team combines three areas of expertise: Real Estate, Technology, and Finance. Their background includes successfully managing large residential real estate companies, founding notable technology start-ups, and creating marketplace lending platforms that are now public companies. Whether you are a borrower, investor, or connected to the real estate world in any way, we would love to help you with all your financing needs.

Lendio Level 5 | Booth 701

Lendio is the leading small business lending marketplace that helps business owners find the right small business loans within minutes. The center of small business lending, our passion is fueling the American Dream by uniting the small business loan industry and bringing all options together in one place—from short-term specialty financing to long-term low-interest traditional loans. Our technology makes small business lending simple, decreasing the amount of time and effort it takes to secure funding. For more information visit www.lendio.com

LoanNow Level 5 | Booth 706

LoanNow provides investors a return that is among the industry’s highest. Moreover, we offer the opportunity to do well by doing good. Our socially responsible model is bringing affordable installment loans to thousands of underserved Americans. LoanNow’s executive team has a long track record of success in the consumer finance space, and the technology team includes minds from some of the nation’s most innovative companies. This synergistic combination of finance and technology has positioned LoanNow to rocket from launch to leader in the subprime online lending market.Our innovative approach to lending is poised to disrupt the traditional alternatives, and the result will be beneficial for investors and consumers alike.

Lob Level 5 | Booth 203

Lob provides a print and mail API that enables companies to send physical mail as easily as sending email. Developers can use Lob to send transactional postcards, posters, letters, photos, checks, and greeting cards via an API. These tools that allow businesses to build scalable and powerful applications for automated direct mail and triggered automated customer communications. Lob is based in San Francisco, CA and is venture backed with over 5000 customers including Intuit, Lendup, Porch, and Ubiquiti Networks.

Money360 Level 5 | Booth 513

Money360 is a peer-to-peer / marketplace lending platform that serves as both a primary and secondary market for commercial real estate loans. Money360 offers borrowers speed, convenience and reasonable terms while offering investors direct access to new and seasoned commercial real estate loans. Investors range from high-net-worth individuals to commercial banks to multi-billion-dollar institutional investment managers seeking better risk-adjusted returns than those offered by traditional investment vehicles. For the past seven years, Money360’s affiliate, G8 Capital, has been creating significant opportunities in distressed real estate markets, leveraging its many relationships with banks, investors, borrowers and real estate/note sellers. Money360 was founded in 2010, pioneering peer-to-peer lending for commercial real estate. Today, Money360 is taking advantage of recent regulatory changes that allow it to market private investment opportunities on its public website, helping accredited investors find attractive investment opportunities and helping borrows obtain the funding they need.



Exhibitors

Nortridge Software Company Level 5 | Booth 509

Nortridge Software is a well recognized and established company in the loan servicing market. Their product, the Nortridge Loan System (NLS), is a flexible, robust and cost effective loan servicing system for the entire loan life cycle. NLS provides the flexibility, improved automation and controls to service multiple types of loans. From originations, servicing, reporting, work flows and collections, this single application will meet your challenges and provide timely and accurate information. Both a license and hosted option are available.

NSR Invest Level 5 | Booth 208

Our mission is nothing short of rebuilding the fabric of our economy. We do this by providing a direct, guided connection between investors and borrowers, eliminating the inefficient middle layer of our financial system. We empower individuals with intelligent access to marketplace lending investment opportunities. We enable financial advisors to offer plug-and-play marketplace lending investment opportunities to their clients. We provide institutional class investment technologies to family offices and institutional clients. The company’s core technology, NSR Platform, is a full technology stack supporting interactive analytics, custom modeling, model hosting, algorithmic investing, order execution, portfolio management and reporting. NSR Invest was born out of the merger of Lend Academy Investments and Nickel Steamroller. LAI had market intelligence, education and service at its core. NSR was (and is) the leading individual account management platform in the marketplace lending industry, well known for its reliability, speed and responsiveness. Together, we offer a full suite of investment services specifically designed for marketplace lending. Our impact is enormous, not only on client wealth but on the economy on which we depend, and the society in which we live. Learn more at www.nsrinvest.com

Opus Fund Services Level 5 | Booth 525

Opus was established in 2006 and is a leading independent and privately owned full service fund administration company providing automated, integrated middle and back office administration services to hedge funds and asset management firms. Opus has offices in Bermuda, Chicago, Naperville, New York, Portland OR, and San Francisco. Opus Fund Services (Bermuda) Ltd. is licensed by the Bermuda Monetary Authority under the Investment Funds Act 2006. For further information see www.opusfundservices.com or contact one of our offices, or follow us on Twitter at @Opusfundservice.

P2BInvestor Inc. Level 5 | Booth 409

P2Binvestor (P2Bi) is a crowdfunding platform for business lending. P2Bi combines technology with crowdsourcing to simplify lending and provide efficient and competitively priced growth capital to small and midsize businesses. The company offers receivables financing, an asset-backed line of credit, working capital secured by contractual future revenue (designed especially for SaaS companies), and purchase order financing. P2Bi provides lines of credit in the $250,000 to $5 million range and lends to U.S. companies in various industries including technology, energy, personnel services, natural foods and beverages, manufacturing, and more. P2Bi’s investor crowd is limited to accredited investor participation.

Patch of Land Level 5 | Booth 201

Patch of Land is a Peer-to-Real-Estate (P2RE) lending marketplace that matches accredited and institutional investors seeking high-yield, short-term, asset-collateralized investments to borrowers seeking more timely and consistent sources of funding for rebuilding properties across America. Based on past performance, investors have enjoyed higher yields compared to other widely available short-term instruments, without the hassles of real estate management. Patch of Land solves the problem of inefficient, fragmented, and opaque real estate private lending by using technology and data-driven processes to efficiently, transparently underwrite loans at scale for borrowers with real estate projects that are routinely bypassed by traditional lenders. For more information about Patch of Land, and to register as an investor or as a borrower, visit www.patchofland.com.

Exhibitors

PeerTrader Level 5 | Booth 523

PeerTrader is a comprehensive research, analysis and API-based execution platform for peer-to-peer lenders. Our product includes tools for developing, backtesting, and implmenting investment strategies, in addition to risk management, portfolio analysis, and a full range of reporting, alerting, and monitoring capabilities. PeerTrader provides a low-latency API-based connection into peer-to-peer marketplaces to ensure that investors of all sizes are able to deploy capital quickly and efficiently. We can build custom features upon request and provide full integration services to help introduce peer-to-peer lending into your existing trading ecosystem. PeerTrader is a member of 1871, an incubator for Chicago-based tech startups.

Pepper Hamilton LLP Level 5 | Booth 407

Pepper Hamilton LLP is a multi-practice law firm with more than 500 lawyers nationally. The firm provides corporate, litigation and regulatory legal services to leading businesses, governmental entities, nonprofit organizations and individuals throughout the nation and the world. We has industry thought leaders in a variety of disciplines that touch the P2P world including investment and regulatory issues; bank regulation; credit; securities; funds services; web site/intellectual property practices; and more. Pepper knows that no two players in the emerging funding market that encompasses both crowdfunding and peer-to-peer (P2P) online direct lending are alike. We work closely with each of our crowdfunding and P2P clients – platforms, investors and service providers, worldwide – to help them identify the legal issues that arise from their chosen approach to the market and then provide counsel regarding issues that arise as they enter the market and commence operations. Pepper’s Crowdfunding and P2P practice offers the full suite of legal services for the platform and investor, including advising on start-up corporate structuring and compliance and other launch issues; structuring seed and venture capital financing; preparing fund formation documentation; advising on broker-dealer formation, registration and operations; advising on investment adviser registration and operations; and advising with respect to state and federal bank regulatory compliance, privacy and data security, and tax strategies.

Petra Partners LLC Level 5 | Booth 804

Petra Partners is a NY-based asset manager that specializes in both global macro and fixed income strategies. Through its proprietary, artificial intelligence-based trading platform, Petra Partners’ latest fund, Petra Credit Fund I, LP, invests in loans originated by marketplace lending platforms and has demonstrated an ability to generate relatively high yield while simultaneously minimizing both risk and volatility. Ultimately, Petra Partners is of the opinion that marketplace lending is poised for tremendous growth that is sure to have a meaningful impact on global finance and that its significant presence in the space is quite propitious.

Portfolio Financial Servicing Company Level 5 | Booth 305

Portfolio Financial Servicing Company (“PFSC”) is one of the largest independent servicers of consumer and commercial loans and leases in the U.S. and Canada. Since 1992, PFSC has successfully serviced and managed tens of billions of dollars in assets for its clients. Banks, specialty finance companies, insurance companies, and hedge funds, among others, have benefited from PFSC’s portfolio servicing expertise. PFSC also has broad experience in the ABS markets, having been contractually engaged across approximately 50 securitization facilities. PFSC is the primary or backup servicer for a variety of platforms across the consumer and commercial continuum. We have particular expertise in the following segments: small business and unsecured consumer loans, small-ticket and middle market leases, consumer and commercial auto and marine contracts, private label vendor programs, crowd funding/peer-to-peer platforms, and insurance premium finance contracts. Primary servicing covers the spectrum from contract funding through final disposition. Our backup services are robust and cover the spectrum of readiness. PFSC services assets in all 50 states, Puerto Rico, and substantially all provinces/territories across Canada. PFSC is subject to annual SSAE 16 Type II (\”SOC 1\”) control audits, and employs a highly tenured and skilled work force. More information can be found at www.pfsc.com.



Exhibitors

QuarterSpot Level 5 | Booth 517

QuarterSpot is one of the first online marketplaces connecting small business borrowers and investors. The company’s mission is to provide affordable capital with flexible terms to borrowers and provide risk-adjusted returns to investors through innovation and technology. Our proprietary technology platform and QuarterSpot Score use advanced machine learning and statistical techniques to assess small business default risk and deliver smart credit decisions quickly. In as little as one business day, a small business can receive a fully amortizing loan of up to $200,000 without an owner’s personal guarantee.On June 20th, 2013, QuarterSpot launched its marketplace at the first ever Lendit conference. By leveraging our team’s broad experience in technology, risk management, lending and business strategy, we have created a marketplace that is contributing to the transformation of small business finance while creating the opportunity for socially impactful investing. Our company has an A+ rating with the Better Business Bureau and is committed to transparency and to providing excellent customer service.

Realty Mogul Level 5 | Booth 303

Realty Mogul allows investors to become equity holders in real estate opportunities that were historically difficult to access. Through the use of the Realty Mogul web platform, investors can browse and screen real estate investments, view details of an investment and sign legal documents online.

Richards Kibbe & Orbe LLP Level 5 | Booth 227

Richards Kibbe & Orbe LLP has an extensive history representing clients in new and disruptive financial markets. We are at the forefront of the opportunities and challenges facing both marketplace lending platforms and investors in this new asset class. Our lawyers draw upon more than two decades of experience in alternative investment strategies and secondary market trading, including developing market standards for emerging trading opportunities and counseling market leaders in complex illiquid investments. RK&O conducts a highly collaborative legal practice with approximately 70 lawyers based in New York, Washington, D.C. and London. We routinely represent financial institutions and investment funds in high-value corporate transactions and complex litigation and regulatory matters. We focus on adding value by finding thoughtful, creative solutions to the hardest legal problems in a manner carefully tailored to our clients’ objectives. Clients regularly turn to RK&O for insight on legal and regulatory developments, economic opportunities and the outlook for future growth in the marketplace lending industry. Our lawyers have presented to P2P industry organizations and authored several white papers on legal issues facing the market.

StreetShares Level 5 | Booth 710

StreetShares is an affinity-based, social lender that connects small business owners with retail and institutional investors by shared affinities. StreetShares blends peer-to-peer lending with traditional banking. Business owners personally pitch their loan requests, and StreetShares investor members compete to fund their loans. It’s like ‘Shark Tank meets eBay.’ As their first affinity, StreetShares provides funding to military Veteran business owners, which account for 1 in 9 small businesses in the United States. StreetShares underwrites, originates, and services, term, unsecured loans up to $50,000.

TrueAccord Level 5 | Booth 510

TrueAccord is helping to transform the debt collection industry, a broken and antiquated system. Consumers are treated poorly, businesses are leaving billions on the table and government regulators are beginning to swoop in. Debt affects almost everyone and roughly 77 million Americans currently have debt in collections. On the flip side, each year, businesses of all sizes lose billions of dollars to the millions of consumers who are unaware or do not pay their invoice. Money is lost both in unpaid bills but also in lost business relationships – some of which can be recovered if handled by experts rather than the blunt force of traditional debt collectors. TrueAccord is solving this problem through the use of digital channels, data-driven optimization and contemporary behavioral science research. As a result, more customers catch up with their unpaid bills and more relationships are restored. Through its technology and approach, TrueAccord offers a completely different solution for the debt collection process – one that brings transparency, ease of use, and digitization. The TrueAccord solution is 10X more efficient than traditional debt collection services while reaching many more debtors than before, and offering them an automated solution that doesn’t require hiring expensive operations teams while providing the easy user experience they’ve come to expect from every financial services system.

Start-Up Zone

ApplePie Capital Level 5 | S2

ApplePie Capital provides a fresh new approach to franchise financing. Our franchise loan marketplace enables franchise entrepreneurs to efficiently access capital from our growing network of individual and institutional investors, as well as their own network and community. This previously difficult-to-access asset class of franchise loan investments offers investors the ability to earn attractive risk-adjusted returns with the brands they know and trust. ApplePie Capital believes in the power of the franchise industry to create economic growth and jobs, and is committed to fueling that growth by bringing market participants together in a whole new way.

BitBond Level 5 | S8

Bitbond is a global peer-to-peer bitcoin lending platform. We provide access to affordable loans and profitable fixed income investments. Bitbond users don’t need a bank account. Therefore, everybody who has an internet connection can get a loan or invest their savings for interest. Bitbond is the first global market for small business loans.

Bolstr Level 5 | S6

Bolstr is a marketplace lending platform where emerging consumer, retail and manufacturing businesses can raise growth capital from accredited investors. Bolstr uses an innovative revenue sharing loan structure, where businesses can raise $25,000 - $500,000, and make flexible monthly payments to investors that are sized proportionally to their revenue. Investors are repaid monthly until they earn a predetermined multiple back on their investment. Revenue-based repayment means additional upside for investors since their payback duration is shortened when businesses grow. For more information, please visit bolstr.com.

Confident Financial Solutions Level 5 | S12

Confident Financial Solutions offers Service Repair Order financing to both Franchised OEM Dealer network and Independent Service Repair centers. We offer simple interest loans based upon our propriety risk analysis. Our goal is to develop the highest quality financial solutions for automotive service centers and their customers. With Confident Financial Solutions (CFS), a customer can borrow the money they need to fix their car and get back on the road. The application is quick, our approval rate is high, and you’ll get an answer in minutes.

Credibility Capital Level 5 | S7

Credibility Capital is a marketplace lender focused exclusively on the needs of small businesses. Founded in 2013, the Company sources its borrowers through its exclusive partnership with Dun & Bradstreet Credibility Corp., which has approximately 500 Credit Advisors providing small businesses with credit-building and credibility solutions. This unique partnership enables the company to calculate its proprietary Credibility Capital Risk Score using relatively little input from the business owner. Credibility Capital’s initial product is a two-year monthly pay loan ranging from $10,000 to $150,000. Credibility Capital seeks to identify the most creditworthy borrowers that are being overlooked by banks.



Start-Up Zone

Croudify Level 5 | S16

At Croudify we are creating an ecosystem of tools and services to bring Direct Investing to main stream. As a first step towards this goal, we are creating a Secondary market place for independently rated and priced loans/notes originated at P2P & Crowdfunding platforms. We plan to launch our secondary market in beta integrated with Lending Club in May. Our platform will provide access to Lending Club’s complete secondary market inventory with pricing guidance and independent ratings for each listed note. Over this summer we expect to add other asset classes to our platform. Once fully functional, an investor on Croudify you can:1) Manage investments across platforms at a single place2) Have access to uniform ratings across platforms3) Monitor holistic performance of portfolio with updated risk ratings and pricing4) Have the flexibility to exit and enter investments based on market conditions5) Improve investing using intelligence driven recommendation engine.To get started you can reach out to Abhishek Agarwal at [email protected] or Sangam Singh at [email protected].

dv�1 Level 5 | S1

dv01 is a platform connecting institutional investors to whole loan & securitized markets, including p2p platforms, that facilitates business between all institutions by providing structure and simplicity to all aspects of the transaction - from analytics to portfolio management and reporting.

FundThrough Level 5 | S11

FundThrough is Canada’s first active marketplace lender, focused on secured loans for B2B companies. We advanced our first loans in June 2014. We use proprietary technology to monitor client receivables as security and manage credit limits.

Grouplend Level 5 | S9

Grouplend is Canada’s first marketplace lender and we’re on a mission to help people save money and improve their lives. Creditworthy borrowers have access to quicker, more affordable, and more convenient loans than banks and credit card companies can provide. Meanwhile, suitable investors enjoy an opportunity to access a historically stable asset class at an attractive risk adjusted return. We are pioneering a new borrowing experience, replacing manual, paper-based processes with cutting edge, data-driven technology. Impersonal branches have given way to friendly user interfaces. Business hours have fallen to an always-on, personalized experience that is accessible from anywhere. Borrowers can get free personalized quotes right from their computer, phone, or tablet, and the money will be deposited directly into their bank account as soon as the next day. Our rates start from 6.9% APR, and with our loans, what you see is what you get.

Lend2Fund Level 5 | S4

Lend2Fund is an Australian lending marketplace for commercial real estate. Our target customers are sophisticated investors looking for higher yield, secured investments, and commercial property owners and developers seeking a more competitive alternative to borrowing from a bank. Our marketplace is built on a functionally rich platform that takes the best features from institutional financial markets and applies it to our market for commercial property lending. It provides real time pricing and bidding for loans, along with detailed market and loan data. All data is available through an open API to allow investors to compare and analyse loans. Each loan is supported by mandatory due diligence documentation, including independence valuation and legal confirmation of title. Cash transfers and safe custody of the security over the property are held through a respected financial institution. Our team have deep industry experience coming from leading institutional banks Goldman Sachs, Macquarie Bank and Westpac Bank and cover all areas of technology, markets (London Stock Exchange, Sydney Futures Exchange), investment banking, wealth management, finance, legal, risk and compliance. We have applied these skills to create the next generation of lending marketplace. Our launch has been timed with the beginning of the LendIt conference in April 2015.

Start-Up Zone

LendLayer Level 5 | S13

LendLayer is a peer-to-peer lending platform financing alternative education. We are dedicated to the success of students and young professionals who are passionate about investing in themselves by discovering and creating careers. As a company built by previous students of tech bootcamps, we personally understand the financial complications and difficulties for both students and schools. We aim to enhance and simplify the financing process and borrower experience in order to allow students to advance or change the trajectory of their careers. Together we believe that we can empower the future of education through peer-to-peer lending and help people reach their professional goals.

LendStreet Level 5 | S15

LendStreet is a lending platform helping consumers restructure and refinance debt while enabling investors to buy the loans at a discount.

LendZoan Level 5 | S10

LendZoan is an active peer-to-peer real estate marketplace connecting accredited investors to borrowers with high quality projects through local experts. Unlike crowdfunding platforms, the LendZoan marketplace leverages local experts in combination with shorter-term deals to unlock a steady supply of asset backed, highly liquid investment opportunities while providing entrepreneurs and borrowers with easy access to capital on more attractive terms.

OverseaCrowd Level 5 | S14

OverseaCrowd is a Shanghai based crowdfunding platform that revolutionizes overseas real estate investment for Chinese investors. Focusing on high cash-flow real estate projects in the U.S. and U.K., such as student housing and retail commercial buildings, OverseaCrowd seamlessly integrates the crowdfunding model with Chinese outbound real estate investment. OverseaCrowd launched in 2014 and the platform was met with immediate enthusiasm from Chinese investors and high-net-worth individuals alike. The platform surpassed the $10 million project financing milestone in the first quarter of 2015, within months of its launch. OverseaCrowd is currently working with AXA, one of the largest insurance companies in the world, to launch its second product this May. Overseacrowd’s goal is to become the nexus that interconnects Chinese investors with the global investment options and prime service markets.

REAMERGE Level 5 | S5

REAMERGE is a peer-to-business lending platform, which connects lenders with small businesses that need capital to purchase equipment, perform renovations or expand their businesses into new markets. Our focus is on providing financing to convenience stores and non-branded retail chains with steady cash flows and excellent track record. What makes REAMERGE unique is that businesses raising capital on our platform are usually tied to real estate, which is a tangible asset providing great equity cushion. With our focus on businesses with excellent cash flow and high value collateral, we have achieved superior risk mitigation and strong downside protection. With combined decades of experience serving the needs of small businesses, we are confident that investors will find the platform refreshing and unique from other “small business” or pure “real estate” lending platforms.

Yield Crowd Level 5 | S3

Yield Crowd is a marketplace lending platform for asset based products. Yield Crowd targets asset classes with solid underlying credit characteristics and potentially attractive risk adjusted returns, such as real estate loans, non performing debt, structured settlements and more. Our team saw an opportunity to innovate a marketplace that had previously been based on word of mouth and telephone calls. This new marketplace benefits both whole loan investors looking for yield and asset owners looking for liquidity. Investors can leverage our team’s decades of experience and participate in investments that were formerly reserved for large private equity and hedge funds.



Strategic Partners

Accredited Investor Markets

Accredited Investor Markets (AIMkts) is the most reliable source of fundamentals, news analysis, and resources about investing in private equity, venture capital, hedge funds, tangible assets, and pre-IPO shares.

Asset-Backed Alert

Excel in the New-Look Securitization BusinessEvery week, Asset-Backed Alert gives you the earliest word on money-making plays emerging from the transformed ABS and MBS markets. The newsletter makes sense of the changes impacting the securitization of consumer loans, home mortgages and corporate receivables. See for yourself by signing up for a three-issue FREE trial subscription to Asset-Backed Alert. Start your free trial at ABAlert.com, or call 201-659-1700.

deBanked

Just when technology was finally working to connect the unbanked and underbanked to traditional financial services, a new class of consumer emerged, the debanked. This group has access to banking services but they reject them. Instead they crowdfund online to raise money, earn interest through member payment dependent notes instead of savings accounts, and maybe, just maybe flirt with bitcoin. deBanked magazine was founded by merchant cash advance industry veteran Sean Murray. With deep roots in a niche market, Murray began documenting his experiences as an underwriter and salesman on his blog in 2010. Now a full-fledged publication and distributed in print, deBanked is your guide to the online lending universe. While our team of experienced journalists work to bring you stories you can’t find anywhere else, Murray remains an especially hands-on observer. He invests in platform loans, syndicates in merchant cash advances, and mines bitcoins. We’ve officially deBanked, have you?

Family Office Association

The Family Office Association (FOA) is a Greenwich, Connecticut-based global membership organization that delivers private educational and networking opportunities, proprietary research, and access to salient thought leadership to multiple generations of wealthy families and the professionals who run their single-family offices.

Property Funds World

Property Funds World is the property fund industry’s leading portal on news and topical features, including updates on new fund launches, investment trends, regulatory news and distribution strategies, and a regular series of market surveys and fund manager interviews. Property Funds World produces a free weekly and a daily newsletter covering essential news and features within the property fund industry as well as an extensive special reports series.

The New York Hedge Fund Roundtable

The New York Hedge Fund Roundtable is a non-profit organization committed to promoting education and best practices in the hedge fund industry. Our membership is comprised of investors, investment managers and other industry professionals who meet regularly to share insights and connect with like-minded colleagues. We host events featuring a wide range of thought-provoking speakers, which provide our members the opportunity to garner useful information and exchange ideas. Our goal is to create a forum for thought leadership where professionals can enhance their skills and network with others committed to advancing the industry along the highest ethical standards.

The Strontium Group

The Strontium Group is an advisory firm dedicated to cross-border venture projects. Our council of global advisors provide on-the ground due diligence, strategic planning, intelligence activities, partnership matching, and business development. Strontium Advisors have a minimum of 15 years experience in global markets. Strontium Group is the exclusive partner for LendIt China activities.

Strategic Partners

SyncUS LLC.

SyncUS International is a business consulting and services firm which focuses on China inbound clients. We provide cutomized solutions in the areas of business connection, marketing, due diligence, joint venture, and M&A. We also help partnered US event organizers to promote their events and conferences in China. SyncUS International was established in 2009. We currently have offices and contacts in Shanghai, Chicago, New York, and San Francisco. We are a US National Tourism Association (NTA) member which has been certified by both US Department of State and the China National Tourism Administration to host business travelers in States. In 2014, we were granted the Annual Business Trip Operater of Excellence by China Business News (CBN).

Binary Investment Consulting

Binary Introduction:Professional Internet financial service institute.Research the theoretical framework of the Internet financial, business model, product design, published professional research and data analysis reports, provide enterprises with leading edge, the operational business consulting and training, operating vertical media platform meanwhile, for the Internet financial practitioners and users to provide data, information and other professional tools.Binary Research:Binary offers cutting-edge research with the theory and practice on the basis of data and cases, professional books and reports published, providing business solutions and training programs.Internet financial research covers the P2P lending, the raise, traditional digital currency, Internet banking, traditional financial institutions and business niche. Financial asset covers assure small loans, pawn, financing lease, commercial factoring, instrument and so on.Binary Data:Binary has completed the largest database on domestic P2P lending, crowd founding in the internet financial industry and formed a dynamically quantitative analysis of the data. Binary has become the reliable data provider for the industry association, the media, the university, and the relevant government departments. In addition, Binary could also give users with professional, convenient and efficient tool in financial investment.

ZhongGuanCun International Finance Institute

Zhongguancun Internet Finance Institute (CZIFI), is China’s first and only research institute for internet finance. CZIFI differentiates itself by clearly demonstrating: Strong Government Support. CZIFI was formally established in May 2014 with the approval of Beijing Civil Affairs Bureau under the guidance by Administrative Committee of Zhuangguancun Science Park, Beijing Municipal Bureau of Financial Work, and Beijing Municipal Haidian District People’s Government. Unparalleled Platform. Mr. JIA Kang, distinguished economist, and Director of Research Institute for Fiscal Science, Ministry of Finance, serves as the Dean to CZIFI to promote rapid development of internet finance by establishing a versatile platform for dialogue, R&D, talent expansion, and industry alliance. CZIFI is the founder of the ZhongGuanCun P2P association, a network of established P2P companies joining together to cultivate shared vision and serve as the driving force to self-regulate the fast-moving P2P lending industry in China. Members of the association are considered major participants while the government is seeking constructive advice to formulate policies in the field of P2P lending.

WangDaiZhiJia

As the first and largest P2P lending information website in China, WangDaiZhiJia launched in October 2011. WangDaiZhiJia is affiliated with Shang Hai Ying Can InvestmentManagement Consulting Co. , Ltd. as same as Touzhijia, Yingcan Consulting, Yingcan Technology, Yingcan Wealth and Yunzhengxin. It’s the pioneer in the field of providing P2P lending information about 2000 P2P lending platforms in this industry . WangDaiZhiJia is dedicated to promoting the P2P lending industry and provides service of high quality to investors. WangDaiZhiJia ——The Professional P2P lending information website along with you!


Sponsors & Exhibitors

Logical Glue gets you faster to market, gives you the most accurate models, integrates and deploys with your systems to process applications in real-time and even tells you the reasons how and why all decisions are taken.

Logical Glue is used by P2P companies, point of sale lenders,SME lenders, challenger banks and others offering alternative finance to realize the benefits of self-learning predictive models for customer acquisition, credit adjudication, lending limits, risk based pricing, and debt recovery.

www.logicalglue.com

Contact us for more [email protected]

The best predictive analytics software for credit risk. Period.

Logical_Glue_Half_pg_ad_v2.indd 2 27/03/2015 12:48

www.ondeck.com/marketplace

POWERING THE GROWTH OF SMALL BUSINESSTHROUGH LENDING & TECHNOLOGY INNOVATION


Online capital that’s good for small business

www.lightercapital.com

MEET US AT BOOTH 608 TO LEARN MORE

Long Term Funding · Credit Analysis 2.0 Capital–as–a–Service™

STUDENT LOAN REFINANCING

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www.lendkey.com

Transforming Online Lending

PRIVATE STUDENT LOANS

Are you ready to do more with Marketplace Loans?

We are the industry’s leading qualifi ed custodian for marketplace loans. You’ll be amazed at our responsiveness, fl exibility and innovative solutions. Whatever you want to do, we make the custody easy so you can do more.

Millennium Trust Company performs the duties of a custodian and, as such, does not provide any investment advice, nor offer any tax or legal advice.

Launch a Platform

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To learn more about our services, visit us at: www.mtrustcompany.com.YEARS OFBUSINESS15

THE SMARTALTERNATIVE

empowering the investing communitywith intelligent access to

marketplace lending opportunities

Come see us at booth #208

nsrinvest.comcontact: [email protected]

Lend Academy Investments & Nickel Steamrollerare now one.

access intelligence real returns

Partner with the Ethical Leader in Small Business

Financing

866-615-4747www.businessbacker.com

Our mission is to help small businesses �ourish and grow by providing the best options at the

best rates with complete transparency.

See us at Booth #511 for a $250 Gift Card Giveaway!


POWERED BY

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LiftForward,IncSmall Business Loans

LiftForward,IncSmall Business Loans

Invest with Confidence

Contact us at [email protected] to speak to a team member and learn more.

Since its inception, LiftForward has delivered consistent, high yielding returns to investors of all types including hedge funds, asset managers and community banks. We have a rigorous technology-driven loan underwriting process created and supported by underwriters who grew up in the business.

Intelligent investing in the rapidly changing marketplace lending arena

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CAN Capital has been helping small and medium-sized businesses get ahead. Our cutting-edge technology, quick application and approval processes, customer-focused deliverym and great service have helpt us at the forefront of the industry.

www.assetzcapital.co.ukSME Funding Real Estate Invoice Finance Trade Finance

Assetz Capital provides fast and flexible finance to UK SMEs and Property Developers through an established community of lenders

Visit assetzcapital.co.uk to learn more

UK Based, Global Ambition

© 2015 BDO USA, LLP. All rights reserved.

The Financial Services Practice at BDOBDO’s Financial Services practice provides the highly specialized tax, assurance, and consulting services required in an evolving regulatory environment. Our deep commitment to client service is matched only by our in-depth knowledge of the issues – and changes – that affect marketplace lending companies today.

Accountants and Consultantswww.bdo.com/fi nancial-services

“How exactly do these new regulations affect us?”People who know Financial Services, know BDO.

Mike Soza, Partner415-490-3233 [email protected]

Kevin Bianchi, [email protected]

Ignacio Griego, [email protected]

www.fico.com

Tweet for a Treat For a chance to win a $250 gift card

Ask us how! Visit Booth No. 600#p2plending #marketplacelending#fico

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Participating Companies01caijing.com9F bankA U Holdings, LLCa16zAarya CapitalABL AdvisorAble LendingABLSoftAccentureAccess Softek, Inc.Accion, the U.S. NetworkAccount TechnologiesAcrecent Financial CorporationACS Associates, Inc/Get FinancingAdvanceit FinancialAequitas Capital ManagementAffirmAfluentaAirZoloAite GroupAliyaAlliance BernsteinAlliance PartnersAlly Financial Inc.Alpha Credit Resources, LLCAlpha Law FirmAlternative Capital AssociatesAltFi.comAltpoint VenturesAmadeus Capital PartnersAmazon Capital ServicesAmazon.comAmerican BankerAmerican ExpressAmerican Healthcare LendingAmerican Homeowner PreservationAmerican Mortgage Consultants (AMC)AmicCAREAmicus PlcAmida SpecialAmMACAmOne.comAndell Inc.Androscoggin BankAnfexiApollo Education GroupApollo Management LPApplePie CapitalApplied Data Finance, LLCArbor VenturesArcadia FundsAres ManagementArgon CreditArvato Financial SolutionsAscend Consumer FinanceAssetAvenue, Inc.Asset-Backed AlertAssetz CapitalAssurantAtalaya Capital ManagementATB FinancialAtlanticus Corp.Auction.comAUTO ONE ACCEPTANCEAutonomous ResearchAuxmoneyAVALOANAvantBain Capital VenturesBallard Spahr LLPBanjo LoansBank of AmericaBarclays Wealth ManagmentBarronsBasePoint Capital LLCBBVA

BDO USABeecher CarlsonBeehive Group DMCCBeijing Xingshengsi Education Technology, LLCBerkery, Noyes & Co., LLCBernard Levy & CompanyBessemer Venture PartnersBetter Finance, Inc.Better Office Apps Ltd.Bigstone CapitalBinary Investment ConsultingBirchmere AdvisorsBitBondBiz2CreditBizpetrolBlackrockBlend LabsBloomberg MarketsBluCreditBlue Elephant Capital Management, LLCBlue Ridge CapitalBlueVine CapitalBlueYieldBlumberg CapitalBMC BancsharesBMO Capital MarketsBNY MellonBolstrBond StreetBondloopBondoraBonell Ryan Executive SearchBonwick Capital PartnersBorroBorrowellBorrowersFirst, Inc.BovillBrightwater Capital, LLCBristlecone HoldingsBryant Park CapitalBTIGBurr Pilger Mayer, Inc.Business Financial ServicesBusiness InsiderC2FOCain Hoy EnterprisesCAN CapitalCanaan PartnersCapAccel, LPCapcoCapital Business Credit LLCCapital OneCapital One VenturesCapital PartnersCapitalSourceCardWorksCarlile AssociatesCarmel VenturesCarVal InvestorsCashforceCavalry Investments, LLCCE2 Capital PartnersCedar Hill HoldingsCeltic BankCenturion GroupCFSChapman and Cutler, LPCheer LendingChina Rapid FinanceCircleBack Lending, Inc.CITCiti VenturesCitibankCitigroup Global Markets, Inc.CLARITY SERVICES, INC.

Clifford Chance LLPClimb CreditCloud LendingClovelly HouseClub Hill CapitalCMCColchis Capital Management LLCColford Capital, LLCCommonBond, Inc.Commonwealth Bank of AustraliaCommunity Investment ManagementCompassCompass Point Research & TrainingCompStakConfident Financial SolutionsConsumer Financial Protection BureauCONTINUUMeCore Innovation CapitalCornerstone AdvisorsCounty BankCourtyard CapitalCreative Dock s.r.o.Credibility CapitalCredibleCredisferaCredit KarmaCredit Services CorpCredit Sesame, IncCredit Suisse Securities LLCCredit TodayCreditEaseCrediteraCreditloans Canada Financing Inc.CrediyoCrelogix Acceptance CorporationCrestar Group of CompaniesCriteriaCross River BankCrosslend GmbHCroudifyCrowdcredit, Inc.CrunchBaseCTC | myCFOCultivation CapitalCumulus FundingCurrahee Financial, LLCCusCusCustom SpacesDart Data, Inc.DatamyxDB SecuritiesDCM VenturesDealstruckdeBankedDebtwireDebtXDeloitteDemystDataDeutsche Bank Securities IncDevonshire InvestorsDianDiShenBianDianRongDigital Artists EntertainmentDigital Federal Credit UnionDigital OriginDirect Lending Investments, LLCDirectMoney Pty LtdDK CapitalDotcom Enterprises ASDoubleLine CapitalDow Jones VentureWireDowntown LendingdoxIQDrobny CapitalDST Systems, Inc.Duff & Phelps, LLC

Dun & Bradstreet Credibility CorpDV01Eaglewood Capital ManagementEaglewood Europe, LLPEarlySharesEarnestEasycasheBayeBureaueCapitalEchelon Capital Strategies, LLCECMC Servicing CorporationEcoBankEconomic DailyEducational Services of America, Inc.EG Capital AdvisorsEG Private EquityEiffel eCapitalEisnerAmper LLPEllington Management CompanyElvaston Management LLCEmerald Asset Management, Inc.Emerald Direct Lending Advisers, LLCEmerge Financial WellnessEmona CapitalEnliven Financial IncEnova InternationalEnterprising InvestoreOriginal, Inc.ePAY HealthcareEpiphany VentureseProdigy FinancialEquifaxEQUITYMULTIPLEEuclid UnionEU-StartupsEVEN FinancialEvolution Income FundsEvolution Real Estate PartnersExchange CoExperianFair Go FinanceFamily Office AssociationFastlyFastPayFederal Reserve BoardFenway Summer VenturesFerratum OyjFIC Advisors, Inc.FICOFifth Third BankFIG, LLCFinagraphFinanceitFinancial TimesFinexkapFinSight VenturesFinTechFintech CollectiveFintech SolutionsFirst Associates Loan ServicingFirst Data CorporationFirst Liberties FinancialFirst Marblehead CorporationFirst Republic BankFirstrust BankFISFiservFitch RatingsFlagler Investment Management, LLCFlexpoint Ford NY LLCFlock Specialty FinanceFora FinancialForest CapitalFortress Investment GroupForward Financing / 2Dollar Capital

ForwardLine FinancialFoundation CapitalFrancisco PartnersFreedom Financial Asset ManagementFTV CapitalFund My ContractFund364FundationFundbox, Inc.Funded By Crowd / Sharestates.comFundera, Inc.Funding CircleFunding StripFunding WonderFundingStripFunding-UFundriseFundThroughFuture Cash FundFuture Plan PropertyGarnet Capital AdvisorsGarrison Investment GroupGDS Link., LLCGE CapitalGeneral FinancialGeneration Investment ManagementGerson Lehrman GroupGeruGetFinancingGGV CapitalGibraltar CapitalGLI Finance LimitedGlide Capital LLCGlobal Credit InvestmentsGlobalCapitalGoldman Sachs Specialty Lending GroupGoldman, Sachs & Co.Goodwin Procter, LLPGPS Capital Management, LLCGrail PartnersGrassi & Co.Greenhill & Co.GROUNDFLOOR Finance, Inc.GrouplendGTRichesGuarded Capital LLCGuopeiwang.comHanwha Investment Corp.Harlan Capital PartnersHarmoneyHCG FundsHerio CapitalHolland & Knight LLPHoulihan LokeyHouse of Lending AgreementHudson Cook LLPHudson Cove CapitalHVS Capital CorpHwansani.meIA Capital GroupIA VenturesID Analytics, LLCID FinanceIDF Holding LtdIDologyIFGiFundingIMNInalystIndependent ConsultantInfinity Capital FundingInformed PartnersInmost PartnersInsikt IncIntegre Advisors

Intellishore CorporationInter-American Development BankIntooInvestNextDoorIOU Financial Inc.ISB Development CorpITOCHU InternationalIWCO Directiwoca LtdJ.C. Flowers & Co. LLCJ.P. MorganJAC partnersJanus Capital Management, LLCJavlin Capital LLCJCUTLER media groupJefferies, LLCJim Jonassen and Associates Venture SearchJimuboxJinXin99JMP Securities LLCJP AdvisorsJP MorganJunto Capital ManagementKabbage, Inc.Kaixindai FinancingKalamata CapitalKatten Muchin Rosenman LLPKedma Capital llcKeefe, Bruyette & WoodsKhosla VenturesKickfurtherKikka CapitalKilgour Williams CapitalKilowatt FinancialKindling LLCKingdom TrustKKR Capital Markets LLCKlarna ABKlearKPCBKPMG LLPKRAMER LEVIN NAFTALIS & FRANKELKreditechKredito unija “Panevezio regiono taupomoji kasa”Kroll Bond Rating Agency, Inc.Kubo FinancieroKueski, Inc.laserawayL’AtelierLaveer Capital Management, LLCLeaseQ, Inc.LeaseTeam, Inc.LeBruin PrivateLee Equity PartnersLegal Funding Centrallend2fund.comLend AcademyLendaLendableLenddoLenders MarketingLendex Group LimitedLendicoLendify ABLending ArkLending ClubLending Services & InvestmentsLendingHomeLendingMemoLendingPointLendingRobotLendingTreeLendinoLendInvest


Participating CompaniesLendioLendItLendixLendKey TechnologiesLendLayerLendLiftLendLinkLendrise Marketplace, Inc.LendUpLendVantageLendZoanLeucadia National CorporationLevanteLiberisLiberumLiftForward IncLighter CapitalLightStream.com (SunTrust Bank)Lightyear CapitalLionfish CapitalLLC MigCreditLoan Science LLCloanDepot.comLoanHeroLoanMeLoanNowLoanz, Inc.LobLocavestingLoft Solutions - EuropeLoftopiaLogical GlueLogicFILonLone Star FundsLong Ridge Equity PartnersLongitude Partners, IncLooking Glass InvestmentsLord SPV / TMF GroupLOYAL3LufaxLWPARTNERSMacquarieMadison Paige Capital LLCMain & WallMakai Advisory ServicesManatt, Phelps & Phillips, LLPMango Credit Pty LtdMarket Genomics LLCMarketcore.com, Inc.Marlette Funding LLCMarlin LeasingMarqetaMAVAMaynard Cooper & GaleMCANMDV Capital, LLCMeaureOneMenlo VenturesMerchant Advance CapitalMerchant Cash and CapitalMerrill LynchMerrimanMetropolitan CapitalMHP FundsMIAC AnalyticsMiddlemarch PartnersMidori ManagementMightymiiCardMilken InstituteMillennium Trust CompanyMinistry of Strategy and Finance of KoreaMinot’s LightMintosMLV & Co

MMKTMoney 20/20Money360MoneyLion IncMoneyPlaceMonJaMoody’s AnalyticsMoody’s Investors ServicesMoore Capital ManagementMorgan StanleyMorling Financial AdvisorsMorningstar Credit RatingsMosaic, inc.MountainView Capital HoldingsMPOWER FinancingMr PrestaMytripleANapier Park GlobalNASA Federal Credit UnionNational Business CapitalNational Credit, LLCNational Debt ReliefNational Funding, IncNational REIANational Student ClearinghouseNationwide InsuranceNatural IntelligenceNavientNCP FinanceNeedham & CompanyNet Credit Financial Group, Inc.New College Capital LtdNewCoNexlend Capital PartnersNexus StrategyNimbleNiWoDaiNoesisNomura SecuritiesNorthStar Capital FundingNortridgeNoteXNOWaccount Network CorporationNSR InvestNyca PartnersNYPDO3 VenturesOak HC/FTOcean Road AdvisorsOch-Ziff Capital ManagementOliver WymanOmniarch VenturesOMVOnboard InformaticsOnDeck CapitalOne American BankOne Park FinancialOneMain FinancialOnist TechnologiesOnline Lenders AllianceOpen Energy GroupOphrys, LLCOportunOpportunity FundOptionsOpus Fund ServicesOrchard PlatformOrion First FinancialOurCrowdOutset VenturesOvamba Solutions, Inc.Overland AdvisorsOverseacrowdOvid CapitalP2BinvestorPaidy

Paladin Market AdvisorsPassport CapitalPatch of Land Inc.PavePayNet, Inc.Payoff.com Inc.PaypalPayplantPearl Capital Business Funding, LLCPearl Capital LLCPebb CapitalPeerCubePeerformPeerIQPeerStreetPeerTraderPenchina SyndicatePenn State UniversityPeoplefundPepper HamiltonPeppercommPerformLinePetra PartnersPiedmont Business AdvisorsPine River CapitalPing An DirectPitney BowesPlanet Finance ChinaPLC Fund Advisors LLCPlum LendingPokitDokPolarPolsinelliPortfolio Defense Consulting GroupPortfolio Financial Servicing CompanyPPMT Strategic GroupPricewaterhouseCoopersPrimaHealth CreditPrime Meridian Capital Management, LLCPrinceton Alternative FundingPrivate Advisory GroupPrivloProdigy FinanceProdigy NetworkProfessional Bank ServicesProFunder LtdProgress Group, LLCPromise FinancialPropellProspa AdvanceProspect CapitalProspect StreetProsper Healthcare LendingProsper MarketplaceProsperity Bridge CapitalProvident Trust GroupProvident Trust Purisima West FundsPwCQED InvestorsQuarterspotQuartzQuick Bridge FundingQuicken LoansQuorum Federal Credit UnionRackson Asset ManagementRafferty Capital MarketsRainmaker, Inc.RaiseworksRamius LLCRapid Financial Services, LLCRateSetterRateSetter AustraliaRational ExpectationsRBC CMRBS

Real Capital AnalyticsRealCrowdRealty MogulRealtySharesREAMERGERed Hawk Holdings ThreeRED VENTURESReliaMaxRescue One FinancialRetailCapitalReutersRI Student Loan AuthorityRich Dad EducationRichards Kibbe & Orbe LLPRinato Financial, LLCRiposte ManagementRiverNorthRockbridge Growth EquityRoute 66 Ventures.comRRE VenturesRuna CapitalS. Jordan AssociatesSAB Capital Management LPSagaxSam’s Club/WalmartSandler O’Neill & PartnersSands Capital ManagementSantander InnoVenturesSecurity Financial ServicesSeedInvestSeek CapitalSelf Directed IRA Services, Inc.SenaHill PartnersSequoia CapitalSF Capital GroupShadow Tree Capital Management LLCShanghai Lujiazui International Financial Asset Exchange Co.Ltd (Lufax)SharestatesShelving RockShepherd CapitalSheridan Asset Management, LLCShopifySidley Austin LLPSIGSigma Infosolutions LLCSilicon Valley BankSilver Rock FundingSindeoslo industriesSmall Business Lending Services LLCSmallBusinessFunding.comSmart Lenders AM LtdSmartBizSmartika SpaSocietyOneSoFi, Inc.SolarCitySourceMedia inc.Spark CapitalSpecialty Finance Group, LLCSpecialty Funding Company, LLCSpeedy Cash HoldingsSpeedy Group Holdings Corp.Spera, Inc.Split 10 CapitalSpotcap Global Services GmbHSpringleaf Financial InvestorsSquare CapitalStable Asset ManagementStandard & Poor’sStanfordStanley Park VenturesStaplesStatebridge Company, LLCStone Ridge Asset Management

StormHarbour PartnersStrategic Funding SourceStreetSharesStrike Capital ManagementStrontium GroupStudent Loan HeroSunshine GroupSunTrust Robinson HumphreySusan Joseph LLCSusquehanna Growth EquitySwift CapitalSync USSyncora Alternative Investments LLCTA AssociatesTarget VenturesTauliaTechnology Crossover VenturesTencentTesoro FundsTexas Capital Bank, N.A.Thayer StreetThe Board of Governors of the Federal Reserve SystemThe Boston Consulting GroupThe Business BackerThe Credit JunctionThe Data IncubatorThe Interface Financial GroupThe Kessler GroupThe Presidio GroupThe Professional Education InstituteThe Rockefeller FoundationThe Transfinity GroupThe Veld GroupThe Vistria GroupThe Wall Street JournalThiel CapitalThinCats AustraliaThird PointThomvest VenturesThreatMetrixThree Bridge Wealth AdvisorsthriveTide Pool Capital LLCTienda PagoTiger GlobalTilden ParkTIO Networks Corp.Top Dekk Capital SolutionsTop Trend InternationalTormar AssociatesTorQuest PartnersTounaTPG CapitalTradeRiver USA incTraditions CapitalTransamerica VenturesTransUnionTREND FinancialTribeca Venture PartnersTritium Research, IncTrueAccordTrufund Financial Services, Inc.two sigmaUBS - Private Wealth ManagementUBS AGUC BerkeleyUC FundsUK Bond NetworkUniCreditUnifundUnion BankUnited Capital SourceUnited Medical CreditUniversity of ChicagoUpdata Partners

Uplift LoansUpstartUS Small Business AssociationUS TreasuryUSA FundsUvamo CorporationValinor Management, LLCVan EckVaradero CapitalVedaVelocity Portfolio GroupVerisk AnalyticsVerredus Funds Inc.Vertical Point SolutionsVested FinanceVictory Park Capital AdvisorsViking Funding GroupVION InvestmentsVirgo Investment GroupViva Credit IFN SAVouch Financial IncVoyager Pacific CapitalVP Compliance ServicesVSL PartnersVulcan CapitalWaldorf Trade Risk, LLCWall Street JournalWangdaiZhiJiaWarburg Pincus LLCWarrenBrook PartnersWaterfall Asset ManagementWealthForgeWebBankWells Fargo Securities, LLCWest Side AdvisorsWestbon Inc.Westway CapitalWheat FinanceWhetstone Holdings, LLCWhite Pine AdvisorsWilliam BlairWilmore FinanceWinston & Strawn LLPWinStone CapitalWiredWisnton & Strawn LLPWL Ross & CoWolters Kluwer Financial ServicesWomen’s Health SpecialistWongaWorkinvoiceWorthy Ventures LimitedWunderXanadu HoldingXinTongXOR Data ExchangeXPRS Capital, LLCYellowstone CapitalYesGrowth Ltdyicai.comYield CrowdYieldStreet,IncYirendaiYodlee Interactiveyotepresto.comYUP FinanceZencap Global Services GmbHZestFinanceZip Code Capital, Inc. (aka. ZipCap)Zopa


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Plan Your International Business AroundStay Connected

Watch live streamed content, view live photo feeds, read the event blog and follow us on Twitter for non-stop LendIt updates.

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*Past performance is not indicative of future performance. This investment entails a high degree of risk. No returns are guaranteed. This communication is intended only for those persons with an in-depth understanding of the high-risk nature of alternative investments. The communication is general in nature and should not be considered a full statement of the facts pertinent to this message. The investments shown herein may not be suitable for you. All investors should make their own determination of whether or not to make any investment, based on their own respective independent evaluation and analysis. To the knowledge of the sender, this document and the relevant pages herein are: (i) current as of the date of distribution; (ii) subject to change without notice; (iii) directed solely at eligible accredited investors; (iv) not directed at, may not be suitable for, and should not be relied on, by general retail clients. American Homeowner Preservation does not do any of the following: (a) produce in-house research; (b) make recommendations to purchase or sell speci�c securities or provide investment advisory services. All prospective investors are highly encouraged toretain and consult with their own respective independent legal counsel, tax and �nancial advisers, investment advisers and accountants. American Homeowner Preservation, LLC is not a registered broker-dealer, funding portal, or investment advisor and does not conduct any activity that would require such registration. Equity securities are o�ered through WealthForge, LLC, a Virginia limited liability company (“WealthForge”), which is a securities broker/dealer registered with the U.S. Securities and Exchange Commission and a member of the Financial Industry Regulatory Authority, Inc. Individual personnel of American Homeowner Preservation, LLC are registered representatives of WealthForge. WealthForge has developed a business continuity plan on how they will respond to events that signi�cantly disrupt business.

AMERICAN HOMEOWNER PRESERVATION

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High Yield Distressed Mortgage InvestmentsWith Positive Social Impact

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ENGINEERED FOR FAST CASH


Private credit strategy in short-term,high-yield small business loans

The Opportunity

Overview of Strategy

Firm Details Contact

Small businesses significantly overpay for credit. The Direct Lending Income Fund buys and holds a large pool of these cash-flow rich loans in a simple, transparent investment vehicle.

The Fund buys loans directly from small business lenders with whom it has negotiated long-term loan acquisition and servicing relationships.

Borrowers repay daily or weekly via direct debit from their bank account.

Because these underserved borrowers overpay for credit, downside risk protection is substantial: defaults of 22% could be sustained without invading investor principal, yet typical default rates are 6%.

The Fund was engineered to take advantage of the 15 year decline in bank small business lending. This opportunity is sustainable and continues to grow.

ASSETS LOCK-UP INCOME ADMIN AUDIT LEGAL

Brendan RossPresident & Portfolio [email protected]

$152 million as of March 1, 2015NoneReinvested or Paid MonthlyOpus Fund Services EisnerAmperInvestment Law Group

CHECK US OUT AT

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Big Ideas IN

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SMARTER ONBOARDINGFASTER, EASIER, STRONGER

Additional capital needed? Take the express to capital.

CapitalSource provides senior loans to consumer and commercial specialty finance companies and investors across a spectrum of asset classes, including online marketplace lenders and investors.

We can provide you with: Additional capital via a senior credit facility secured by your current

portfolio Loans ranging from $10–$100 million Facilities tailored to originations/investments Timely and efficient execution

If you are ready to take the express to capital, call CapitalSource today.

Andrew C. Koepke, Investment Associate312.706.2127 | [email protected] more information, visit capitalsource.com/lendit15

CapitalSource is a division of Paci�c Western Bank, Member FDIC.

www.orchardplatform.com

[email protected]

@orchardplatform

Orchard is a technology platform

that facilitates the application of

marketplace lending across asset classes.

Orchard enables investors to deploy capital across multiple

originators by providing market data, investment strategy, real-time

trading, portfolio management tools, and unique access to supply.

Orchard enables originators to scale their lending businesses

by connecting them to a diverse set of institutional investment

managers, with full control over data access and loan distribution.


Enhance your customer’s experience and help reduce your riskAlleviate the burden of manual validations and improve efficiencyPrefund with confidence and improve conversion rates

LEAD THE ONLINE LENDING PACK WITH YOUR INSTANT AND

COMPLETE VERIFICATION SOLUTION

– Ovamba targets the 84% of SMEs in Sub-Saharan Africa underserved by banks– These 37 million SME’s have a $368 billion credit gap – one that Ovamba is uniquely positioned to fill– Ovamba is currently the only Marketplace lender operating in a $740B GDP Economic Zone– Ovamba provides local and Euro based, high yield, short-term, totally uncorrelated returns to HNW Diasporan and Institutional investors both within Africa and Globally

Africa specific core banking system I Proprietary credit system I Leading SME debt exchange

[email protected]

What is OVAMBA?Founded in 2013, OVAMBA is an Africa focused Fintech firm, operating aleading West African debt exchange. We connect institutional investorswith local regulated lenders and allow for direct participation into loans tocreditworthy small and mid-sized African businesses.

Large market – Even larger opportunity

How does it work?

C

M

Y

CM

MY

CY

CMY

K

consumer marketplace ready to soar

www.peerform.com

Prime and Near Prime - FICO > 600

Strong Algorithmic Underwriting

Quality Verified Borrowers

Scalable technology developed in house

Diversified marketing channels

Bronze SponsorBooth 604

Bronze SponsorBronze Sponsor

As a self-directed administrator and custodian of IRA assets, we understand the importance of self-directed investing. As a result, our goal is to eliminate unnecessary red tape and focus on delivering the highest level of service to meet your needs.

(888) 855-9856 | trustprovident.com

UNBEATABLE VALUE

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CUSTODY ANY ALTERNATIVE ASSET

Retirement solutions should fit who you are and what you need, not the other way around.

At UBS, we have built our business around you.

Whether you’re looking for investment banking, equities, fixed income or foreign exchange services, we have the

global strength and industry experience to deliver.

What’s more, we provide expert advice, innovative solutions and outstanding execution tailored to our clients’ needs.

Providing the tools to succeed, today and tomorrow.

UBS is a proud sponsor of LendIt USA Conference 2015

© UBS 2015. All rights reserved.

www.ubs.com/investmentbank

Lower rates

%

Money tomorrow

$

No prepayment penalty

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BETTER DATA.

BETTER LOANS.

COMPANY DEMO

APRIL 14TH @ 11:45AM

The next generation of solar marketplace lending

Open Energy Group

Open Energy Group is a direct financing platform and investment marketplace for commercial, industrial and small-scale utility solar project debt, providing accredited and institutional investors with attractive, predictable returns from the generation of renewable energy.

Visit our Expo stand to learn more and discuss investment opportunities.

openenergygroup.com

REDEFININGTRADE FINANCETradeRiver USA and TradeRiver UK provide Buyers/Importers & Sellers/Exporters with an online non-banking, cross border fi nancing soluti on.

Contact us today for a new, faster, more responsive approach to Trade Finance.

Email: [email protected] Phone: +1 (443) 759 -7119Website: traderiverusa.com

US & UK Buyers/Importers

purchase from anywhere in the world

TradeRiver pays Sellers/Exporters in their preferred

currency

US & UK Buyers/Importers repay

TradeRiver within 120 days

3933 - TR - Lendit Advert_AW.indd 1 31/03/2015 10:34


_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _Strong risk-adjusted return from a short-duration, uncorrelated asset class.

Transparent underwriting and easy data access compared to traditional consumer credit products.

Efficient loan matching and web-based/ API portfolio reporting.

Principal benefits to buying loans through our platform:

133Visit lendit.co

EARN TOP DOLLAR FOR YOUR DECLINED APPLICANTS

PARTNER WITH A LEADER TO INCREASE YOUR CASH FLOW

WE CAN HELP RECOVER YOUR LOST MARKETING DOLLARS

(888) 368-9899 l [email protected] US AT NATIONAL DEBT RELIEF TO LEARN MORE:

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134 LendIt USA | New York, April 2015

Special Thanks to our Sponsors

Title Sponsor

Platinum Sponsors

Gold Sponsors

Silver Sponsors

Associate Sponsors

Bronze Sponsors

LendIt USA | New York, April 2015

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