BancaClub is world's first peer-to-peer lending marketplace. BancaClub allows people to invest in each other in a way that is financially and socially rewarding. On BancaClub, borrowers list loan requests and individual lenders invest in each loan listing they select. In addition to credit scores, ratings, and histories, investors can consider borrowers’ personal loan descriptions, endorsements from friends, and community affiliations. BancaClub handles the servicing of the loan on behalf of the matched borrowers and investors.