Overview Leaderboard Methodology
Industry Report

Peer-to-Peer Lending Marketplaces

Platforms that connect individual or institutional investors with borrowers for personal loans, facilitating lending outside traditional banks.

Brands tracked: 39
Brands analyzed: 39
Last updated: 2026-04-23
Model: OpenAI GPT-5
Prompts: 299
Total responses: 1,540
Top Brand Overall?
LendingClub
89/100

Highest overall AI Visibility Score in this industry.

LBA Leader?
SoFi
79

Highest score on the LBA metric in this industry.

Authority Leader?
Prosper
100

Highest score on the Authority metric in this industry.

TOM Leader?
LendingClub
100

Highest score on the TOM metric in this industry.

LendingClub is the default answer in AI responses for Peer-to-Peer Lending Marketplaces

LendingClub and Prosper together dominate AI responses for Peer-to-Peer Lending Marketplaces. Both brands consistently surface unprompted, with the model treating them as the default answers for most category queries. Brands outside the top two face a structural disadvantage: users are usually given these two before the model even considers alternatives.

Brand Leaderboard All 39 Peer-to-Peer Lending Marketplaces brands ranked

Ranked by overall AI Visibility Score (smoothed geometric mean of LBA, Authority, and TOM with an LBA-based floor on Authority and TOM, see methodology). Click any brand for the full report.

# Brand LBA Authority TOM Overall
1
LendingClub
lendingclub.com
 75
92
100
89
2
Prosper
prosper.com
 66
100
100
87
3
Upstart
upstart.com
 72
53
72
65
4
Funding Circle
fundingcircle.com
 65
7
39
28
5
Mintos
mintos.com
 56
6
35
25
6
Kiva
kiva.org
 73
7
18
23
7
SoFi
sofi.com
 79
8
15
23
8
Bondora
bondora.com
 49
5
28
21
9
PeerBerry
peerberry.com
 52
5
22
20
10
Avant
avant.com
 66
7
13
19
11
LightStream
lightstream.com
 73
7
7
18
12
Funding Societies
fundingsocieties.com
 68
7
7
17
13
Upgrade
upgrade.com
 71
7
7
17
14
EstateGuru
estateguru.co
 45
5
13
16
15
Lendio
lendio.com
 64
6
6
16
16
October
october.eu
 58
6
6
15
17
Zopa Bank
zopa.com
 59
6
6
15
18
Auxmoney
auxmoney.com
 55
6
6
14
19
Best Egg
bestegg.com
 57
6
6
14
20
Groundfloor
groundfloor.com
 46
5
10
14
21
Harmoney
harmoney.co.nz
 53
5
5
13
22
Marcus
marcus.com
 53
5
5
13
23
RateSetter
ratesetter.com
 50
5
5
13
24
SocietyOne
societyone.com.au
 50
5
5
13
25
Faircent
faircent.com
 41
4
4
11
26
LenDenClub
lendenclub.com
 43
4
4
11
27
F
Fellow Finance
fellowfinance.com
 38
4
4
10
28
PeerStreet
peerstreet.com
 39
4
4
10
29
NEO Finance
neofinance.com
 34
3
3
9
30
Plenti
plenti.com.au
 35
4
4
9
31
Twino
twino.eu
 34
3
3
9
32
Lendahand
lendahand.com
 30
3
3
8
33
Robo.cash
robo.cash
 29
3
3
8
34
Debitum Investments
debitum.network
 27
3
3
7
35
Peerform
peerform.com
 25
3
3
7
36
ViaInvest
viainvest.com
 22
2
4
7
37
i2iFunding
i2ifunding.com
 23
2
2
6
38
Crowdestor
crowdestor.com
 18
2
2
5
39
Swaper
swaper.com
 18
2
2
5

How is this calculated? Methodology

Every brand in this leaderboard is scored against the same set of 299 shared Peer-to-Peer Lending Marketplaces prompts. The same prompts, same model, same iterations. So differences in scores reflect actual differences in AI visibility, not differences in measurement.

Overall AI Visibility Score
Smoothed geometric mean of LBA, Authority and TOM. Authority and TOM are floored at LBA × 0.1 before the geometric mean (the same floor used in the per-metric cards above, so brand cards and the composite tell the same story). Formula: composite = ((LBA + 5)(Authority + 5)(TOM + 5))^(1/3) - 5. The floor keeps brands the model clearly recognises but doesn't yet recommend from collapsing to zero, while a single genuinely weak metric still pulls the composite down. Full methodology.
Shared industry prompts
For Authority and TOM, all brands in the industry are scored against the same 299 category prompts (e.g. "best SEO tools for agencies"). This makes brand-to-brand comparisons valid - everyone faces identical inputs. LBA prompts are per-brand because they ask brand-specific questions.
Latent Brand Association (LBA)
5 brand probes + 1 control prompt, each run 5 times in recall mode (no web search). LBA = quality × meta × stability × share × recognition × 100. Read the full LBA methodology →
LLM Authority
50 organic category prompts (discovery, comparison, problem and transactional intents), each run once in recall mode and once in retrieval mode. Score = frequency × log-decayed prominence × intent weight, then 50/50 averaged across the two modes. Read the full Authority methodology →
Top of Mind (TOM)
15 high-volume discovery prompts (sourced from Keywords Everywhere search-volume data), each run 5 times in pure recall mode (no web). Score = frequency × (0.5 + 0.5 × log-prominence), volume-weighted. Read the full TOM methodology →