SC

Strategy Canon

LendingClub: sourced choices

21 product and go-to-market choices, oldest first. Back to the case study

  1. 2014-08-27Product · Installment terms Offered fixed-rate loans with fixed monthly payments. LC1
  2. 2014-08-27Product · Application Accepted borrower applications online. LC1
  3. 2014-08-27Product · Small investor units Allowed investment increments as low as $25. LC1
  4. 2014-08-27Product · Automated investment Offered tools for automated loan investment. LC1
  5. 2014-08-27Go_To_Market · Transaction fees Earned fees from loan originations. LC1
  6. 2014-08-27Go_To_Market · Servicing Charged investors for servicing. LC1
  7. 2014-08-27Go_To_Market · Mail acquisition Used targeted mail directing prospects to the website. LC1
  8. 2014-08-27Go_To_Market · Search acquisition Used paid and organic search channels. LC1
  9. 2016Go_To_Market · Investor incentives Used concessions to bring investor funding back. LC2
  10. 2016Go_To_Market · Capital support Purchased loans to support marketplace funding. LC2
  11. 2021Go_To_Market · Bank ownership Brought deposit-funded banking inside the company. LC4
  12. 2023Go_To_Market · Structured funding Introduced structured certificates as investor demand shifted. LC4
  13. 2025-12-31Product · Bank balance sheet Retained selected loans while selling others. LC3
  14. 2025-12-31Product · Deposit products Offered checking, savings and certificates of deposit. LC3
  15. 2025-12-31Product · Structured securities Retained senior securities in structured loan sales. LC3
  16. 2025-12-31Product · Direct debt payoff Supported paying existing card balances directly. LC3
  17. 2025-12-31Product · TopUp Combined an existing loan with new proceeds into one payment. LC3
  18. 2025-12-31Product · Auto refinance Offered refinancing of existing auto debt. LC3
  19. 2025-12-31Go_To_Market · Provider distribution Offered purchase financing through merchants and healthcare providers. LC3
  20. 2026-06-22Product · Linked reward Offered eligible loan-payment cash back through LevelUp Checking. LC5
  21. 2026-06-22Go_To_Market · Brand transition Launched Happen Bank and began trading under HAPN. LC5