Prosper is the world's largest peer-to-peer lending marketplace, with more than 1,020,000 members and over $213 million in funded loans. Borrowers’ list loan requests between $2,000 and $25,000 and individual lenders invest as little as $25 in each loan listing they select. It rates all the borrowers’ and using those ratings lenders decide if and how much they want to invest.

The initial project goal was to predict the prosper.com rating for any user that signed up to borrow money on the website. In addition, a predictive model was built to try and improve investors' odds of investing in a possible defaulter.