Prosper is an American peer-to-peer lending company that was founded in 2005. The company operates an online platform that connects borrowers and investors. Prosper offers personal loans, debt consolidation loans, and home improvement loans. The company uses a proprietary credit scoring system to assess the creditworthiness of borrowers. Prosper has facilitated over $17 billion in loans since its inception. The company is headquartered in San Francisco, California.