Thanks! This is helpful feedback. It's true that our current home page pitch doesn't heavily emphasize the social connections, which does lead to some of the questions you've asked, and we can do better on that. Most lending does indeed come from people you either know in real life or friends-of-friends, and that's how our marketing is typically focused, which is why most people have not expressed too much concern about identity issues and the specific nature of collections arbitration, etc.

I am curious--for the types of borrowers we have (typically young with a pretty empty credit history outside of a large student loan), are you interested in seeing the credit report because you think small variations in that number will be meaningful? Or is it more to have more confidence that there's not some huge blemish on it? Part of our hypothesis is that in terms of the former, the range these numbers fall in for these people are not that meaningful to lenders in terms of evaluating risk levels. But it's true that if someone's score was 300 points lower than you expected it to be, that would be worth knowing, and there might be a way to set a minimum credit score or something else private we could do to help build that confidence without simply publishing their whole credit report for the world to see, which some borrowers might resist.

We're adding SSL as soon as this batch closes. I'm confident we can get to a decent spot on SEO with a little more growth, but it's certainly possible that won't work and we'll change the name.

Thanks again for the thoughts!