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Statement layout

• Account summary: A summary of the distribution of all the money in your lending account, including liquid funds, funds loaned, and funds tied up in bids and standing orders.
  
  
• Account activity: Balance sheet of the flow of funds into and out of your account during the current statement period.
  
  
• Account credits: A categorized summary of the flow of funds into your account during the current statement period.
  
  
• Account debits: A categorized summary of the flow of funds out of your account during the current statement period.
  
  
• Active loan summary: The activity of active loans in your account, including defaults that may have occurred during the statement period.
  
  
• Loan-by-loan details: A loan-by-loan detailed description of all loans held and all activity on those loans.

Account summary

The account summary shows the distribution of all the money in your lending account, including liquid funds, funds loaned, and funds tied up in bids and standing orders.

Specific fields include:

• Available for bidding: The amount of funds which are available for bidding, not including funds which are already in active winning bids and active or paused standing orders. These funds can be transferred out of Prosper at any time. When monthly payments are made by borrowers, any group leader rewards and additional fees (servicing, collection, NSF, bank draft, etc.) are deducted; the remaining funds will be returned to the "Available for bidding" balance.
• Active loan value: The value of funds which are currently in loans to borrowers. This is a gross accrued value of your outstanding loans, and changes on a daily basis, according to the accrual schedule of your loans.
• Payments in transit: Borrower payments which have been initiated but have not yet reached your account. Funds from these payments will be reflected in your account balance between 2-4 business days later.
• Winning bids:The amount of funds which are currently held in active bids. If any funds are outbid (even partially outbid), those funds will be returned to the "Available for bidding" or "Standing order funds" balances, depending on where they came from.
• Winning bids pending review: If you are a winning bidder on a listing that has been funded, but the borrower has not verified his or her bank account with Prosper or Prosper is conducting further review on the listing, origination funds will be held for up to 7 days while the borrower verifies the account, and the amount of your bid (or bids) will appear in this line item until the account is verified. If the borrower does not verify a bank account within 7 days, funds bid will be returned to the "Available for bidding" balance. (This line item was formerly known as "Loans pending account verification".)
• Standing order funds: The amount of funds which are currently held in standing orders which have not been turned into bids. If a standing order is cancelled, any remaining funds will be returned to the "Available for bidding" balance.
• Total account value: The sum of all above fields, representing the total value of your lending account on Prosper.

Account activity

The account activity is an account balance summary of the debits and credits to your "Available for bidding" account over the course of the statement period. Specific details are available in account credits and account debits.

Specific fields include:

• Starting balance: Your "Available for bidding" balance at the beginning of the current statement period. This is also the previous statement's ending balance.
• Total credits: The total amount in credits (deposits) to your "Available for bidding" balance over the current statement period.
• Total debits: The total amount in debits (withdrawals) from your "Available for bidding" balance over the current statement period.
• Ending balance: Your "Available for bidding" balance at the end of the current statement period.

Account credits

Account credits is a categorized summary of the flow of funds into your lending account during the current statement period.

Specific fields include:

• Deposits: Funds transfers from your external accounts to your Prosper lending account.
• Manual bids returned: Funds returned to your lending account from manual bids. Bid funds may have been returned for any of the following reasons: outbid, partially outbid, withdrawn listing, expired listing, or account verification failure.
• Standing orders returned: Funds returned to your lending account from standing orders. Standing order funds may have been returned for any of the following reasons: edited standing order, cancelled standing order, or bids from canceled standing order.
• Loan payments: Funds added to your lending account from borrower loan payments. This total is broken into principal, interest, and late fees (if any). Payments in transit are not included in this figure.
• Recoveries: Funds returned to your lending account (if any) in the event of a borrower default. This total is broken into recoveries from defaulted loan purchases and forfeited group leader rewards.
• Total credits: The sum of all above fields, representing the total amount of funds flowing into your lending account.

Account debits

Account debits is a categorized summary of the flow of funds out of your lending account during the current statement period.

Specific fields include:

• Withdrawals: Funds transfers from your Prosper lending account to your external accounts.
• Manual bids placed: Amount of bids placed on listings during the statement period. Winning as well as outbid and partially outbid funds are included in this figure.
• Standing orders added: Funds added to standing orders during the statement period. Standing order funds are considered added when creating a new standing order or adding new funds to an existing standing order.
• Total fees: Fees paid as a lender on Prosper. This total is broken into Prosper loan servicing fees (0.5% per year) and collection agency fees on recovered funds.
• Total debits: The sum of all above fields, representing the total amount of funds flowing out of your lending account.

Active loan summary

Summary of loans which were active at any time during the statement period. This includes active loans and defaults, payoffs, or cancellations (or any other change that might have ended a loan).

Specific fields include:

• Starting loan value: Value of active loans held at the end of the statement period. This is a gross accrued value of your loans outstanding, and changes on a daily basis, according to the accrual schedule of your loans.
• Interest and fees accrued: Value of interest and late fees accrued on loans held at the during the statement period. This is an accrued (accrual basis) value, and accrued interest may not yet have been paid by borrowers.
• Interest and fees paid: Value of interest and fees which have been paid on loans held during the statement period. This is an actual (cash basis) value, representing real interest and fee payments by borrowers.
• Principal paid: Total of principal repayments on loans held during the statement period.
• New loans placed: Principal amount of new loans bought during the statement period.
• Defaults: Amount of defaults during the statement period.
• Ending loan value: The sum of all above fields, representing the total value of loans held at the end of the statement period.

Additionally, a brief summary of your loans outstanding is displayed to the right of your active loan summary.

Specific fields include:

• Active loans: The number of loans in your portfolio that were active during the statement period.
• Portfolio mix: A visual representation of how your active loan portfolio is distributed across borrower credit grades.

Loan-by-loan details

Starting on the second page of your lender statement is detailed activity on a loan-by-loan basis for active loans in your account during the statement period.

Here is a sample loan detail:

The first set of fields includes basic information about the loan, the borrower, and your participation in the loan.

The second table is a summary of loan-specific accruals and payments over the current statement period:

• Principal: The amount of principal accrued and paid over the current statement period. Note that in the first month of any loan, no principal payments are expected (although they may appear if the borrower makes an early payment).
• Interest: The amount of interest accrued and paid over the current statement period. Note that in the first month of any loan, interest will accrue on a daily basis, but no interest payments are expected until the end of the first month of the loan (although interest payments may appear if the borrower makes an early payment).
• Late fees: The amount of late fees accrued and paid over the current statement period. Note that if a borrower is delinquent and is assessed a late fee (at 15 days past due), any incoming payment will first be applied to insufficient funds (NSF) fees (paid to Prosper), then late fees (paid to lenders), and the remainder will be split up between principal and interest.
• Total: The sum of principal, interest, and late fees accrued and paid over the current statement period.

The last table is a detailed history of payments during the current statement period.

Specific columns include:

• Date: The date on which the payment was credited.
• Amount paid: The total amount paid by the borrower on his or her loan.
• NSF fees: Non sufficient funds (NSF) or other banking fees paid in the event that a borrower has had one or more payments fail for insufficient funds in his or her bank account. NSF fees are paid to Prosper.
• Group leader reward: Group leader rewards paid to the borrower's group leader (if applicable).
• Bank draft charge: Portion of borrower's interest which is allocated to pay for bank draft charges (if selected by borrower).
• Amount received: Net of "Amount paid" received by the lender.
• Fees: Portion of amount received allocated to late fees paid.
• Interest: Portion of amount received allocated to interest.
• Principal: Portion of amount received allocated to principal.
• Service fees: Amount paid by lender to loan servicing fees. Service fees are paid to Prosper
• Collection fees: Amount paid by lender to collection agencies if applicable. Collection fees are paid to the collection agency selected by a majority of lenders.
• Net received: Net of "Amount received" kept by the lender.
• Resulting principal balance: Resulting principal balance as of payment date.