Lenme

Lenme is a peer-to-peer lending marketplace founded in 2018 and headquartered in Austin, Texas. The platform connects individual borrowers seeking short-term personal loans (typically $50–$5,000) with retail investors who fund those loans directly through the mobile app. Unlike traditional P2P platforms that require accredited investor status, Lenme allows any U.S. resident with a bank account to start investing with as little as $50, positioning itself as an accessible entry point into consumer credit investing.

The platform operates exclusively as a mobile app (iOS and Android) and uses an automated credit evaluation model to assess borrowers. Investors browse loan requests, review borrower credit scores and debt-to-income ratios, and choose which loans to fund. Lenme charges borrowers an origination fee and investors a flat annual platform fee. The company reports that investors have collectively funded over $100 million in loans since inception, though independent performance data remains limited. (Verify current total funded volume at lenme.com)