Create and fund your account, become an investor in just a few steps. Then, choose a loan you would like to invest in. Next you can review the data and make an offer. After your offer is accepted and your investment has been made you will automatically receive the payments you are owed. You will have access to over 2,000 data points to make an informed investment decision, including credit report data, aggregated banking data, income, and payment history. If you are new to lending, you can even use Lenme's machine learning algorithms that predict the borrower's risk profile. Investors outside of the US are able to invest as long as you have a US-based entity.

Lenme does not charge you, an investor, any fees. Instead, they monetize from charging borrowers a 1% origination fee.

In the case of a late or delinquent payment, Lenme will take the following measures: the identity of each borrower is verified when they request a loan and the borrower's need to have at least one bank account connected to their Lenme account at all times from which Lenme automatically withdraws owed payments.