Lenme Invest Flow
What is Lenme?
Lenme is a peer-to-peer lending app that helps people get quick, small loans from everyday investors. As the Product Designer for the borrower side, I designed the full journey—from signup and loan request to receiving offers and making repayments—working closely with the PM and engineers to make the process clear, fast, and trustworthy.
Role & Project Context
End-to-end product designer across research → UX → UI
-
Research → Decisions
Qual/quant insights informed the “two fields and go” approach, reducing cognitive load and time-to-request.
-
Rapid UX → UI loops
Wireframes → interactive prototypes → visual refinement; short iteration cycles aligned with product goals.
Build a peer-to-peer lending model that disrupts traditional lending
Background & Problem Statement
Before Lenme, small private investors had very limited access to the lending market
High Barriers
Traditional lending required heavy capital, strict regulatory compliance, and complicated underwriting processes.
Limited Access
Retail investors couldn't easily fund personal loans unless they went through large financial institutions.
Lack of Transparency
Even on peer-to-peer platforms, investor visibility into borrower financials was often low, making investments feel risky.
Borrowers and investors needed a simple, trustworthy bridge for small, quick loans
Borrowers
Needed fast, small, personal loans—often outside traditional banks.
Investors
Sought alternative assets with higher potential returns than savings accounts or traditional stocks.
Lenme’s Solution for Investors
Lenme created a mobile-first platform that:
- 🏦 Allows individual investors to fund loans directly through an app
- 📊 Provides clear borrower profiles (Lenme Score, DTI, past behavior)
- ⚡ Enables fast decision-making (discover, assess, offer — all in minutes)
- 🔄 Simplifies portfolio tracking and repayment management
Why This Service Matters (Investor Evidence)
Market demand · User pain · Growth tailwinds — concise, source-backed
Digital lending platforms (global)
Rapid expansion through 2030, driven by mobile-first origination and automation.
Source: Grand View Research (2024→2030)
U.S. digital lending platforms
Expected to reach ≈$10.4B by 2030 with sustained double-digit growth.
Live paycheck-to-paycheck
Liquidity shocks are common; households need fast, small-dollar credit within ≤48h.
Unbanked / Underbanked (’23)
Millions remain outside or at the edge of mainstream credit; high BNPL/alt-usage.
Source: FDIC 2023 Survey (PDF)
Can’t cover a $400 expense
Only ~63% would use cash/equivalent for a $400 shock — need for short-term credit persists.
Source: Federal Reserve SHED (2025)
Payday loan cost benchmark
Typical payday APR ~391%; some states see 600%+ — transparency & lower cost matter.
Sources: St. Louis Fed (391%), Pew (state examples)
“Credit invisible” adults (’20)
Alt-data + repayment behavior can price thin-file users more fairly than legacy models.
Source: CFPB (2025 update)
Why users switch: Before vs. With Lenme
Before (Traditional & Payday)
Applications take days; branch or call-center friction
Opaque fees & APR jargon
Thin-file users excluded or upsold
Very high effective APR (300%+)
With Lenme
3-click request & real-time offers
Plain-language pricing & disclosures
All credit scores welcome + reputation growth
Faster funding (often ≤24h)
Competitive Analysis — Feature Focus
Feature comparison across Lenme, Solo Funds, Hundy, and Prosper
| Logo | Platform | Loan Type | Loan Amount | Fees | Repayment | Unique Features |
|---|---|---|---|---|---|---|
| Lenme | Consumer P2P (short-term personal) | $50 – $5,000 | No request fee; small platform fee on funded loans | 1–12 months; ACH funding ~1–2 business days | Investor bidding marketplace; 2,000+ datapoints for risk pricing | |
| SoLo Funds | Community P2P micro-loans | $20 – $575 (up to ~ $625) | Optional “Tip” + “SoLo Fee” (avg. combined ≈17%) | Borrower selects due date; extensions allowed | Reputation/community-driven; borrower-set terms | |
| Hundy | Cash advance / micro-loan | ~$100 new; up to ~ $250 with history | No mandatory fees; optional donation style | 31–61 days; flexible due date | Mobile-first; fast onboarding & funding | |
| Prosper | Unsecured personal installment | $2,000 – $50,000 | Origination 1%–9.99%; APR shown upfront | Fixed monthly payments; 2–5 years | Established marketplace; long performance history |
Why Investors Choose Lenme
How Lenme Built Trust with Investors
Make risk transparent, actions effortless, and returns trackable.
Lenme Score
Proprietary score shows borrower risk clearly (DTI, credit score, repayment history).
Risk Filtering
Investors sort borrowers by risk tier, amount, duration, and purpose to act faster.
Borrower Profiles
Mini-profiles highlight employment, loan purpose, health summary, and disclosures.
Seamless Offer Submission
Minimalist forms, smart defaults, and instant feedback keep the flow smooth.
Investment Tracking Dashboard
Track investments in real time with ROI summaries and live status updates.
In Short
Trust grows when risk is visible, actions are simple, and results measurable.
Chris Kim
Beginner Type · Risk-averse
Concerns
Hopes
Real Quotes
Lenme Investor UX Journey
From discovery to repayment monitoring—what users do, think, and struggle with at each step.
Discover Loan Requests
Evaluate Borrower
Make Offer
Await Acceptance
Manage Investment
Upon developing the user persona for the Lenme Invest Flow, I can effectively synthesize the user's emotions and experiences by crafting a comprehensive user journey map. Through this map, I can identify any instances where the user may feel discomfort or encounter pain points, allowing for targeted improvements in the user flow.
Lenme Information Architecture
Borrower vs Investor Flow
Borrower
Set amount, purpose, and repayment terms.
Provide ID, income, and credit info.
Review investor proposals and choose best fit.
Finalize agreement, funds are transferred.
Make scheduled payments and build history.
Investor
Browse borrower listings with filters & scores.
Check Lenme Score, DTI, and loan purpose.
Set amount, interest rate, and terms.
Borrower reviews and responds to proposal.
Monitor repayment status and ROI.
Investor Journey Map
Explore the flow of investing through Lenme.
Discover Opportunities
Browse a curated list of borrower requests with essential info at a glance.
Assess Risk & Details
Review Lenme Score, DTI, credit insights, and loan purpose in the borrower profile.
Submit Investment Offer
Set terms with smart defaults and confirm investments in just a few taps.
Track Funded Loans
Monitor active investments, repayment schedules, and borrower activity.
Manage Returns
View repayment statuses, ROI performance, and reinvest earnings easily.
Opportunity at a Glance: Curated Loan Marketplace
In investing, speed and clarity are everything.
Our Loan Marketplace helps investors spot opportunities — and risks — in a split second.
Each Borrower Request Card shows:
- 💰 Requested Amount
- 📆 Payback Period (Months)
- 📊 Credit Score Band
- ⚡ Lenme Score (Instant risk visualization)
The Layout Balances
Information Density: Enough financial data to make smart choices.
Cognitive Simplicity: Without overwhelming or fatiguing the user.
✅ With just a scroll, investors can:
- Compare multiple borrowers side-by-side
- Prioritize low-risk, short-term, or high-score opportunities
- Save favorites for later review
- Act fast when a good loan appears
Borrower Avatar Colors: What They Mean
The color of a borrower’s avatar provides an instant visual cue about their credit strength:
2. Smart Filtering: Finding the Right Investment, Fast
When it comes to investing, every second counts — and so does every decision.
To empower investors to find opportunities that match their goals and risk appetite instantly, we designed a smart, flexible filtering system.
Risk Profile
Choose from Low, Medium, High Risk — or explore special categories.
Credit Score Bands
Filter borrowers based on traditional credit strength.
Loan Amount Range
Fine-tune investment size from micro-loans to larger opportunities.
Repayment Period
Pick your comfort zone: short 2-month loans or longer 12-month repayments.
Borrower History
Prioritize borrowers who have successfully completed past loans — a major trust signal.
- ✅ Completed 1+ loans
- ✅ 100% on-time repayments
- ✅ Repeat borrower
Craft Your Perfect List
With just a few taps, investors can shape an opportunity list aligned with strategy, risk tolerance, and goals.
- ⚡ Precision-targeted results
- 🧭 Strategy-aligned picks
- 🔒 Risk-aware selection
- ⭐ Save favorites
3. Borrower Snapshot: Trust Built at a Glance
When an investor taps into a loan request, speed and clarity are everything.
We designed the Borrower Snapshot to answer a single critical question instantly:
"Can I trust this borrower with my money?"
Credit & Lenme Score
Side-by-side view for instant risk assessment.
Key Metrics
- ✅ Payment History
- ✅ Credit Utilization
- ✅ Income: Verified
- ✅ Past Loan History
Financial Health Trends
Visualized stability over time.
Income > Expenses → Stable growth
✅ At a glance, investors know:
- 📊 Is this borrower financially stable?
- 💳 Are they actively managing their debt?
- 🔒 Have they succeeded with past Lenme loans?
4. Submit Offer: Making Action Effortless
After browsing, filtering, and analyzing — everything comes down to this moment.
The offer flow was designed to feel:
- ✅ Effortless
- ✅ Confident
- ✅ Rewarding
To achieve this, I created a Submit Offer Modal that reduces friction and builds trust:
5. Managing Pending Investments: Full Control at Every Stage
Investing doesn’t end at “Submit” — it’s the start of a dynamic negotiation.
To keep this journey smooth and transparent, I designed the Pending Offers Management System, enabling investors to:
Status of all submitted offers in real time
Pending negotiations with clarity
When opportunities shift
This gave investors confidence and control at every stage of the investment process.
Loan Monitoring
Track loan states at a glance.
Pending Loans
Loans that are waiting for money from investors. They have passed the checks, but funding isn’t finished yet.
Current Loans
Loans that are already funded and active. Borrowers are paying them back bit by bit, and investors are earning interest.
Completed Loans
Loans that are fully paid back. The borrower returned all the money, and investors got their money plus interest.
Corrections
Small fixes or updates made to loan details, to make sure all information stays correct and clear.
Default Loans
Loans where the borrower didn’t make the required payments. These are higher risk, and Lenme may try to collect the money or take other actions.
Full Loan Transparency: Every Dollar Accounted For
Our Loan Details View was built to give investors complete clarity:
- Loan Amount + Interest: Clear breakdown of principal vs. profit.
- Fee Transparency: Exact share of platform or government fees — no hidden costs.
- Total Payback: Reinforces expected returns at a glance.
- Repayment Schedule: Month-by-month timeline to plan cash flows with confidence.
✅ Every dollar is visible, every outcome predictable.
Investor Final Outcomes
Clear steps from discovery to returns.
Discover Opportunities
Find borrower requests that match your risk and return goals.
Assess Risk & Details
Review Lenme Score, DTI, credit signals, and loan purpose to decide fast.
Submit Investment Offer
Propose terms in a few taps with smart defaults and instant feedback.
Track Funded Loans
Monitor repayment progress, statuses, and activity in one view.
Manage Returns
Receive repayments, track ROI, and reinvest with ease.
Investor Incomes
Where returns come from.
Loan Funding
Placing capital into selected loans to open an earning position.
Monthly Repayments
Collect principal and interest over time as borrowers repay.
ROI Growth
Grow returns through reinvestment and on-time repayments.
Key Results after design
Investment-focused outcomes.