Truly Passive Income with Automated Prosper.com Investing

Q: What are the risks of peer-to-peer lending?

Borrowers can default on their loans, which reduces your returns. ProsperBot diversifies your capital across many individual loans ($25 each) to limit the impact of any single default, but it cannot eliminate the risk. This is not a guaranteed-return investment.

How the Alternatives Really Stack Up

Honest numbers. No hype.

Category	Rental Property	Airbnb / STR	ProsperBot
Time required per week	2–10+ hrs	5–20+ hrs	~0 hrs
Tenants / guests to manage	Yes	Constant	None
Repairs & maintenance	Yes — ongoing	Yes — frequent	None
Minimum realistic capital	$30,000–$100,000+	$10,000–$50,000+	$1,000+
Monthly cashflow	Variable (after expenses)	Variable (high seasonality)	Monthly borrower payments
Liquidity — how fast can you exit?	Months to years	Months	Uninvested cash: days
Truly passive?	No	No	Yes

Peer-to-peer lending carries risk of borrower default. ProsperBot is a software automation tool, not a financial advisor. Past performance does not guarantee future results. See our FAQ for a full risk discussion.

How It Works

Three steps. Then you stop thinking about it.

1

Connect Your Prosper.com Account

Your money lives in your Prosper account — ProsperBot connects via Prosper's official API. You deposit and withdraw directly from Prosper; the bot only places investments on your behalf.

2

Set Your Strategy Once (or Keep the Defaults)

Choose a risk level and how much to invest per loan. Takes two minutes. Most clients never touch it again.

3

Collect & Withdraw

The bot invests $25/loan across hundreds of borrowers. They repay monthly. Your payments accumulate as unclaimed cashflow. Withdraw whenever you want — or turn on Compounding Mode to reinvest automatically.

Your Money, Your Choice

Two modes. Both completely hands-off.

Cashflow Mode (default)

Withdraw Monthly

Borrower payments accumulate in your account as unclaimed cashflow. ProsperBot notifies you when cash is ready to pull. You withdraw on your schedule — the bot never reinvests your returns without your permission.

Compounding Mode

Reinvest Automatically

Prefer to grow your portfolio? Toggle Compounding Mode on in your dashboard and the bot puts every payment back to work. Flip it off anytime to return to cashflow withdrawal.

Unlike Prosper's built-in Auto Invest — which locks your payments back into new loans by default — ProsperBot protects your cashflow so it's there when you need it.

Who Can Use ProsperBot?

Requirements

U.S. resident or citizen
Active Prosper.com investor account
Prosper is currently available in most U.S. states — check prosper.com for your state

You Don’t Need

Investment credentials or a financial advisor
Prior experience with P2P lending
A large minimum — Prosper starts at $25/loan

Built to Last, Trusted by Investors

4+ Years

Serving clients since January 2022

~$1M

Under management

125,000+

Loans managed

Frequently Asked Questions

Is this really passive?

Yes. Once you connect your Prosper account and set your strategy, ProsperBot runs automatically twice daily on weekdays and once on weekends. You don't pick loans, monitor listings, or log in to Prosper. The only active step is withdrawing your cashflow — and even that is optional if you prefer Compounding Mode.

What does it cost?

$12.99/month or $129/year (save 17%). Both plans include a 15-day free trial. Cancel anytime with no penalties.

How much money do I need to start?

Prosper allows investments starting at $25 per loan. Most clients start with $1,000–$5,000 to build a diversified portfolio across many loans. The more loans you hold, the more individual defaults are smoothed out across the portfolio.

What are the risks?

Peer-to-peer lending carries real risk: borrowers can default on their loans, which reduces your returns. ProsperBot diversifies your capital across many individual loans ($25 each) to limit the impact of any single default, but it cannot eliminate the risk. This is not a guaranteed-return investment. For a full discussion of risks, see our FAQ page.

Have more questions? Visit our full FAQ

Simple, Transparent Pricing

Start with a 15-day free trial. Cancel anytime.

Monthly

$12.99/mo

15-day free trial

Start Free Trial

Save 17%

Annual

$129/year