The Golden Rule

We take our responsibilities to help others seriously. We also view it as a unique opportunity to surround ourselves with expert partners and people who share our committment to living meaningful lives. We look forward to finding out about the things we have in common.

We Value Relationships Not Transactions

Little of true value can be achieved without the help of others. We cherish our relationships above all else so that when opportunities come along, as they always do, we can benefit together.

Be Skeptical, Never Cynical

If the world changes it is common sense that you must adapt. To adapt requires acceptance of new ideas and while a skeptical mind prevents rash decisions, the cynical mind prevents the change you need.

Integrity, Ideas and Execution

The world economy has fundamentally changed and we have to look beyond traditional assets of the last 50 years. What has not changed is the need for integrity and an uncommon attention to detail.

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See Our Two Minute Video On Direct Lending

Emerald Asset Management Acquires Direct Lending Advisors

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To read the press release CLICK HERE We are pleased to announce that Emerald Asset Management, Inc., an investment holding company with approximately $2.4 billion in assets, has acquired Direct Lending Capital, LLC, a pioneer in the direct lending or “peer to peer” lending business. The company will be renamed Emerald Direct Lending Capital, LLC (or “Emerald DLC”).  The company …

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Direct Lending and Community Banks – Getting Money to The People!

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America’s strength is its middle class and their work ethic. Americans work hard and the vast majority pay their bills on time every month and yet if they need $5,000 or $10,000 the local bank that used to be there to help, no longer can. It simply is not economically feasible to do the underwriting and for a bank to …

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Lending Club Value Soars to $1.5 Billion. Google Leads $125M Investment

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Just last Summer Lending Club raised money from Kleiner Perkins at a valuation of around $500 Million. The company announced today that it raised another $125 Million at a valuation over 3 times greater $1.55 Billion. What  could justify such a price tag, well I won’t pretend to be competent to make a valuation judgement but in June of last …

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Direct Lending Returns Overstated? CBS News raises concerns but they miss the real point

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I am happy to see that the public discussion about direct lending is at last starting to get to the real challenges faced by investors. CBS News reporter Alan Roth published a good article about his own investing experience. He has identified issues at the heart of successfully investing in this asset and provided the world a great learning opportunity. However, …

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NY Federal Reserve Report on Household Debt

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The Feb 2013 quarterly NY fed report on household credit indicates U.S. consumer credit health continues to improve with delinquencies and defaults down, delinquency cure rates up and severe credit events such as bankruptcies down by 21% from last year the eaith consecutive year over year decline. For the first time since the 2008 downturn Consumer debt increased during the …

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Lending Club CEO Talks To CNBC

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Renaud La Planche CEO of Lending Club talked with CNBC Squawk Box. After almost 6 years, $1.5 Billion in loans made, nice to see Wall Street’s media pets starting to take notice. Ofcourse, their objective is prepping for the IPO which hopefully will happen within a year or so rather than letting investors know about a good high yield income alternative.. TRANSCRIPT …

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Lending Club named to #12 on Forbes “Most Promising” List

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It should not come as a surprise to anyone following the growth of Lending Club that Forbes have named them to their “America’s Most Promising Companies List” for the second year in a row. In the last year they have gone from $35 Million in loan originations a month to $105 Million in January 2013 and they have already reached …

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Consumer Direct Lending Continues Explosive Growth

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The consumer direct lending industry continues to grow at a remarkable rate and it would appear that momentum is gathering. We expect 2013 to be a truly breakout year as the scale of loan originations and variety of initiatives going on around the globe are creating broad investor awareness. In January 2013 combined loan originations from Lending Club and Prosper reached …

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Bank of England Director Says- “Mono-Banking culture is on its way out”

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“Mono-banking culture is on its way out” says Bank of England’s Andrew Haldane as start-up lending platforms spread through the US, Europe and China. For anyone unfamiliar with direct lending or “Peer to Peer” as it is often called, Roben Farzad of Bloomberg Businessweek wrote an excellent overview of how the direct lending industry. It is hard to say at …

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Prosper Announces New Executive Leadership

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Despite being a first mover in the space Prosper has lagged industry leader Lending club by a wide margin. They are bringing in seasoned new executives who may be able to make them a genuine alternative in the space. This is excellent news for investors and borrowers. Prosper Appoints Stephan Vermut CEO; Partners with Sequoia Capital SAN FRANCISCO–(BUSINESS WIRE)–Prosper, a …

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