FinovateSpring 2009 / People Capital

Presenter Profile:

How they describe themselves: People Capital provides a peer-to-peer (p2p) lending platform to match students with college funding sources — be they individual investors, philanthropic/affinity groups or financial institutions.

Our patent pending Human Capital Score underwrites students without credit history, FICO scores or co-signers by projecting individual income levels and ability to pay indebtedness. We incorporate GPAs, standardized test scores, college and major to provide a true and unbiased, data-driven measure of the economic value of an education.

What they think makes them better:

  • Our Human Capital Score measures income potential, unlike traditional measures.
  • We maximize confidence in borrower authenticity, verifying student enrollment status and earmarking disbursements for schools.
  • We provide institutional-quality credit risk and analytical tools for all lenders, plus the data and analytics for smart lending decisions.
  • We give institutional lenders a new opportunity to create a unique portfolio of individually selected student loans — with all the underlying data.


Bus. Dev., Sales and Press: Al Alper, President,, 212-725-2295 x13

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