&gt; Borrowers have 14 days to get their loans funded by investors and loans were typically funded by investors within 1 day. So lenders were outnumbering borrowers.<p>&gt; Starting in January this year, however, loans started taking longer and longer to fund. Recently, I&#x27;ve seen them timing out. This means that in the marketplace, the balance shifted and borrowers outnumbered lenders.<p>I&#x27;d really like to see some different terminology here. Everything you describe is perfectly compatible with there being one lender, or any other number.