I refinanced two credit cards for what I thought was a large amount ($9k + I included the LC fees) and I was honestly skeptical that it would even get funded.<p>It was funded by a single investor in less than two hours.<p>I&#x27;ve often thought about investing in the platform but I&#x27;ve always been skeptical of the ability to make consistent returns on it - it seems like a platform where unless you have significant capital invested, one or two defaults above what you expect and you could be wiped out.