Leading a Lending Revolution

LenderLab partners with finance companies to provide funding for renewable energy projects via the blockchain.

Green Energy Tokens

NBTs

Note Backed Tokens

Note backed tokens are non-fungible tokens that assign ownership of a debt. Each NBT corresponds to a ownership of a loan. The holder of the NBT is entitled to the principle and interest due for the loan.

NBTs

Stable

By providing a share of ownership of a real world asset, LenderLab's Green Energy Tokens are a new kind of stablecoin. The notes backing the tokens are seasoned, high-performing debt notes with an fractional default rate. By pooling notes together risk is minimized and returns are historically validated.

ESG

Renewable Energy Investment

LenderLab's Green Energy Token is a stablecoin backed by renewable energy debt notes. The tokens represent a share of the loans used to finance the installation of green energy projects.

The Opportunities

The blockchain has a problem. Despite its brilliant innovation, the current ecosystem's opportunities are either speculative and unstable or don't provide any returns. This has limited its backing and created a narrative that belies the technology's potential. Traditional finance organizations have been slow to trust the technology and the public remains confused about what it does.

Renewable energy has a different problem. Traditional banking institutions don't know how to underwrite and originate renewable energy loans, or how to validate the underlying assets. This has limited lending portfolio allocations for renewable energy projects and created a surplus demand for solar energy financing. Without access to funding, renewable energy solutions have had limited adoption; less than 5% of the energy production in the United States comes from solar energy despite record levels of public demand.

The Answers

Blockchain capital stability requires more than speculation can offer; it requires a grounding in the real world. Tokenization can leverage the blockchain's public ledger to track and trade real world assets faster, with greater transparency, and less overhead than traditional markets.

Opening renewable energy funding to new capital markets through the blockchain, can help meet consumer demand, and drive domestic solar energy production to the levels seen across Europe and China. This relieves energy grids, empowers consumers, and reduces the dependence on foreign energy and fossil fuels.

The Token

LenderLab has closed the gap between the blockchain, real world assets, and renewable energy by creating a new class of token.

Our tokens are digitized debt notes backed by collateralized renewable energy loans. Each loan has funded a solar energy project (is therefore ESG compliant), and is secured by a UCC fixture filing (lien) on the property.

Purchasing a token entitles the holder to all of the returns associated with the borrower loan obligation. Payments are received by a loan processor and are distributed via stablecoin to a registered wallet on the blockchain. This provides swift, transparent,
payments directly to the token holder without transferring funds via slower, less
transparent, off-chain processes.

We've built our new token technology on the public blockchain, instead of a private
"walled-garden" chain, so it is compatible with the greater Ethereum ecosystem. This
dramatically increases token liquidity and flexibility. We don't lock you in.

Our unique tokens also incorporate know-your-customer (KYC) and anti-money-
laundering (AML) controls on-chain to ensure that all debt transfers meet regulatory
requirements. Purchases and payments are transparent and automatically recorded,
facilitating your reporting and auditing processes.

The Token

LenderLab has closed the gap between the blockchain, real world assets, and renewable energy through the creation of a new class of token.

Our tokens are digitized debt notes backed by collateralized renewable energy loans. Each loan has funded a solar energy project (is therefore ESG compliant), and is secured by a UCC fixture filing (lien) on the property.

Purchasing a token entitles the holder to all of the returns associated with the borrower's loan obligation. Payments are received by a loan processor and are distributed via a stable coin to a registered wallet on the blockchain. This provides swift, transparent, payments directly to the token holder without needing to transfer funds via slower, less transparent, off-chain processes.

We've built our new token technology on the public blockchain, instead of a private "walled-garden" chain, so it is compatible with the greater Ethereum ecosystem. This greatly increases token liquidity and flexibility. We don't lock you in.

Our unique tokens also incorporate know your customer (KYC) and anti money-laundering (AML) controls on-chain to ensure that all debt transfers meet regulatory requirements. Purchases and payments are transparent, and automatically recorded: facilitating your reporting and auditing processes.

The Loans

Loans are only as valuable and stable as the underlying asset.  Our renewable energy
lending partner has over a decade of experience funding renewable energy projects
across the United States. They fund projects in 40 US states and territories, working
with and vetting installation partners nationwide. They work closely with installation and
sales partners to ensure the quality of the underlying assets used to collateralize the
loans.

Their industry expertise, experience, and diligence have created a vetting and
originating process that has generated billions of dollars worth of debt notes that
average a less than 1% default rate while generating a competitive return.

Renewable energy projects stabilize borrower's energy costs, which helps to ensure loan repayment because the traditional energy alternatives continue to increase, but the cost of their solar system stays the same.

The Future

We believe that the future of money is digital, and the future of energy is renewable. We aim to reduce reliance on fossil fuels, reduce strain on energy grids, and increase energy independence. Focusing on renewable energy lending allows us to achieve these goals.

If you believe in supporting the environment, our tokens are a direct, transparent way to ensure that you are part of the green energy solution to a fossil fuel problem.

BE THE FUTURE YOU BELIEVE IN.

The Mission

Create a new class of blockchain tokens that provide both stability and lucrative returns by tokenizing real world asset backed debt.

Provide new ways of funding renewable energy projects and fuel the growth of green energy solutions.

Bring lending opportunities traditionally only available to banking institutions to the public.

Create a new market for the fractionalization and trading of debt.

The Team

Kevin D. Bench

Interim CEO of LenderLab

Former Chevron executive with 32 years of experience in marketing, business management, sales, and operations.

Kirk Hoganson

CTO of LenderLab

Kirk has an extensive knowledge of blockchain technology. His personal interest in blockchain technology began in 2011 when he bought his first Bitcoin. He has been providing technical solutions, security consulting, and systems architecture for large and small banking organizations for decades.

Jack Eldridge

CFO of LenderLab / Co-Founder & CFO of Enium Capital Group

Jack co-founded Enium in 2013 and has overseen financial activity and strategy since inception. He has 35 years of experience in accounting and financial leadership focused on sustainability and long-term growth.

The Benefits

Transparency

Token transactions are all visible.

Ease of Reporting

Unlike strictly digital assets, we have clawback controls that prevent loss of assets.

Speed of Transactions

Token transactions typically settle within minutes.

Access

Lending opportunities previously limited to banks.

Stability

Backing by real world assets creates stable value.

Fixed Income Returns

Loan payments are a regular source of predictable returns.

Few Loan Defaults

Our partners loan programs have a history of less than 1% defaults.

ESG Compliant

Our tokens represent renewable energy projects.

Liquidity

Access to public blockchain capital improves liquidity.

SECURITY

Unlike strictly digital assets, we have clawback controls that prevent loss of assets.

Regulatory Compliance

Our tokens integrate KYC and AML compliance on-chain.

Flexibility

Our tokens are EVM compatible.

24/7 Settlement

Token transactions can be settled at any time, day or night.

Transparency

Token transactions are all visible.

Ease of Reporting

Unlike strictly digital assets, we have clawback controls that prevent loss of assets.

Speed of Transactions

Token transactions typically settle within minutes.

Access

Lending opportunities previously limited to banks.

Stability

Backing by real world assets creates stable value.

Fixed Income Returns

Loan payments are a regular source of predictable returns.

Few Loan Defaults

Our partners loan programs have a history of less than 1% defaults.

ESG Compliant

Our tokens represent renewable energy projects.

Liquidity

Access to public blockchain capital improves liquidity.

SECURITY

Unlike strictly digital assets, we have clawback controls that prevent loss of assets.

Regulatory Compliance

Our tokens integrate KYC and AML compliance on-chain.

Flexibility

Our tokens are EVM compatible.

24/7 Settlement

Token transactions can be settled at any time, day or night.

Contact Us

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Frequently Asked Questions

What is LenderLab?

LenderLab is a debt tokenization company and platform that enables the funding and trading of renewable energy debt notes; specifically, consumer loans for residential solar installations.

How does debt note tokenization work?

Debt note tokenization is a process that converts traditional debt notes into digital tokens on the blockchain. This technology allows for easier transfer, trading, reporting and funding of renewable energy loans.

What makes LenderLab's tokenization process unique?

LenderLab has developed a proprietary and innovative tokenization process that sets us apart in the industry. Our tokens digitize each unique loan and incorporate blockchain payments, KYC and AML controls.  This enhances efficiency, transparency, liquidity, reporting and security in solar finance.

Is my personal and financial information secure on your platform?

Yes, your security is our priority. We have implemented robust security controls to secure your information.  Encryption protocols secure transactions and all data is stored securely.  Borrower personal information is not shared on the blockchain, only the loans relevant financial information is digitized.

How do the debt notes available on your platform perform?

Our debt notes have an outstanding track record, with a historic default rate of less than 1%.   Interest rates and terms vary based on borrower characteristics and the interest rates at time of funding. In general the loans we tokenize are written at prime +1%.