Hi Monica & Co,

Your present priority (copied from an earlier post):

The Auto-lend engine prioritises which Lender it orders notes for first using a prioritisation ratio of 'Funds available' to 'principal outstanding +1'. The Lenders with the highest ratio will get the first orders of notes. For example:


  • Lender A has $50 Funds available and $1,000 Principal Outstanding, so a ratio of 5% (50 / 1001)
  • Lender B had $300 Funds available and $8,000 Principal Outstanding, so a ratio of 3.75% (300 / 8001)
  • Lender C has $8,300 Funds available and $187,800 Principal Outstanding, so a ratio of 4.41% (8,300 / 187,801)


In this scenario, Auto-Lend would prioritise Lender A first, then Lender C, then Lender B.

In the above scenerio, A gets priority over C. In the real world, A, with just $1000 invested, would probably want to invest his/her $50 manually and not lose control over his/her money. C on the other hand do not have the time to sign in every 30 minutes to check if he/she can invest his/her $8300 cash. So the present model do not benefit those who needs Autolend most.

I can suggest two very simple alternatives:

Alternative One
Just based the priority on the Cash available.
So, would be C then B, then A.

Alternative Two
Keep your present arrangement but add 1% to an investor score for every $50000 he has in his principal outstanding.
So, someone with $2200 cash and $50000 would have $2200/$50001 +1% = 5.4%
and someone with $3000 cash and $160000 would have $3000/160001 +3% = 4.9%
Thus, in your example above C will now have 7.41% and the priority would be C, A then B.

My recommendation is Alternative Two