ShareRate's revolutionary "CrowdBorrowing" process and algorithms innovate for the first time on the borrower-side of the lending equation and achieved a massive value-add for lenders and consumers. CrowdBorrowing enables borrowers to collectively cooperate to retain and manage the cost and risk of defaults thereby significantly reducing interest premiums. ShareRate created the first ever “at-cost” consumer loan product for a low fixed rate service fee across all grades of borrowers. ShareRate's CrowdBorrowing technology is an overwhelmingly disruptive innovation to the traditional finance model within the multi-trillion dollar unsecured loans market that will positively impact both consumers and lenders industry-wide and provide an investment platform scalable in the billions.