At Lendr, we wanted to create a solution for the payday loan crisis. Low income families are forced to pay insane interest rates at these money marts even though they paid off all of their loans on time and pay their bills on time. The credit rating system is just broken. We wanted to defy that and use machine learning to come up with an algorithm that uses multiple abstract data points and lets you know the likelihood of person X paying off their loan. By creating a more intuitive credit ranking system, we end up being able to create a peer to peer lending/borrowing marketplace for people to lend out money and borrow money with high tendencies to pay back.