Pair Lending LLC

Pair Lending, LLC is a registered investment adviser that offers advisory services to individual clients focused on alternative fixed‑income investments sourced through peer‑lending platforms and serves as a series advisor for a fund series. The firm’s brochure reports roughly $80,000 of remaining non‑managed client assets and notes it is in the process of redeeming client balances.

The firm uses a proprietary algorithm to analyze historical loan return data from Platforms and makes investments through selected peer‑lending Platforms, requiring clients to establish accounts with those Platforms and allocating opportunities on a first‑come, first‑served basis. Pair Lending exercises discretionary authority to select managers from available options and conducts monthly or quarterly account reviews while custodial statements are provided by the Platforms.

Notable distinctions for a solo independent adviser include ownership interests in affiliated advisory and investment‑related businesses and operation of a subscription data business, arrangements the brochure discloses can create referral incentives. The firm’s disclosures also highlight past regulatory settlements and arbitration matters involving prior affiliated entities, a decision not to vote client proxies, and the small scale of remaining assets—features that may be relevant when comparing operational and governance practices to peers.