Lending Club provides investments to loans that are assigned a grade (from A to G) based on borrower credit quality and underlying risk. These Nare not guaranteed or insured, and investors may lose some or all of the principal invested. You should consult your financial advisor if you have any questions or need additional information. Actual results may vary. When borrowers miss payments and loans become late, Lending Club uses best practices from the banking industry to bring delinquent loans back to "current" status.