LendingClub Corp., a online marketplace directly connecting borrowers and investors filed with U.S. regulators for an initial public offering. The company allows investors lend directly to people and businesses and uses the low cost online platform cutting banks out as, the middleman. Joseph Schuster, founder of IPO research firm IPOX Schuster LLC, said “LendingClub has an interesting business model and had found a niche in the marketplace as bigger banks are scaling back riskier lending.”