After months of speculation about the when, Lending Club Corp. has started down the path to going public, tapping banks including Morgan Stanley and Goldman Sachs to help them put together an IPO for later 2014. The P2P lending platform connects investors to individual borrowers and SMBs. The platform has made more than $4 billion in loans possible since its inception. The IPO could make as much as $500 million - the company was valued at around $4 billion during its last fundraising round, though it could now move to seek a higher valuation.