I believe with high probability that WhaleLend is a scam operation due to completely fake testimonials on their website, and their astroturfing with 5 different newbie sockpuppets. The last four posts were made within minutes of each other, promoting the business, in a section (Securities) that has low activity. No legitimate business would do this, it's a sign of shady operations.
WhaleLend features "direct deposits", where unlike all the other lending platforms where you only give them restricted API keys, you must directly deposit funds into WhaleLend and it goes towards their accounts.
Thread:
https://bitcointalk.org/index.php?topic=4642602.0EDIT: it turns out that their endorsements are legitimate. Disregard. However the astroturfing still stands.
The testimonials on their website, from:
"Jeremias Kangas, Founder of LocalBitcoins"
"Kenrick Drijkoningen, Golden Gate Ventures"
"Riku Seppälä, Partner at Icebreaker.vc"
"Oliver Laiho, Founder & CEO of Babylonia Capital"
etc are also fake. Those VCs and Jeremias have never heard of Whaleclub before.