Peer-to-peer lending company Prosper Marketplace president Ron Suber and CFO Macy Lee did an interview with BTIG analysts Mark Palmer and Giuliano Bologna this week, and it’s clear that the two execs are already laying the foundation for their IPO, expected later this year. “People underestimate what it takes to do this,” said Suber, explaining why his company (along with Lending Club) has a significant moat. “It takes a lot more than branding and marketing to have an actual business that can scale.” Prosper spins regulatory difficulties into its narrative Lending Club, which has already gone public, has gotten more…