Hello. In my opinion the main differences are integrated exchange and safety fund.
1. Exchange allows to every user convert money without leaving the platform. It will be convenient for investors, borrowers and traders. Investor with BTC will be able to convert and  invest into Eth or USD loan. Trader will be able to receive trading loan when he needs additional working capital.
2. Safety fund. One of the important advantages of the LoanBit platform is a safety fund for partial insurance of loan granted on the platform. The existence of a safety fund will attract more investors to LoanBit. The investor may look to a partial pay back in case of interaction with an unfair or bad borrower.