Lendingclub and Ondeck Capital ( ).

参考解析：

细节题。根据题干当中关键词Lendingclub 和 Ondeck Capital, 定位至文章最后一段。根据“Lendingclub and Ondeck Capital, two lenders that went public in 2014 promising to shake up the banking industry, have struggled with high sales-and-marketing costs, and difficulty finding cheap and stable funding for loans.”可以得知，这两家公司很难降低自己的成本，故选项A正确。B选项根据2017定位“Neither company turned a profit in 2017.”，选项与题干不符，原文说的是这两家公司在2017年都没有盈利。C项根据2014定位至Lendingclub and Ondeck Capital, two lenders that went public in 2014 promising to shake up the banking industry, 原文中只是说要承诺重组银行业，并不是已经成功重组了，故排除。D选项根据share定位“Lendingclub's share price has fallen by 82%; Ondeck's has dropped 76%.”，原文中只说了这两家公司股价下跌，并没有说要承受更高的股价。故本题正确答案选A。