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Funding Circle收购LeapPay 贷款审批提速在即

网上借贷平台必须平衡两件事情:贷款项目在平台的完整承销过程和审批贷款人项目的速度。一些小企业贷款平台选择快速的自动化方式进行筛选。而其他公司,例如Funding Circle则由专人来负责控制整个承销过程。

当然这个过程也不可能是完全手动的,尤其是涉及到在线贷款的时候。所有平台都会使用一些自动化操作。这就是我们为何要关注Funding Circle近日的这单收购。

此次的并购对象是LeapPay,这家公司从事了多年的票据融资自动承销业务。就此我联系了Funding Circle美国分公司负责人Sam Hodges,了解到了一些相关细节。

"这笔交易的本质就是购买了一些提升用户线上体验的技术" Hodges说,"LeapPay有一个很好的开发系统,能帮助用户更容易地提取标准格式下的信息。"

此次收购的另一个好处是,LeapPay集成了三个主要的会计软件平台:Quickbooks,Freshbooks和Xero。虽然Funding Circle先前已经与QuickBooks合作,而如今新增的两个平台将帮助他们获得了更多的小企业客户。

但最大的好处还是体现在审批速度。"目前,我们的整个贷款审批过程需要7天左右" Hodges说,"此次收购将使整个进程缩短1到2天。"

当我问及LeapPay的核心业务(票据融资)相关事宜时,Hodges什么也没有透露。他说,Funding Circle会在以后增加针对小企业的贷款产品,如设备融资、商业物业、票据融资等。但还没有设定时间表,也没有明确的计划。

总之,这次收购将使小企业获得Funding Circle的贷款更加方便。并给小企业带来更高的兑换率,给投资人带来更多的贷款项目。

All online lending platforms have to balance two things: a thorough underwriting process from their end and a quick approval for the borrower. Some companies in the small business lending space have chosen a fast and more automated approach. Other companies, like Funding Circle prefer a human to control the underwriting process.

But of course, nothing is completely manual, particularly when it comes to online lending. All platforms use some level of automation. And this brings us to the Funding Circle acquisition that was announced today.

Funding Circle has acquired LeapPay, a company that has done a lot of work around automated underwriting in its invoice financing business. I reached out to Sam Hodges, who heads up Funding Circle’s US operations to get some more details.

“What this deal is really about is buying some technology that will help with the customer onboarding experience,” said Hodges. “LeapPay has a really good mousetrap for onboarding customers that makes it easier to pull information in a standardized format.”

Another benefit of this acquisition is that LeapPay integrates with the three leading accounting software platforms: Quickbooks, Freshbooks and Xero. While Funding Circle has previously integrated with Quickbooks, adding two more platforms gives them access to a broader range of small businesses.

But the big benefit is speed. “Today our loan approval process takes about seven days”, said Hodges. “This acquisition will allow us to shave a day or two off that process.”

When I asked about the invoice financing business, that was LeapPay’s core business, Hodges did not commit anything. He said that Funding Circle will be adding small business loan products over time such as equipment finance, commercial property, invoice financing and others. But there is no set timetable nor has anything definite been decided upon.

Bottom line is this acquisition will make it easier for small businesses to obtain a loan from Funding Circle. This should lead to a higher conversion rate for them and more loans for investors.


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