最有看点的互联网金融门户

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国际资讯投融资

融资总额超3亿美元 CommonBond宣布收购Gradible

CommonBond获C轮股权投资,将借新收购进入员工福利领域。

CommonBond是网络学生贷款领域的主要公司之一。7月19日,该公司宣布获C轮股权投资。CommonBond融资总额超过3亿美元,包括权益资本和基金贷款资本。本轮股权投资总额达3000万美元,主要投资人是Neuberger Berman Private Equity。至今为止包括股权和债券在内融资总额已经超过10亿美元。最近一轮融资将用于雇佣运行规模贷款的员工及其他员工,并用于构建供消费者和企业共同使用的平台。

另外,CommonBond收购了一家叫Gradible的公司。Gradible是一家专注于帮助学生管理学生贷款的个人金融平台公司。此次收购扩大了CommonBond的业务。公司将向愿意为员工提供还贷计划的雇主提供服务。员工将有两大好处:获到评估,偿还贷款。员工将获准使用相关工具,获得管理、减少学生贷款方面的帮助。向员工提供的信息适用于每一家借款方。

这则新闻让人更感兴趣的部分在于还贷部分。作为一项员工福利,现在公司可以直接帮助员工偿还学生贷款,类似于401k养老金计划。许多学生需偿还学生贷款,如果雇主试图招聘顶级人才,这种员工福利将越来越普遍。对CommonBond来说,公司开始为员工偿还学生贷款,意味着贷款风险大大降低。

根据媒体披露消息,Willis Towers Watson的一项调查发现,现在只有4%的公司提供这种福利,但他们预测到2018年这个数字将超过26%。将近100家公司正着手签署员工合伙人计划。CommonBond也宣布学生贷款再融资额超过5亿美元。如今CommonBond 在美国超过40个州都获得许可。

谈到最近的新闻时,CommonBond首席执行官 David Klein说:

“去年我们获得大跨越的发展,而今天我们将再向前一步,尽可能地推动美国消费者的金融健康发展。我们的目标就是全美4000万有学生贷款的人,无论他们的财政状况如何。”

对CommonBond 来说,这项通告是个大新闻,不仅意味着他们将继续以令人惊喜的速度发展,而且未来扩张也有了足够的资本。这项员工福利空白是一个未被触及的绝佳机会,将帮助CommonBond接触到新的借款人,收购价格可能更低。

CommonBond has raised their Series C round and is entering the employee benefits market with a new acquisition.

CommonBond, one of the major players in online student loans announced their Series C equity round today. The total raise, which is over $300 million includes both equity capital as well as capital to fund loans. The equity round totaled $30 million and was led by Neuberger Berman Private Equity. Total raised to date between equity and debt now totals over $1 billion. The recent round will be used to hire individuals across the organization, scale loan operations and build out the platform for both consumers and employers.

In addition, they have acquired a company called Gradible. Gradible is a personal finance platform focused on helping students manage their student loan debt. This expands their offering to employers who would like to provide a repayment program to their employees. The benefit to employees includes two aspects: assessment and contribution. Employees will have access to tools to help manage and save on their student loans. Information provided to the employee is adapted to each borrowers’ situation.

The more interesting aspect of this news is the contribution piece. As an employee benefit, companies can now contribute directly to their employees’ student loans, similar to that of a 401k matching program. As student loan debt continues to climb, this type of employee benefit will become more common for employers as they try to recruit top talent. For CommonBond it means a less risky borrower pool as companies begin contributing to the student debt of their employees.

According to the press release, a survey by Willis Towers Watson found that just 4% of companies currently offer this type of benefit, but they estimate that this could be over 26% by 2018. Nearly 100 companies are signing on to their employer partnership program. CommonBond also announced that they have crossed the $500 million mark in student loan refinancing. They now are licensed in more than 40 states across the United States.

CommonBond CEO David Klein had this to say about the recent news:

“We’ve had a phenomenal stretch of growth this past year, and today’s announcement powers even more going forward. Our mission is to have as broad an impact as possible on the financial health of consumers in the U.S. And with our new investors and our new suite of employer-based products, we’re able to take our mission to the next level, now reaching all 40 million Americans with student debt, regardless of their financial profile.”

This announcement is big news for CommonBond. Not only have they continued to grow at an impressive pace, but they are also well capitalized for future growth. The employee benefit space is an untapped opportunity and will help CommonBond reach new borrowers at likely a lower cost per acquisition.


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