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德国信贷创企Smava囊获3400万美元C轮融资

位于柏林的德国信贷经理公司Smava于上周五宣布,已完成 3400万 C轮融资。据报道,此轮融资由Runa Capital领投,mojo. capital、Verdane Capital等公司参投。能获Runa认可非同小可,其他获Runa认可的公司包括Lendingrobot、Lendio与Zopa等金融科技巨头。Smava此轮融资参投者还包括其早期投资人Earlybird Venture Capital.

Crunchbase表示,新一轮融资使Smava的总融资额超过了6300万美元。Smava在上轮由Phenomen Ventures领投的2015年B轮融资中获资1600万美元。据德语商业刊物Gründerszene消息,Smava拟计划利用新募资金拓展能力,提供“完全自动的分期贷款”。

Smava成立于2007年,Alexander Artopé担任其CEO, 有180余名员工。

Gründerszene表示,Smava起初是一家P2P借贷网站,但却渐渐缓慢演变为一般借贷市场,为私人投资者及银行与潜在买家牵线搭桥。所批借贷金额最低位1000欧元,最高为12万欧元。Smava表示,其开业至今通过其服务已完成逾17.5亿美元的交易。

其他德国媒体将Check24视为借贷市场的有力竞争者,值得关注。

旧金山公司Lending Club辞退了其CEO Renaud Laplanche,原因在于该公司认为其批准的贷款与公司条例不符。自此以后,多年来P2P借贷业日渐式微。Lending Club的丑闻甚至诱使英国金融行为监管局对P2P借贷公司开展普查。

Smava似乎代表了金融科技里较为乐观的趋势。这虽然使各公司未能推出自身计划,进入利润更为丰厚的市场,却也节省了其在监管方面的时间。德语区另一家金融科技创企,瑞士公司FinanceFox两周前在其A轮融资中募得资金2800万美元。该公司平台帮助用户整合管理其保险计划。

Smava grabbed a $34 million Series C investment, it announced on September 30, 2016 .

German credit startup Smava bags $34 million investment

Berlin-based credit broker Smava announced Friday the close of their Series C investment round, bringing in $34 million in new capital. According to reports, the round was led by Runa Capital with money also coming in from mojo.capital and Verdane Capital. Runa’s stamp of approval is a big deal, with other FinTech giants in its portfolio like Lendingrobot, Lendio and Zopa. The round also included participation from their early stage investor Earlybird Venture Capital.

This new injection of cash brings Smava’s total haul to just over $63 million according to Crunchbase. They last raised money in 2015 with a $16 million Series B funding round, led by Phenomen Ventures. The company plans to use the new cash to expand its ability to offer “fully automated installment loans,” according to German-language business news publication Gründerszene.

With 180 employees already a part of the team, Smava was founded in 2007 and is led by CEO Alexander Artopé.

Smava started out as a P2P lending portal, but has since pivoted – according to Gründerszene – toward being a general marketplace, connecting private investors and banks to potential borrowers. Their loans range from as little as 1,000 EUR to as high as 120,000. They brag of having more than $1.75 billion in transactions pass through their service since opening the business.

Looking at the German press, Check24 has been cited as a competitor in the loan marketplace space worth keeping an eye out for.

P2P has seen its sun set over the years with San Francisco-based Lending Club firing its CEO Renaud Laplanche after the company’s board faulted him for approving loans not in line with its terms. The scandal even prompted the UK Financial Conduct Authority to open a general investigation into P2P lending companies.

Smava seems to be part of a more optimistic trend in FinTech, where marketplaces are comparing everything from loans to insurance policies without getting into the mud of actually offering said loans or policies themselves. That saves companies time on regulation, although it keeps them out of the potentially more lucrative market of offering their own plans. Another FinTech startup out of the German-speaking region of Europe, Swiss-based FinanceFox, raised a $28 million Series A funding round two weeks ago for its platform that helps users consolidate and manage their insurance plans.


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