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英国数字银行Tide获1400万美元融资

近日,英国数字银行Tide获得了1400万美元的A轮融资,这家英国创企主要为中小型企业客户提供服务。本轮融资由Anthemis和Creandum领投,Passion Capital和LocalGlobe参投,这两家参投方还参与了去年Tide的200万美元种子轮融资。同时,Tide还宣布和欧洲在线借贷公司iwoca建立了合作,公司将在今年夏天推出第一个借贷项目,借贷金额的上限为10万欧元。

作为一家移动银行服务创企,Tide 主要面向中小企业客户,利用移动端应用帮助他们解决贷款难的问题。Tide 公司的优势在于,利用大数据分析技术,他们评估贷款申请方的速度比传统银行更快,而且贷款风险也更低,因此也给欧洲各大银行带来了不少挑战。

这轮融资将帮助Tide继续完善服务业务。公司并没有公布估值和营收信息,但首席执政官兼联合创始人George Bevis表示,公司即将完成“数十万份交易”,这个数字每周都会增加10%,公司还计划进入更多市场,为数千万家小型公司提供服务。

Tide的独特的销售主张一部分在于它创建的各种帮助管理客户资金的技术工具,另一部分在于它是如何和其它公司进行合作的。目前,Tide并没有完整的银行执照,因此它选择与其他具有银行资质的机构进行合作。Tide首席执政官兼联合创始人GEorge Bevis表示目前对Tide来说最好的选择是如何优化其业务,他还指出大多数针对中小型企业提供服务的金融科技初创公司也只获得了部分银行牌照。

Tide成立于2016年,主要为中小型企业客户提供服务。公司利用人工智能去“阅读”发票,自动理解发票的细节,包括账号、发票的目的以及应该报销的金额。

Tide, a UK-based mobile-first SME banking service, has raised $14m in one of the largest Series A investment rounds closed by a fintech company this year. Founded by former RBS/Worldpay head of innovation George Bevis, Tide launched in Janaury after raising more than $2m in funding in 2016.

The business - which has fintech czar and Passion Capital partner Eileen Burbidge as chairman - enables users to set up a fully functioning business account in a matter of minutes using their passport or driving licence.

Alongside banking and payment facilities, Tide provides invoicing and bookkeeping services which aim to ease the administrative burdens faced by small companies. The new round has been led by Anthemis, alongside Creandum, the Scandinavian fund that has backed Spotify and iZettle and earlier investors Passion Capital and Local Global.

Bevis says the cash will be used to expand Tide's workforce at its central London headquarters and create new services, including multi-user access to accounts and service availability in multiple currencies.

In an example of the rebundling of banking services by innovative startups, the fundraising coincides with the announcement of a partnership with online lender iwoca, which will offer Tide customers loans of up to £100,000 from later this summer. Iwoca’s risk engine makes instant lending decisions based on complex data sets.

Christoph Rieche, CEO and co-founder of iwoca, comments: “Iwoca’s innovative tie-up with Tide will enable small businesses to access finance without ever having to leave the Tide app, making the process fast, simple and hassle-free. Tide have built the integration on top of iwoca’s new Lending API, an industry first solution which opens up our award-winning platform to partners allowing them to fund small businesses directly.”


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