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美国估值最高的未上市网贷平台竟然是它?

全新的互联网金融模式国际资讯

美国估值最高的未上市网贷平台竟然是它?

谁是目前美国价值最高的在线借贷平台?不是Lending Club,不是SoFi,是一家来自亚特兰大的低调平台GreenSky。

据《华尔街日报》报道,GreenSky最近刚刚获得Pimco的2亿美元投资,企业估值达到45亿美元。除了进行常规企业运营外,GreenSky还计划利用这次融资开拓产品类别,进军PoS金融领域。

如今,GreenSky已经超越SoFi成为全美估值最高的在线借贷机构,同时还是估值仅次于Stripe的未上市金融科技创企。2016年时,GreenSky估值已经达到36亿美元。该平台与零售商、健康医疗服务商、合同方等机构合作,提供最高5.5万美元的小额在线贷款,贷款资金全部来自各大银行。

要说GreenSky最大的优势,那应该就是其规模可观的合作商家和合同方。在消费者做出购物决策时,GreenSky就可以依据需求为期提供贷款产品。这可以说是一种双赢模式,商家收获了更多的订单,而GreenSky也不用花大力气进行获客。市场对于GreenSky发展前景呈乐观态度。

GreenSky is a company that has flown under the radar for years. The Atlanta-based company has built a wildly successful business but generally doesn’t like to talk about it publicly.

Yesterday we learned from the Wall Street Journal that the company received a new $200 million funding round from Pimco, valuing the company at nearly $4.5 billion. According to the WSJ, the company will use funds for general corporate purposes and is exploring to enter other categories in point of sale financing.

GreenSky is now the most valuable online lender, surpassing SoFi and is also the second most valuable private fintech company behind Stripe. GreenSky was previously valued at $3.6 billion in 2016. GreenSky works with retailers, health care providers, merchants and contractors to offer financing up to $55,000. The loans are then funded by a variety of banks.

What makes GreenSky unique is their vast sales force. They have thousands of merchants and contractors who work directly with customers. As a customer is making a purchase decision, these merchants and contractors can offer financing. It’s a true win-win relationship and has allowed GreenSky to grow without having to deal with the high cost of customer acquisition that most online lenders face. It’s a truly differentiated model and with this new round it will be interesting to see where they go from here.

If you’re interested in learning more about GreenSky and its founder David Zalik, Forbes did a fascinating feature back in September 2017.


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