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线上黄金抵押贷款平台Rupeek再获683万美元融资

国际资讯投融资

线上黄金抵押贷款平台Rupeek再获683万美元融资

近日,线上黄金贷款平台Rupeek宣布获得了一笔683万美元的新一轮融资,领投方为知名风投Accel Partners,参投方包括此前曾投资过该公司的红杉资本。截至目前,该公司的融资总金额已经达到了925万美元。

在本次投资交易中,Accel Partners风投投资了500万美元,剩下的资金来自于红杉资本。作为一家黄金贷款服务平台,Repeek公司主要与非银行金融公司合作,为借款人提供全面的贷款解决方案。而与传统贷款平台不同的是,他们只接受黄金首饰作为贷款抵押物,但是却不支持金币和金条等其他形式的抵押物。用户可以通过Rupeek的网站或移动端填写申请,提供详细信息(包括身份和地址证明以及银行账户等)。只要信息得到核实,金额将会直接打入申请人的银行账户,十分便捷。值得一提的是,黄金质押贷款是指借款人以可在黄金交易所交易且交割的标准金作质押,从银行获得信贷资金的一种贷款方式。

Bengaluru-based Rupeek, which operates an online marketplace for gold loans, has raised $6.83 million (Rs 44 crore) in a fresh funding round led by Accel Partners.

While Accel Partners put in $5 million (Rs 32.55 crore), existing investor Sequoia Capital invested the remaining, Rupeek’s filings with the Ministry of Corporate Affairs (MCA) revealed.

In January 2017, Sequoia invested $2 million in Rupeek, according to the filings. Between 2015 and 2016, the startup also raised $346,000 (Rs 2.23 crore from a clutch of investors including Anand Chandrasekaran (former CPO, Snapdeal), Anupam Mittal (founder, People Group), Kunal Shah (founder, Freecharge) and Ravi Garikipati (CTO, Flipkart).

The latest round takes the total funding raised by the startup to $9.25 million (Rs 59.6 crore), as per the filings. It could not be ascertained whether this is the company’s Series B round or part of a larger funding round.

As per VCCircle estimates, the company is likely to be valued at $31 million (around Rs 200 crore) post money, indicating a five-fold jump from its valuation when it raised the earlier funding round.

Email queries sent to Sumit Maniyar, co-founder and CEO of Rupeek, did not elicit a response.

In September 2017, The Economic Times reported that the company was set to raise $12 million in an early stage of round led by Accel Capital and Lok Capital.

Rupeek , founded by Maniyar and Ashwin Soni, was incorporated in 2015. Through Rupeek’s Android app, consumers can apply for gold loans by providing details including identity and address proof as well as a cancelled cheque leaf. Once the documents are verified, the money is credited to the applicant’s bank account. The company claims it can process and disburse the loan within an hour.

Operational only in Bengaluru, the three-year-old startup accepts only gold jewellery and does not accept gold coins or bars as a pledging asset. It currently offers one-year tenure on the gold loans, according to its website. The firm has tied up with Federal Bank and Karnataka-based Yogakshemam Loans Pvt. Ltd.

Customers can also apply for loans by calling Rupeek which then sends a representative to the consumer’s doorstep to help apply and process the loan. While Rupeek’s gold loans marketplace is operated by Rupeek Fintech Pvt. Ltd, the startup also has a subsidiary called Rupeek Capital Pvt. Ltd.

Rupeek Capital, which was incorporated in February 2017, will foray into the business of providing short- and long-term loans, according to its Memorandum of Association. The company has also applied for a non-banking financial company (NBFC) licence.

While the consolidated financials of Rupeek Fintech showed no revenues for FY2015-16, it clocked operational revenues of Rs 3.26 lakh and gross revenues of Rs 29.40 lakh for FY2016-17. However, expenses rose four times to Rs 1.36 crore from Rs 34.08 lakh the previous year, mainly due to a more than three-fold rise in employee expenses at Rs 79.93 lakh, up from Rs 23.48 lakh the previous year. Net loss widened to Rs 1.07 crore from Rs 34.08 lakh.


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