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小贷平台SmartCoin完成200万美元pre-A轮融资

据外媒消息,小额贷款平台SmartCoin宣布完成了一笔200万美元的per-A轮融资,领投方为Accion Venture Lab,此前曾投资过该公司的Unicorn India Ventures 和ISME ACE,以及一家未披露名称的中国风险投资基金也参与了本轮融资。

该公司计划利用这笔最新融资扩展旗下技术和算法平台,并且招募更多优秀员工,进行业务拓展。SmartCoin公司主要通过数据科学和机器学习算法,并且结合信用评分为移动用户提供贷款服务。利用信用分数考虑借款人的资格,该评分会综合考虑到各种信息,如财务状况,社交网络和行为数据等。该公司声称能够在两个小时内为用户提供贷款,预计有望在本财年末完成5万笔贷款交易目标。此外,该公司还表示最近正在和一些非银行金融公司和小额贷款服务公司进行合作。

Bangalore based lending startup, SmartCoin, has secured $2 million in pre-series A round of investment led by a Chinese VC firm and Accion Venture Lab. The round also saw participation from existing investor Unicorn India ventures and fintech accelerator ISME ACE. The company enables small to mid sized ticket loans to mobile users after building a SmartCoin credit score, which is backed by data science and machine learning. Smartcoin had previously raised $500,000 from unicorn India Ventures, last year. The company further plans to use the funds to further invest in technology and grow its team as it continues with its expansion plans.

Commenting on the freshly secured funds, Rohit Garg, Cofounder of Smartcoin said, “We have seen a sharp uptick in growth over the past year and have successfully disbursed over 50,000 micro loans. More importantly, we have been able to open credit access for people who were not able to tap the formal channels and were otherwise dependent on personal networks and loan sharks. With this round, we expect to grow the momentum and further scale 10X over the next 6–12 months. Having specialists as investors, who are passionate about micro-lending, on board will only help us cover more ground not only in India but globally too.”

Founded by IIT/IIM alumni Rohit Garg, Amit Chandel, Vinay Kumar Singh and Jayant Upadhyay in 2016, Smartcoin acts as a consumer micro-lending platform focused on the middle/lower-income segments in India. The company further uses proprietary credit underwriting models based on machine learning and data science over vast amount of traditional and non-traditional variables.

Paarul Dudeja, Director of Investments for India, Accion Venture Lab added, “SmartCoin exemplifies what we at Accion Venture Lab look for in a partner, with its strong entrepreneurial team that is driven by the mission of providing increased access to credit through nano lending to the underserved by using an all-digital platform to expand its reach.”

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