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网贷平台GreenSky上市在即

金融科技平台GreenSky虽然业绩斐然,但是却一直都很低调。

近日来自《华尔街日报》的消息称,该公司已经向美国证券交易委员会提交了IPO申请。

那么GreenSky究竟是谁,他们做了什么?

GreenSky运营模式比较特殊,它与商家和承包商合作在销售点提供融资。他们认为自己更像是一家科技公司,因为他们实际上并没有出借自己的资金,而是与15家银行达成合作为用户提供借贷服务。目前该平台的所有业务均可通过移动设备完成。

今年早些时候,GreenSky获得了PIMCO的2亿美元投资,使其成为了网络借贷领域最具价值的公司。

此外《华尔街日报》还称,GreenSky最快可能于2018年夏天完成IPO。然而有人指出,GreenSky的IPO计划仍处于初期阶段,其可能仍然会进行另一次私人股票出售。

其实,有许多公司都表示愿意在条件有利时进行IPO。也许GreenSky的上市能成为又一个推动行业资本运转的契机。

据了解,全球其他可能在今年结束的金融科技首次公开募股(IPO)还包括分别在伦敦和香港上市的FundingCircle和陆金所。

One of the quiet achievers in fintech is a company called GreenSky. They have flown under the radar for years despite their astounding success. Every time the Lend Academy team has seen them mentioned in the press we take great interest since little is known about the company. It wasn’t until this cover story in Forbes last year that we learned much at all.

This could be about to change. The Wall Street Journal reported this afternoon that GreenSky has confidentially filed with the SEC for an IPO.

So who is GreenSky exactly and what do they do? We wrote about the company earlier this year when we learned of their $200 million funding round from PIMCO which made them the most valuable company in the online lending space. The company has a unique model where they partner with merchants and contractors to offer financing at the point of sale. They view themselves as more of a tech company since they do not actually lend any money. This capital light business model has likely led to much of the success they have seen. Instead of lending their own money GreenSky has relationships with about 15 banks. On the tech side, the process is paperless and all done through a mobile device.

According to details from the WSJ, the IPO could happen as soon as this summer for the Atlanta based company. However, people noted that the IPO plans are still in their early stages and the company may still do another private share sale.

It has been quite some time since we’ve seen a US fintech IPO, but GreenSky could change all of that. There are many companies out there that have publicly indicated a willingness to do an IPO when conditions become favorable. Maybe the GreenSky IPO could provide a trigger and we could see more companies follow. Other fintech IPOs across the globe that may come to fruition this year include FundingCircle and Lufax who have discussed going public in London and Hong Kong respectively.


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