雇员贷款平台PayMe India获200万美元天使投资 - 互联网金融门户 未央网

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雇员贷款平台PayMe India获200万美元天使投资

近日,来自印度诺伊达地区的在线借贷平台PayMe India宣布获得200万美元投资,投资方为一家新加坡的天使投资机构。

PayMe India表示,平台将利用这笔资金继续提高贷款发放量,扩大市场空间。

PayMe India由Mahesh Shukla和Sandeep Singh于2016年创立。创业公司为合作机构雇员提供薪酬“预支”产品,满足员工的短期资金需求。

按照PayMe India的产品描述,参与该计划的员工的最高借款额为其月工资的50%,并保证在下月工资到账之后进行偿还。

截至目前,PayMe India共拥有客户4.3万名,已发放贷款830万美元。

其实,PayMe India并不是该国唯一一家预支薪资贷款机构。另外一家主要参与者是EarlySalary,该公司在2018年1月的B轮融资中募集了1570万美元。

印度的替代性贷款市场空间正在迅速扩张。包括Lendingkart、FlexiLoans、KredX、Capital Float、Rupeelend、Myloanbuddy和MoneyinMinutes等机构都已经在这个新兴市场中占有一席之地。最近,SAIF Partners和Sequoia India支持的在线借贷平台Capital Float更是在后续C轮融资中获得了亚马逊公司的2200万美元投资。

来自Inc42 DataLabs 2017年的印度启动资金报告显示,印度金融科技行业在2017年的111宗交易中获得了30.11亿美元的投资。而目前,该行业还在持续增长。印度科技启动资金第2018年第1季度报告显示,金融科技是该阶段印度融资规模最大的一个行业。

Noida-based online lending startup PayMe India has reportedly raised $2 Mn in funding from Singapore-based angel investors. The startup will use the funding mainly for capacity and market expansion, as per a Times Of India report.

PayMe India was founded in 2016 by Mahesh Shukla and Sandeep Singh.  The startup offers an option of ‘Advance’ salary to the salaried employees, to help with short-term funding requirements. As mentioned on its website, PayMe India has developed an exclusive lending programme for the corporate employees of organisations that are partnered with them for Advance Salary.

Under the Corporate Cash Advance lending programme, employees of any partnered organisations can borrow up to a whopping 50% of their net monthly income, payable against the following month’s salary.

At present, it claims to have 43K+ customers and has disbursed loans worth $8.3 Mn (INR 56 Cr), as mentioned by the TOI report.

In the advanced salary segment particularly, another major player is EarlySalary, which raised $15.7 Mn in a Series B funding round in January 2018.

Alternative lending is a growing space in the country. Players like Lendingkart, FlexiLoans, KredX, Capital Float, Rupeelend, Myloanbuddy and MoneyinMinutes,  amongst others are already making their mark in this space. Most recently, SAIF Partners and Sequoia India-backed online lending platform Capital Float raised $22 Mn in a follow-on Series C funding round of $22 Mn from Amazon Inc.

Overall, as per Inc42 DataLabs Indian Startup Funding report 2017, the Indian fintech industry has received $3.01 Bn across 111 deals in 2017. And the sector continued to lead its growth, as according to Indian Tech Startup Funding Q1 2018 report, fintech as a sector witnessed the highest funding.


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