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小企业贷款平台Kabbage计划年内推出支付服务

近日,美国小企业网贷平台Kabbage宣布,将在年底前推出支付处理服务,帮助客户(主要是实体店客户)接受店内和网络支付。

该公司总裁Kathryn Petralia接受采访时表示,Kabbage计划借此丰富平台业务,解决现金流管理痛点,更好地与行业领先的支付企业PayPal和Square等公司进行竞争。

Kabbage成立于2009年,主要通过网络平台为小企业提供贷款,不仅贷款成本更低,而且贷款速度也更快。

2017年8月,Kabbage获得了软银集团总计2.5亿美元投资。该平台利用这笔大额融资积极拓展贷款产品和其他类型的金融服务。此外,Kabbage还将其贷款技术出售给希望在线提供信贷的大型银行。

其实,PayPal和Square也向商户提供贷款。付款处理程序使用他们处理的交易数据来为客户做出贷款决定。

PayPal在2017年8月份收购在线银行Swift Financial时,算是其进军小企业贷款市场迈出的重要一步。而就在上后,PayPal还以创纪录的22亿美元收购瑞典支付公司iZettle,继续加强自己的支付终端业务能力。

Kabbage Inc, a U.S. online lender for small businesses, plans to launch payment processing services by year-end, President Kathryn Petralia said on Monday, helping it to diversify and compete more directly with industry leaders PayPal Holdings Inc (PYPL.O) and Square Inc (SQ.N).

The Atlanta-based startup will offer tools to enable clients, mostly brick-and-mortar businesses, to accept card payments in-store and online, Petralia said in an interview.

“The monoline businesses have a hard time succeeding long term,” Petralia said, adding that Kabbage hopes the move would deepen its relationship with customers.

“We have seen a huge pain point around cash flow management,” she added, citing high monthly fees and lengthy contracts of payment services by other providers.

Launched in 2009, Kabbage is among a group of startups that use digital technologies to lower lending costs and offer credit faster than large banks.

Kabbage can help companies avoid lengthy credit card reader application processes because it already has information on their business, Petralia said.

In August Kabbage raised $250 million from Softbank Group Corp (9984.T) to help it add lending products and other types of financial services. Kabbage also sells its lending technology to large banks looking to offer credit online.

PayPal and Square, which was founded by Twitter Inc’s (TWTR.N) Jack Dorsey, also offer loans to merchants. Payments processors use data on transactions they process for clients to make lending decisions.

PayPal made a strong push into small business lending in August when it acquired online lender Swift Financial. Last week it announced a deal to acquire Swedish payments company iZettle for $2.2 billion, expanding into payments terminals.


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