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瞄准中小公司业务,法国P2P信贷公司Lendix获3700万美元融资

全新的互联网金融模式国际资讯投融资

瞄准中小公司业务,法国P2P信贷公司Lendix获3700万美元融资

近日,法国P2P信贷公司Lendix获得新一轮3700万美元(合3200万欧元)融资。该笔融资将有望帮助Lendix成为欧洲大陆领先的P2P借贷市场。本轮融资由 Idinvest 和 Allianz 领投,CIR SPA(De Benedetti 的控股公司)以及现有投资方PARTECH、CNP Assurances、Decaux Frères Investissements 和 Matmut 跟投。

成立的第一年,Lendix就管理了2250万美金(相当于2000万欧元)规模的贷款。Lendix通常为中小企业管理3到6年借贷资金,年收益回报率4%到9%不等。2016年Lendix收购了竞争对手Finsquare,在短期借贷业务方面也有突破。

Lendix的一大特点是借贷手续简便。用户在平台注册后,系统会自动生成并记录合约。据了解,平均每笔借贷的价格是220欧。复杂的投资和借贷手续把很多潜在的用户挡在门外,如果公司规模较小,通过Lendix获得贷款比传统银行更快,48小时内就可以得到利率。“银行很难在这么短的时间内给出答复,我们的目标是在半天之内给出利率”,联合创始人兼CEO Olivier Goy说到。

虽然和传统银行相比,Lendix的体量只是杯水车薪,但是Lendix并不满足于只是简化货币市场和提供小型企业借贷,公司希望能尽可能提供区别于银行的差异化产品。

未来有很大的想象空间:用户作甩手掌柜,Lendix根据用户选择风险偏好和资金收益率自动操作,类似支付宝的金融产品。

到目前为止,法国、西班牙和意大利的居民已经可以签约向该平台借钱。年底之前,Lendix正努力扩展信贷业务到荷兰和德国,明年业务将覆盖7个国家。

Lendix还开发了一个名为Iris的工具,帮助公司建立数据库。这样一来,Lendix可以更清楚地了解申请贷款的公司,也可以识别出诈骗模式,例如,一个人不停地合并新公司然后关闭。

另一方面,Iris还能够在一些公司还未申请贷款的时候就先识别它们,然后公司主动去联系借贷业务。

相比融资圈,Lendix的存在感并不强,然而公司认为,这个领域仍有足够的空间可以容纳多个玩家。

French startup Lendix has raised a new funding round of $37 million (€32 million). With this new influx of cash, the startup has one goal in mind. It wants to become the leading lending marketplace of Continental Europe.

Idinvest and Allianz are leading the round, with CIR SpA (De Benedetti’s holding firm) also participating. Existing investors Partech, CNP Assurances, Decaux Frères Investissements and Matmut are also participating once again.

As of today, people living in France, Spain and Italy can sign up to lend money to companies established in those three countries. But the startup is already working hard to expand to the Netherlands and Germany before the end of the year. Next year, Lendix plans to operate in 7 countries.

And it seems like it’s becoming easier to launch new markets. There are now quite a few users and institutional investors on the platform. Lendix doesn’t need to attract Dutch users to start lending to Dutch companies. French, Italian and Spanish users are already willing to put some money in Dutch companies. It’s a true European user base because everybody uses the same currency.

With today’s funding round, it’s going to be easier to launch in Germany. “When you want to open in Germany — and that is our current plan — it’s harder to recruit if you don’t have a German brand name behind you,” co-founder and CEO Olivier Goy told me.

That’s why Allianz is going to be more than just a financial backer. For instance, the insurance company is going to promote Lendix to its corporate clients so that they think about Lendix if they need to borrow some money.

It’s another proof that Lendix doesn’t want to be a French company that operates in other countries. The company also has opened an office in Madrid and another one in Milan with local teams.

Lendix is still a drop in the bucket compared to traditional bank loans. But the company wants to differentiate its product offering from regular banks as much as possible.

Right now, when a company requests a loan, the company’s algorithms are going to work on a basic credit scoring. After that, somebody calls the company to ask a few questions. The Lendix team can focus on more specific information.

“We also have developed a tool called Iris,” CTO Benjamin Netter told me. “It is going to become the biggest intelligence database for European companies.”

France is leading the way when it comes to open data. You can now access the registry of commerce, the identification number database and important incorporation events. But it’s a mess if you want to access this data. There are different file formats, and the same database uses different fields depending on the region of France.

Lendix has been parsing all this data to turn it into an actionable database. This way, Lendix can get a clear overview of companies that apply for a loan.

The company doesn’t plan to stop there. You could use Iris to detect some fraud patterns. For instance, a person could keep incorporating new companies and shutting them down quickly.

Eventually, you could reach out to companies before they need to apply for a loan. Netter mentioned a restaurant called Street Bangkok. They’ve opened three restaurants over the past six months. It’s clear that they might need some money at some point to invest in new restaurants. Lendix Iris could spot those patterns.

Lendix is still nowhere near as big as Funding Circle. But the company thinks there’s enough room for multiple players in this space. Both can grow at the same time by competing with traditional banks.

And it starts by being faster than a traditional bank. Companies get a rate within 48 hours. “Our goal is that you should be able to get a rate within half a day,” Goy said. Banks will have a hard time giving you an answer so quickly.


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