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申请5亿美元信贷,SoFi计划扩大并购规模

近日有报道称,SoFi公司正在与银行方面进行积极谈判,希望筹集5亿美元的无抵押信贷额度,继续推进SoFi的金融科技并购计划。

《华尔街日报》援引熟悉此事的人士的消息称,SoFi新任负责人Anthony Noto希望通过进一步的企业并购,将SoFi打造成一家全面的金融服务企业。

Anthony Noto本人曾经在高盛集团任职。而在刚刚过去的6月,SoFi还聘请了风投公司GSV Capital的财务总监Bill Tanona担任SoFi的内部交易主管。

据Noto介绍,SoFi希望下一步先进军银行服务和财富管理领域。为此,SoFi一直在积极努力。比如上个月,SoFi就推出了支票账户和借记卡产品,使客户可以在2018年晚些时候通过这两个渠道买卖股票和其他投资产品。

由于美联储今年提高了利率,金融市场环境变得更加艰难,尤其是短期利率上升,导致从银行和机构融资开展消费贷款的成本也在逐步走高。

据《华尔街日报》报道,Noto曾在6月的会议上公开表示,上市目前并不是SoFi的工作重点。而据熟悉SoFi公司的人士表示,SoFi可能最早在2019年年末上市。

Social Finance, the online lender, has been holding talks with banks during the past few weeks in an effort to raise around $500 million in an unsecured line of credit to fund mergers and acquisitions of other FinTechs.

The Wall Street Journal, citing people familiar with the matter, reported SoFi’s new head Anthony Noto, who previously worked at Goldman Sachs, wants to boost acquisitions so that SoFi can morph into a full financial services firm. The Wall Street Journal noted that in June the fintech hired Bill Tanona, most recently finance chief at venture capital firm GSV Capital as the head of internal deal-making at SoFi. “We won’t have a mentality that everything has to be built internally,” Noto said at an industry conference in late June covered by the Wall Street Journal. “We don’t have any near-term plans, but we’re building a strategy and a process to evaluate the different opportunities as they come our way.”

Under Noto’s charge, SoFi is looking to get into banking services and wealth management and could do that via buys or partnerships. SoFi waded into the market last month by rolling out a checking account and debit cards and will give customers the ability to buy and sell stocks and other investment products later in 2018. By acquiring a FinTech it could help the company deal with an environment that is getting tougher to operate in thanks in part to the Federal Reserve’s move to raise interest rates this year. With short-term interest rates moving higher the cost of borrowing money from banks and institutions to make consumer loans is increasing. In a May letter to investors seen by The Wall Street Journal Noto said the interest rate hikes are a “challenge to our financial performance.”

As for a potential initial public offering, The Wall Street Journal reported that at the conference in June Noto said it’s not a priority for the company. People familiar with SoFi told the paper that an IPO would be in late 2019 at the earliest.


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