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为自由职业者提供银行账户替代方案,法国创企Shine获930万美元融资

国际资讯投融资

为自由职业者提供银行账户替代方案,法国创企Shine获930万美元融资

法国创业公司Shine主要致力于为在法国工作的自由职业者创建替代传统银行账户的解决方案。近日,该公司宣布获得930万美元A轮融资。

本轮融资由XAnge领投,现有投资者Daphni参投,还包括的投资方有Gilles Samoun和Ed Zimmerman。此前,该公司还从Daphni、Kima Ventures和各种投资方处获得了330万美元的融资。

虽然在很多国家从事自由职业者很容易,但法国并不在这其中。

在法国要想成为自由职业者,就必须注册“微型公司”,报告公司税收收入,在某些情况下还需要报告销售税情况等等。

可以说,近些年来成为自由职业者已经变得比较容易,有大量资源可以利用。但Shine希望更进一步,在应用程序中打包用户所需的一切。

首先,Shine会帮助你注册公司。下载应用程序后,Shine将指导你完成整个过程——你只需要拍下身份证照片并填写表格。这感觉就像注册社交网络。与官方流程相比,Shine的流程不那么让人望而却步,也更容易理解。

你可以像在任何银行应用程序中一样从你的Shine账户汇出和接收资金。Shine会为你提供本人银行信息(IBAN)以接收付款,并使用直接付款进行支付。几天后,你会收到一张借记卡。你可以暂时锁定该卡或禁用应用程序中的某些功能,例如ATM取款和在线支付。

Shine不直接处理IBAN和银行卡相关业务,而是与Treezor合作提供这些银行功能。

如果你是一位Deliveroo、UberEats送餐服务的骑手,或者你与诸如Malt、Side、Upwork和Brigad等自由职业者业界合作,你只需在这些平台上输入你的Shine IBAN即可。如果你是直接与客户合作,Shine拥有一个集成的发票系统。它会生成一个网页和一个PDF,你可以将其发送给客户。当客户打开页面时,你会收到通知。客户也可以用卡付款。

最后,Shine会提醒你何时必须缴纳税款,并且有一个客户支持的团队可以帮助你弄清楚需要做什么。他们正在慢慢建立一个作为法国的自由职业者需要了解的全面的知识基础。

除了选择接受银行卡支付发票款项的服务外,上述所有服务都是免费的。但即便是这个功能,它也非常便宜。

该公司计划在未来几个月推出具有先进会计功能高级产品方案。到目前为止,已有2.5万名自由职业者在法国使用Shine。10%的新自由职业者(微型企业家)通过Shine注册了公司。

虽然N26和Revolut等银行挑战者获得了广泛的成功,但我们仍然很高兴看到一些公司采用相同的方法专注于利基市场。对于法国的自由职业者来说,Shine是一股新气象。该公司正在为新手提供更轻松的流程。

French startup Shine is raising a $9.3 million (€8 million) Series A round. The company is building an alternative to traditional bank accounts for freelancers working in France.

XAnge is leading today’s round with existing investor Daphni also participating, as well as business angels Gilles Samoun and Ed Zimmerman. The company previously raised $3.3 million (€2.8 million) from Daphni, Kima Ventures and various business angels.

While it’s pretty easy to get started as a freelancer in many countries, France is not one of them. You need to register a “micro-company”, report your earnings for corporate taxes, report sales tax collection in some cases and more.

Arguably, it has gotten much easier recently with a ton of resources to get started. But Shine wants to go one step further and package everything you need in an app.

Shine starts by helping you register your company. After downloading the app, the company will guide you through the process — you need to take a photo of your ID and fill out a form. It feels like signing up to a social network. Compared to the official process, Shine’s process is less intimidating and easier to understand.

You can send and receive money from your Shine account just like in any banking app. Shine gives you your own banking information (IBAN) to receive payments and pay using direct debit. A few days later, you receive a debit card. You can temporarily lock the card or disable some features in the app, such as ATM withdrawals and online payments.

Shine doesn’t handle IBAN and cards directly. The company partners with Treezor for those banking features.

If you’re a rider on Deliveroo and UberEats, or if you work with a freelancer marketplace, such as Malt, Side, Upwork and Brigad, all you need to do is enter your Shine IBAN on those platforms. If you work with clients directly, Shine has an integrated invoicing system. It generates a web page and a PDF that you can send to your clients. When a client opens the page, you get a notification. They can pay with a card.

Finally, Shine reminds you when you have to pay your taxes and has a customer support team that can help you figure out what you need to do. They’re slowly building a comprehensive knowledge base on being a freelancer in France.

Shine is free for everything I just described except if you choose to accept card payments on your invoices. But even for that feature, it remains quite cheap.

The company plans to launch a premium plan in the coming months with advanced accounting features. So far, 25,000 freelancers are using Shine in France. And 10 percent of new freelancers (“micro-entrepreneurs”) register their company through Shine.

While challenger banks, such as N26 and Revolut are widely successful, it’s great to see some companies focus on niche markets with the same approach. Shine is a breath of fresh air for freelancers in France. The company is making the process so much easier for newcomers.


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