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德国小企业借贷平台Creditshelf计划今年上市

全球第一家P2P贷款机构Funding Circle上市的消息已经传了好久。据悉,该公司计划在伦敦证券交易所上市,融资目标15亿英镑。

虽然Funding Circle的计划一拖再拖,但是却提前在行业内掀起了一股上市的热潮。

这一次上场的是德国中小企业借贷平台Creditshelf。

据了解,Creditshelf计划在2018年第三季度登陆法兰克福证券交易所主板市场,融资目标1500万到2000万欧元。

Creditshelf于2015年在德国成立。截至2018年3月31日,Creditshelf已经累计受理贷款申请1100多笔,累计发放贷款5800万欧元,平均贷款额为54万欧元,平均利率为9%,平均贷款期限17个月。

该平台的贷款资金主要源自多家机构投资者(包括葡萄牙挑战银行Banco BNI Europa)、200多名高净值个人、家族办公室和Obotritia Capital KGaA(由Rolf Elgeti控制)。

Creditshelf认为,受十年前金融危机的影响,银行贷款规模大大缩水,目前市场中的“信贷缺口”约为1000亿欧元。从现有中小企业贷款量和10%的中小企业在线贷款市场渗透率来看,未来中小企业在线贷款的市场规模大概在390亿欧元左右。

For some months now, momentum has been building behind what will be a historic IPO for the world’s first peer-to-peer business lender Funding Circle. The company is expected to raise in the region of £1.5bn in a listing on the London Stock Exchange.

But while Funding Circle has been lining up all the right pieces (banks, senior hires, a new performance page, etc.), another business lending platform beat it to the punch.

Creditshelf – a platform unique for its focus on bigger-ticket SME lending – was last week linked with a listing in an article in leading German outlet Handelsblatt. Those rumours were today confirmed by the company.

The lender aims to raise €15-20m through floating its shares on the Regulated Market (Prime Standard) of the Frankfurt Stock Exchange. The IPO is scheduled for the third quarter of 2018.

Long-term shareholder Hevella Capital GmbH & Co. KGaA, which is controlled by Rolf Elgeti, will place a backstop order of €15 as part of the listing.

Creditshelf launched in Germany in 2015. The firm says it had fielded more than 1,100 loan applications, carrying a volume of around €900m, as of 31 March 2018. In that same period it has lent €58m, with an average loan size of €540k, an average interest rate of approximately 9 per cent and an average term of 17 months.

Within its niche, Creditshelf sees a ‘credit gap’ of around €100bn, resulting primarily from post-crisis restrictions on bank lending. Factoring in existing SME lending volumes and an assumed market penetration of 10 per cent in online SME credit markets, Creditshelf sees an addressable market of roughly €39bn.

The platform funds loans with capital from a number of institutional investors (including Portuguese challenger bank Banco BNI Europa), more than 200 high net worth individuals, family offices and Obotritia Capital KGaA (controlled by Rolf Elgeti) as its anchor investor.

Dr. Tim Thabe (pictured), CEO and co-founder of Creditshelf, said in a statement: “The IPO will enable us to execute our growth strategy based on well-defined pillars such as software investments, product portfolio expansions, and the implementation of banking cooperations approximately €500m in arranged credit volume per year.”

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