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LendingClub前CEO创建,市场借贷平台Upgrade完成首次个人贷款证券化

全新的互联网金融模式国际资讯

LendingClub前CEO创建,市场借贷平台Upgrade完成首次个人贷款证券化

市场借贷平台Upgrade于2016年推出,由Lending Club前首席执行官Renaud Laplanche创立,主要提供个人贷款和个人信用贷款。

自成立以来,Upgrade已经先后筹集了1.42亿美元的股权资本,并发放了超过10亿美元的贷款。

近日,该平台宣布完成首次个人贷款证券化,Upgrade Receivables Trust 2018向近20家银行和资管公司发行了约2.82亿美元的票据。

据了解,这也是Upgrade成立以来的首次证券化计划,计划为按季度发行,由瑞士信贷和Jefferies担任联合主承销商,Upgrade担任交易的保荐人、服务人和管理人。

Laplanche表示,升级版的证券化计划旨在通过标准化的发行计划为其贷款购买者提供流动性和较低的资金成本。

 

Upgrade, the marketplace lending platform founded by ex-Lending Club CEO Renaud Laplanche, has closed its inaugural securitisation of personal loans.

The Upgrade Receivables Trust 2018 issued approximately $282m in notes to nearly 20 banks and asset managers.

Launched in 2016,  the platform offers personal loans and personal credit lines. It has raised $142m in equity capital and facilitated over $1bn in loans since launch.

This transaction is the first in Upgrade’s securitization program, designed as a quarterly issuance program. Credit Suisse and Jefferies acted as joint lead underwriters, and Upgrade served as sponsor, servicer and administrator for the transaction.

Laplanche, who exited Lending Club in April 2016 amid a cloud of scandal, says Upgrade’s securitisation program is designed to provide liquidity and a lower cost of funds to its loan buyers through a standardized issuance program.

“We believe this rated securitization program is the ideal complement to our marketplace approach whereby banks and asset managers can buy consumer loans and personal credit line balances on an on-going basis.”

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