PayPal联合创始人新创消费贷平台Affirm融资2亿美元
2898
外闻 2020-03-17 18:15:36 字数:858

据外媒报道,美国消费贷平台Affirm宣布,该公司正在进行一轮2亿美元的融资。此轮融资由新加坡主权财富基金GIC领投,此前投资方Khosla Ventures和Spark Capital参投。


PayPal联合创始人新创消费贷平台Affirm融资2亿美元


《华尔街日报》报道称,Affirm的估值预计将达到15亿到20亿美元。投资方非常看好Affirm创始人马克斯·列弗琴(Max Levchin)。他也是PayPal的联合创始人。


列弗琴表示:“公司的发展一直很好。”不过他强调,并不会为了此轮融资而庆祝。“融资并不代表胜利,这意味着你要承诺更高的成绩”。


Affirm是一项资本密集型业务,而最新融资意味着该公司可以发放更多贷款。截至今年4月,Affirm已经发放了100万笔贷款,总计约10亿美元。


Affirm帮助用户将大额支付转化为按月分期付款。在购物之前,Affirm用户可以决定分期多少个月。


列弗琴认为,相对于竞争对手,Affirm更有道德感。Affirm只会向有负担能力的用户发放贷款,此外也没有隐性收费或采取利滚利的模式。


该公司近期发布了应用,从而将业务范围从电商拓展至线下购物。列弗琴表示,面向商户合作伙伴,Affirm有着“不可阻挡的产品开发列表”。


除Affirm之外,还有其他多家公司也想要提供能取代信用卡的消费贷服务。Square近期也推出了消费贷产品。


由于担心高额债务,年轻人正在回避贷款。列弗琴表示,Affirm将开发教育工具,帮助人们管理好财务状况。


目前,Affirm的客户主要是“X一代”或更年轻的人群,他们生活在美国各地。列弗琴表示,Affirm在美国东海岸和西海岸的大城市中并不是很流行,大部分用户来自于美国内地。


列弗琴还计划使用这笔资金来拓展国际业务。此外该公司还将建立纽约办公室。


关于IPO的可能性,列弗琴表示,他不反对这个想法,但该公司并不急于上市。


Affirm此前还曾获得光速创投、安德森-霍洛维茨和Founders Fund等知名风投的投资。


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