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Alternative Lending Report, September 2016
Tracxn
World’s Largest Startup Research Platform
2
Alternative Lending Report, September 20163
Contents
Topic Page No.
Scope of Report 04
Entrepreneur Activity 06
Investment...
Alternative Lending Report, September 20164
Sector Overview
Scope of report
This report covers lending companies which ope...
Alternative Lending Report, September 2016
Scope of Report
Entrepreneur Activity
Investment Trend
Who is Investing
Exit Ou...
Alternative Lending Report, September 2016
67
110
144
269
416
373
61
0
90
180
270
360
450
2010 2011 2012 2013 2014 2015 20...
Alternative Lending Report, September 20167
Large Upcoming Sectors
No. of Companies
Founded
Average
Age
No. of Companies
F...
Alternative Lending Report, September 20168
Niche Upcoming Sectors
No. of Companies
Founded
Average
Age
No. of Companies
F...
Alternative Lending Report, September 2016
Scope of Report
Entrepreneur Activity
Investment Trend
Who is Investing
Exit Ou...
Alternative Lending Report, September 201610
YoY – Number of Rounds and Total Funding
Note: The funding includes debt roun...
Alternative Lending Report, September 201611
YoY – Number of Rounds by Stage
21 33 46
130 143
6721
21
53
121
209
121
8
12
...
Alternative Lending Report, September 201612
YoY – Funding by Stage
$18M $27M $37M $126M $170M $96M$139M $287M $420M
$1.2B...
Alternative Lending Report, September 201613
Average Ticket Size – Early Stage
$0.7M $1.0M $1.0M $1.3M $1.9M $2.2M
$7.5M $...
Alternative Lending Report, September 201614
Top investments in last one year
Company
Funding
Amount
Round
Name
Date Inves...
Alternative Lending Report, September 201615
Top investments in last one year
Company
Funding
Amount
Round
Name
Date Inves...
Alternative Lending Report, September 201616
Funnel view of Sector
Percent of
Previous
0.38%
0.65%
0.35%
45
70
152
431
666...
Alternative Lending Report, September 2016
Scope of Report
Entrepreneur Activity
Investment Trend
Who is Investing
Exit Ou...
Alternative Lending Report, September 201618
Most Active Investors in Sector
27
24
23
18 18
17
16
14
13 13
0
5
10
15
20
25...
Alternative Lending Report, September 201619
Where are Top Investors investing
QED
Investors
Victory Park
Capital
Sequoia
...
Alternative Lending Report, September 201620
Top Investor by Stage of Entry
Sequoia Capital 6
Victory Park Capital 6
Omidy...
Alternative Lending Report, September 2016
Scope of Report
Entrepreneur Activity
Investment Trend
Who is Investing
Exit Ou...
Alternative Lending Report, September 201622
Top IPOs in last three years
IPO
Date
Company Overview
Funding
Amount
Dec-201...
Alternative Lending Report, September 201623
Major Acquisitions in the sector
Date Company Acquirer
Deal
size
Overview
Tot...
Alternative Lending Report, September 2016
Scope of Report
Entrepreneur Activity
Investment Trend
Who is Investing
Exit Ou...
Alternative Lending Report, September 201625
September 2016Tracxn BlueBox : Alternative Lending
Cumulative funding in the ...
Alternative Lending Report, September 201626
Top Business Models by Funding
$16.3B
$3.7B
$593M
$86M
0
3600
7200
10800
1440...
Alternative Lending Report, September 201627
Consumer Loans – Business Model Description
Consumer Loans – Online lending p...
Alternative Lending Report, September 201628
Consumer Loans – Entrepreneur Activity and
Investment Trend
$25M $61M $99M $4...
Alternative Lending Report, September 201629
Consumer Loans – Most Funded Companies
Company Overview Business Model
Fundin...
Alternative Lending Report, September 201630
Business Loans – Business Model Description
Business Loans – Online lending p...
Alternative Lending Report, September 201631
Business Loans – Entrepreneur Activity and
Investment Trend
$148M $13M $42M $...
Alternative Lending Report, September 201632
Business Loans – Most Funded Companies
Company Overview Business Model
Fundin...
Alternative Lending Report, September 201633
Enablers – Business Model Description
Enablers - Companies providing allied s...
Alternative Lending Report, September 201634
Enablers – Entrepreneur Activity and Investment
Trend
$1M $14M
$94M
$20M
$93M...
Alternative Lending Report, September 201635
Enablers – Most Funded Companies
Company Overview Business Model
Funding
Amou...
Alternative Lending Report, September 201636
Aggregators – Business Model Description
Aggregators – These are the platform...
Alternative Lending Report, September 201637
Aggregators – Entrepreneur Activity and
Investment Trend
$3M $4M
$27M
$3M $0....
Alternative Lending Report, September 201638
Aggregators – Most Funded Companies
Company Overview Business Model
Funding
A...
Alternative Lending Report, September 2016
Scope of Report
Entrepreneur Activity
Investment Trend
Who is Investing
Exit Ou...
Alternative Lending Report, September 201640
Interesting Unfunded Companies
Company Overview
Business
Model
fastbanking.co...
Alternative Lending Report, September 201641
Interesting Seed Companies
Company Overview Business Model
Total
Funding
Payf...
Alternative Lending Report, September 201642
Interesting Series A Companies
Company Overview Business Model
Total
Funding
...
Alternative Lending Report, September 201643
Interesting Series A Companies
Company Overview Business Model
Total
Funding
...
Alternative Lending Report, September 201644
Interesting Series A Companies
Company Overview Business Model
Total
Funding
...
Alternative Lending Report, September 201645
Interesting Series A Companies
Company Overview Business Model
Total
Funding
...
Alternative Lending Report, September 201646
Interesting Series B Companies
Company Overview Business Model
Total
Funding
...
Alternative Lending Report, September 201647
Interesting Series B Companies
Company Overview Business Model
Total
Funding
...
Alternative Lending Report, September 201648
Interesting Late Stage Companies
Company Overview
Business
Model
Total
Fundin...
Alternative Lending Report, September 201649
Interesting Late Stage Companies
Company Overview Business Model
Total
Fundin...
Alternative Lending Report, September 201650
Interesting Late Stage Companies
Company Overview Business Model
Total
Fundin...
Alternative Lending Report, September 201651
Funded Deadpooled Companies
Company Overview Business Model
Total
Funding
ron...
Alternative Lending Report, September 2016
Scope of Report
Entrepreneur Activity
Investment Trend
Who is Investing
Exit Ou...
Alternative Lending Report, September 201653
Useful Links
Slide Title Content Platform Link
List of All Companies in reada...
Alternative Lending Report, September 2016
Scope of Report
Entrepreneur Activity
Investment Trend
Who is Investing
Exit Ou...
Alternative Lending Report, September 201655
Alternative Lending – Company List
Consumer Loans Business Loans Enablers Agg...
Alternative Lending Report, September 2016
Consumer Loans (1/108)
Company Overview Business Model
Total
Funding
Meili Jiro...
Alternative Lending Report, September 2016
Consumer Loans (2/108)
Company Overview Business Model
Total
Funding
Pawngo
(20...
Alternative Lending Report, September 2016
Consumer Loans (3/108)
Company Overview Business Model
Total
Funding
ipfand
(20...
Alternative Lending Report, September 2016
Consumer Loans (4/108)
Company Overview Business Model
Total
Funding
Assetline
...
Alternative Lending Report, September 2016
Consumer Loans (5/108)
Company Overview Business Model
Total
Funding
Borro
(200...
Alternative Lending Report, September 2016
Consumer Loans (6/108)
Company Overview Business Model
Total
Funding
Kamdo
(201...
Alternative Lending Report, September 2016
Consumer Loans (7/108)
Company Overview Business Model
Total
Funding
Weidai
(20...
Alternative Lending Report, September 2016
Consumer Loans (8/108)
Company Overview Business Model
Total
Funding
Qishidai
(...
Alternative Lending Report, September 2016
Consumer Loans (9/108)
Company Overview Business Model
Total
Funding
Silver Bul...
Alternative Lending Report, September 2016
Consumer Loans (10/108)
Company Overview Business Model
Total
Funding
Credit Ac...
Alternative Lending Report, September 2016
Consumer Loans (11/108)
Company Overview Business Model
Total
Funding
Chenengda...
Alternative Lending Report, September 2016
Consumer Loans (12/108)
Company Overview Business Model
Total
Funding
Credilike...
Alternative Lending Report, September 2016
Consumer Loans (13/108)
Company Overview Business Model
Total
Funding
Skills Fu...
Alternative Lending Report, September 2016
Consumer Loans (14/108)
Company Overview Business Model
Total
Funding
51bangxue...
Alternative Lending Report, September 2016
Consumer Loans (15/108)
Company Overview Business Model
Total
Funding
Student L...
Alternative Lending Report, September 2016
Consumer Loans (16/108)
Company Overview Business Model
Total
Funding
Credible
...
Alternative Lending Report, September 2016
Consumer Loans (17/108)
Company Overview Business Model
Total
Funding
Smart-Pig...
Alternative Lending Report, September 2016
Consumer Loans (18/108)
Company Overview Business Model
Total
Funding
GraduRate...
Alternative Lending Report, September 2016
Consumer Loans (19/108)
Company Overview Business Model
Total
Funding
DANA didi...
Alternative Lending Report, September 2016
Consumer Loans (20/108)
Company Overview Business Model
Total
Funding
SalaryFin...
Alternative Lending Report, September 2016
Consumer Loans (21/108)
Company Overview Business Model
Total
Funding
MEDILOAN
...
Alternative Lending Report, September 2016
Consumer Loans (22/108)
Company Overview Business Model
Total
Funding
Finrise
(...
Alternative Lending Report, September 2016
Consumer Loans (23/108)
Company Overview Business Model
Total
Funding
AmicCARE
...
Alternative Lending Report, September 2016
Consumer Loans (24/108)
Company Overview Business Model
Total
Funding
L-Pesa Mi...
Alternative Lending Report, September 2016
Consumer Loans (25/108)
Company Overview Business Model
Total
Funding
MoneyVeo
...
Alternative Lending Report, September 2016
Consumer Loans (26/108)
Company Overview Business Model
Total
Funding
Milaap
(2...
Alternative Lending Report, September 2016
Consumer Loans (27/108)
Company Overview Business Model
Total
Funding
51Give
(2...
Alternative Lending Report, September 2016
Consumer Loans (28/108)
Company Overview Business Model
Total
Funding
Kubaru Mi...
Alternative Lending Report, September 2016
Consumer Loans (29/108)
Company Overview Business Model
Total
Funding
Lenda
(20...
Alternative Lending Report, September 2016
Consumer Loans (30/108)
Company Overview Business Model
Total
Funding
Better Mo...
Alternative Lending Report, September 2016
Consumer Loans (31/108)
Company Overview Business Model
Total
Funding
Neat Capi...
Alternative Lending Report, September 2016
Consumer Loans (32/108)
Company Overview Business Model
Total
Funding
Viventor
...
Alternative Lending Report, September 2016
Consumer Loans (33/108)
Company Overview Business Model
Total
Funding
Lineru
(2...
Alternative Lending Report, September 2016
Consumer Loans (34/108)
Company Overview Business Model
Total
Funding
Platiza
(...
Alternative Lending Report, September 2016
Consumer Loans (35/108)
Company Overview Business Model
Total
Funding
Wonga
(20...
Alternative Lending Report, September 2016
Consumer Loans (36/108)
Company Overview Business Model
Total
Funding
Rosmicroc...
Alternative Lending Report, September 2016
Consumer Loans (37/108)
Company Overview Business Model
Total
Funding
Money Mou...
Alternative Lending Report, September 2016
Consumer Loans (38/108)
Company Overview Business Model
Total
Funding
Loan Rang...
Alternative Lending Report, September 2016
Consumer Loans (39/108)
Company Overview Business Model
Total
Funding
Lending S...
Alternative Lending Report, September 2016
Consumer Loans (40/108)
Company Overview Business Model
Total
Funding
Vote4Cash...
Alternative Lending Report, September 2016
Consumer Loans (41/108)
Company Overview Business Model
Total
Funding
Geostella...
Alternative Lending Report, September 2016
Consumer Loans (42/108)
Company Overview Business Model
Total
Funding
P Omni Pr...
Tracxn Startup Research: Alternative Lending Landscape, September 2016
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Tracxn Startup Research: Alternative Lending Landscape, September 2016

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This report covers lending companies which operate through an online platform and use alternative data points for credit scoring. It also covers ecosystem of companies that enable alternative lending.

Publicado en: Datos y análisis
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Tracxn Startup Research: Alternative Lending Landscape, September 2016

  1. 1. Alternative Lending Report, September 2016 Tracxn World’s Largest Startup Research Platform 2
  2. 2. Alternative Lending Report, September 20163 Contents Topic Page No. Scope of Report 04 Entrepreneur Activity 06 Investment Trend 10 Who is Investing 18 Exit Outlook - IPO, Acquisitions 22 Sub Sector Analysis 25 Interesting Companies 40 Useful Links 53 Company List 55 Team 280
  3. 3. Alternative Lending Report, September 20164 Sector Overview Scope of report This report covers lending companies which operate through an online platform with little/no physical presence for loan servicing/operations, are not backed, operationally, by a traditional/brick & mortar financial institution and use alternative data points for credit scoring. It also covers ecosystem of companies that enable alternative lending (credit scoring, aggregators, while-label platforms). It excludes aggregators catering to offline financial institutions, companies offering lending software and dynamic discounting companies. The online lending platforms have been categorized into consumer lending platforms and business lending platforms. Further each of these sub sectors have been divided into following business models: The scope of this report includes equity as well as debt funding received by the companies. Business Model Description Direct Lender Platforms that have a lending license and take the loans on their own books. B2C Platforms that tie up with a single lender for loan origination. B2C - Marketplace Platforms that tie up with multiple lenders for loan origination. Lenders include financial institutions and banks. P2P Marketplace Platforms that allow individual investors – accredited as well as retail.
  4. 4. Alternative Lending Report, September 2016 Scope of Report Entrepreneur Activity Investment Trend Who is Investing Exit Outlook - IPO, Acquisitions Sub Sector Analysis Interesting Companies Useful Links Company List Team 5
  5. 5. Alternative Lending Report, September 2016 67 110 144 269 416 373 61 0 90 180 270 360 450 2010 2011 2012 2013 2014 2015 2016 NumberofCompanies 6 YoY – Number of companies founded Funding Circle Lufax JD Finance Fenqile Qufenqi YiXin Capital (Daikuan) InCred Renovate America Sofi Avant WeLab Juzilicai Jiedaibao LoanTap
  6. 6. Alternative Lending Report, September 20167 Large Upcoming Sectors No. of Companies Founded Average Age No. of Companies Funded Business Model Total Funding Example 49 2013 22 Business Loans > Working Capital > Invoice Financing > Discounting $219M Invoice Finance 2015, Amsterdam 68 2013 27 Business Loans > Mortgage Loans $502M LendInvest 2013, London 53 2013 27 Consumer Loans > Education Loans $3.3B Future Finance 2013, Dublin 80 2012.8 40 Enablers > Credit Scoring $599M Aire 2014, London 63 2012 13 Consumer Loans > PayDay Loans $542M LendUp 2012, SF
  7. 7. Alternative Lending Report, September 20168 Niche Upcoming Sectors No. of Companies Founded Average Age No. of Companies Funded Business Model Total Funding Tracxn Picks 12 2014.6 8 Consumer Loans > Auto Loans $1.1B DriverUp 2015, Austin 25 2014.2 10 Enablers > Investment Platform $76M Orchard 2013, New York City 8 2013.9 7 Consumer Loans > Credit Builder Loans $17M SelfScore 2013, Palo Alto 12 2013.8 5 Consumer Loans > Mortgage Loans > P2P Marketplace $478M Landbay 2013, London 11 2013.6 7 Consumer Loans > Employer Loans $89M Salary Finance 2015, London
  8. 8. Alternative Lending Report, September 2016 Scope of Report Entrepreneur Activity Investment Trend Who is Investing Exit Outlook - IPO, Acquisitions Sub Sector Analysis Interesting Companies Useful Links Company List Team 9
  9. 9. Alternative Lending Report, September 201610 YoY – Number of Rounds and Total Funding Note: The funding includes debt rounds also. $174M $92M $238M $616M $689M $1.2B $4.8B $12.9B $8.7B 14 20 32 60 79 142 310 452 267 0 100 200 300 400 500 0 2800 5600 8400 11200 14000 2008 2009 2010 2011 2012 2013 2014 2015 2016 NumberofRounds FundingAmount(inMillions) Funding Amount Number of Rounds
  10. 10. Alternative Lending Report, September 201611 YoY – Number of Rounds by Stage 21 33 46 130 143 6721 21 53 121 209 121 8 12 13 23 37 32 0 90 180 270 360 450 2011 2012 2013 2014 2015 2016 NumberofRounds Seed Early Late
  11. 11. Alternative Lending Report, September 201612 YoY – Funding by Stage $18M $27M $37M $126M $170M $96M$139M $287M $420M $1.2B $4.3B $4.2B $351M $157M $237M $1.5B $4.1B $2.0B 0 2000 4000 6000 8000 10000 2011 2012 2013 2014 2015 2016 TotalFundingAmount(inMillions) Seed Early Late
  12. 12. Alternative Lending Report, September 201613 Average Ticket Size – Early Stage $0.7M $1.0M $1.0M $1.3M $1.9M $2.2M $7.5M $6.2M $9.3M $11.6M $25.1M $27.2M $9.0M $23.6M $11.1M $24.8M $38.9M $79.8M 0.0 18.0 36.0 54.0 72.0 90.0 2011 2012 2013 2014 2015 2016 FundingAmount(inMillions) Seed Series A Series B
  13. 13. Alternative Lending Report, September 201614 Top investments in last one year Company Funding Amount Round Name Date Investors lu.com Lufax (Shanghai, 2011) $1.2B Series B Jan-2016 Bank of China Group Investment, China Minsheng Bank, Guotai Junan Securities, CDH Investments, CICC, BlackPine Private Equity Partners jr.jd.com JD Finance (Beijing, 2012) $1B Series A Jan-2016 Ample Harvest Capital, Sequoia Capital, China Taiping Insurance Group sofi.com Sofi (San Francisco, 2011) $1B Series E Sep-2015 SoftBank, Third Point Ventures, Wellington Management, Institutional Venture Partners, Renren, Baseline Ventures, DCM Ventures daikuan.com YiXin Capital (Daikuan) (Beijing, 2015) $550M PE Aug-2016 Tencent, Baidu, JD.Com qufenqi.com Qufenqi (Beijing, 2014) $449M Series F Jul-2016 jiedaibao.com Jiedaibao (Beijing, 2015) $380M Series B Jan-2016 avant.com Avant (Chicago, 2012) $325M Series E Sep-2015 JPMorgan Chase & Co., August Capital, RRE Ventures, DFJ Growth, General Atlantic, Balyasny Asset Management, Tiger Global Management commonbond.co CommonBond (Brooklyn, 2011) $300M Debt Jul-2016
  14. 14. Alternative Lending Report, September 201615 Top investments in last one year Company Funding Amount Round Name Date Investors pave.com Pave (New York City, 2012) $300M Series A Dec-2015 Seer Capital commonbond.co CommonBond (Brooklyn, 2011) $275M Debt Jan-2016 Macquarie Group, Barclays quarterspot.com QuarterSpot (Wayne, 2011) $237M Debt Jun-2016 fenqile.com Fenqile (Shenzen, 2013) $235M Series D Jun-2016 joinmosaic.com Mosaic (Oakland, 2011) $220M Series C Aug-2016 Warburg Pincus, Core VC, Obvious Ventures meetearnest.com Earnest (San Francisco, 2013) $200M Debt Nov-2015 New York Life Insurance mogo.ca Mogo.ca (Vancouver, 2006) $200M Debt Sep-2015 Fortress Investment Group joinmosaic.com Mosaic (Oakland, 2011) $200M Debt Apr-2016 dzbank.com, greenbank.ny.gov
  15. 15. Alternative Lending Report, September 201616 Funnel view of Sector Percent of Previous 0.38% 0.65% 0.35% 45 70 152 431 666 1747 0 400 800 1200 1600 2000 M&A & IPO Late Series B Series A Funded Founded Number of Companies
  16. 16. Alternative Lending Report, September 2016 Scope of Report Entrepreneur Activity Investment Trend Who is Investing Exit Outlook - IPO, Acquisitions Sub Sector Analysis Interesting Companies Useful Links Company List Team 17
  17. 17. Alternative Lending Report, September 201618 Most Active Investors in Sector 27 24 23 18 18 17 16 14 13 13 0 5 10 15 20 25 30 QED Investors Victory Park Capital Sequoia Capital 500 Startups First Round Capital Omidyar Network Accel Partners Blumberg Capital Khosla Ventures Matrix Partners China TotalNumberofRounds Zopa Kabbage JD Finance KonfÃo Earnest Lenddo Lenddo Kreditech Affirm Jimubox Klarna LendUp Klarna Lenda vouch Prosper Indifi Lenddo OnDeck Juzilicai
  18. 18. Alternative Lending Report, September 201619 Where are Top Investors investing QED Investors Victory Park Capital Sequoia Capital 500 Startups First Round Capital Omidyar Network Accel Partners Blumberg Capital Khosla Ventures Matrix Partners China Consumer Loans Zopa, Klarna, LendUp LendUp, Kreditech, Kueski JD Finance Klarna WeLab Lenda WeFinance Finova Financial Earnest vouch Upstart Prosper Finestrella Zest Money Wonga Prosper SelfScore Kreditech Zibby BLender Affirm Upstart Jimubox Juzilicai Fenqile Business Loans KonfÃo, CAN Capital, ApplePie Capital Kabbage, Behalf, The Credit Junction Behalf PPDai Capital Float KonfÃo LendSquare RealtyShares OnDeck Swift Financial Corporation BetterFinance NeoGrowth Indifi Funding Circle CAN Capital Fundbox Able Lending OnDeck Fundbox Swift Financial Corporation Huasheng Finance FDFactoring Rongyu100 Enablers L2C, Orchard, Think Finance, ZestFinance, Orchard Think Finance Lenddo Cignifi Revolution Credit Lenddo Lenddo 91Zhengxin Aggregators Fundera Fundera Fundera
  19. 19. Alternative Lending Report, September 201620 Top Investor by Stage of Entry Sequoia Capital 6 Victory Park Capital 6 Omidyar Network 5 Blumberg Capital 4 Canaan Partners 4 Khosla Ventures 4 Balderton Capital 3 Lightspeed Venture Partners 3 Matrix Partners China 3 Nyca Partners 3 QED Investors 5 First Round Capital 4 Institutional Venture Partners 4 Khosla Ventures 4 Accel Partners 3 Baidu 3 Foundation Capital 3 GLI Finance 3 Lightspeed Venture Partners 3 Meritech Capital 3 Seed Series A Series B Later Stage Sequoia Capital 12 First Round Capital 6 Matrix Partners China 6 QED Investors 6 Blumberg Capital 5 Collaborative Fund 5 Khosla Ventures 5 500 Startups 4 IDG Capital Partners 4 Lightspeed Venture Partners 4 Y Combinator 11 500 Startups 10 K2 VC (Xianfeng Evergreen) 5 Kapor Capital 5 Accion 4 Alpha JWC Ventures 4 Google Ventures 4 Barclays Accelerator 3 Ceyuan 3 Collaborative Fund 3
  20. 20. Alternative Lending Report, September 2016 Scope of Report Entrepreneur Activity Investment Trend Who is Investing Exit Outlook - IPO, Acquisitions Sub Sector Analysis Interesting Companies Useful Links Company List Team 21
  21. 21. Alternative Lending Report, September 201622 Top IPOs in last three years IPO Date Company Overview Funding Amount Dec-2015 yirendai.com Yirendai (Beijing, 2012) P2P lending platform Baidu $10M Jun-2015 mogo.ca Mogo.ca (Vancouver, 2006) Online lending and debt management company Fortress Investment Group, Difference Capital $3.89M Dec-2014 ondeck.com OnDeck (New York City, 2007) Online platform for business loans. First Round Capital, Deutsche Bank, Village Ventures, Khosla Ventures, Goldman Sachs, Institutional Venture Partners, Tiger Global Management, Google Ventures, Foundation Capital, RRE Ventures, Contour Venture Partners, Industry Ventures, Fortress Investment Group, KeyBank, Square 1 Bank, Lighthouse Capital Partners, SF Capital, Sapphire Ventures $174M Dec-2014 lendingclub.co m Lending Club (San Francisco, 2006) P2P online lending marketplace Canaan Partners, Union Square Ventures, Norwest Venture Partners, Morgenthaler, KPCB, Silicon Valley Bank, Foundation Capital, Plug and Play Tech Center, BlackRock, T. Rowe Price, Amidzad Partners, Gold Hill Capital, Bay Partners, Thomvest Ventures, TrueBridge Capital Partners, Canvas Ventures, Flint Capital, IG Angels, Wellington Management, Sands Capital, South Ventures, Pejman Mar Ventures, Nyca Partners, Stelac Capital Partners, Corigin Ventures $166.23M Nov-2014 enova.com Enova (Chicago, 2003) Provides online financial services to alternative credit consumers. Mar-2014 ioufinancial.co m IOU Financial (Kennesaw, 2006) Working capital loan provider to small businesses. Dec-2013 symbid.com Symbid (Rotterdam, 2011) Equity-based Crowdfunding AllMobile, Rhapsody Ventures $549.97K Jan-2013 springleaffinanc ial.com Springleaf (North, 1920) Personal Loans
  22. 22. Alternative Lending Report, September 201623 Major Acquisitions in the sector Date Company Acquirer Deal size Overview Total Funding Jun-2016 fundingknight.com Funding Knight (Portsmouth, 2011) GLI Finance Peer-to-Peer money lending service GLI Finance Sep-2015 smartpaylease.com SmartPay Lease (San Francisco, 2009) TEMPOE Purchase Finance Investor Growth Capital $37M Jan-2015 Prosper Healthcare (Salt Lake City, 2009) Prosper $21M Online healthcare financing platform Dec-2014 kreditaja.com KreditAja (Jakarta, 2011) Money Smart Online financial product comparison platform Oct-2014 l2c.com L2C (Atlanta, 2000) TransUnion Consumer credit scoring and analytics company. QED Investors, Core VC, CFSI $4.01M Jul-2014 demica.com Demica (London, 1992) JRJ Group Recievables financing platform. Jul-2013 contigofinancial.com Contigo Financial (Nashville, 2012) Emerge Financial Wellness Employer loans provider. Solidus, Jumpstart Foundry, Jumpstart Foundry $15K Jun-2008 billmelater.com Paypal Credit (Lutherville- Timonium, 2000) PayPal $945M Provides purchase financing options to consumers. Amazon, Upfront Ventures, Azure Capital Partners, Kingdon Capital, Crosspoint Venture Partners $100M
  23. 23. Alternative Lending Report, September 2016 Scope of Report Entrepreneur Activity Investment Trend Who is Investing Exit Outlook - IPO, Acquisitions Sub Sector Analysis Interesting Companies Useful Links Company List Team 2424
  24. 24. Alternative Lending Report, September 201625 September 2016Tracxn BlueBox : Alternative Lending Cumulative funding in the sector 1700+ companies in the sector, 638 funded in last 5 years, $21b invested in 2015/2016 Most Active Investors: QED Investors, Sequoia Capital, Victory Park Capital, 500 Startups Practice Area - Fintech | Analysts: @SurinderjitB CONSUMER LOANS $16B Personal Loans Lending Club (2007, IPO) Mortgage Loans LendInvest (2013, $116.M) Education Loans SoFi (2011, $1.5B) Purchase Financing Affirm (2012, $420M) Payday Loans LendUp (2012, $164M) Asset Backed Borro (2008, $178M) Project Loans Renovate America (2010, $146M) Auto Loans DriverUp (2015, $70M) Employer Loans Zebit (2011, $35M) Credit Card Refinancing Payoff (2009, $24.8M) Micro Loans Kiva (2005, $9M) Healthcare Loans PrimaHealth Credit (2014, $1M) BUSINESS LOANS $3.6B Term Loans FundingCircle (2010, $273M) Working Capital Kabbage (2009, $240M) Merchant Cash Advance Lighter Capital (2010, $15M) Mortgage Loans LendingHome (2013, $109M) Project Loans Mosaic (2011, $20M) Franchise Loans ApplePie Capital (2014, $9.8M) Invoice Discounting Fundbox (2012, $107.5M) Factoring BlueVine (2013, $64M) ENABLERS $592M White-Label Platform Insikt (2012, $24.3M) Investment Platform Orchard (2013, $44.7M) Credit Scoring Zest Finance (2009, $112M) AGGREGATORS $86M Fundera (2013, $18M)
  25. 25. Alternative Lending Report, September 201626 Top Business Models by Funding $16.3B $3.7B $593M $86M 0 3600 7200 10800 14400 18000 Consumer Loans Business Loans Enablers Aggregators TotalFundingAmount(inMillions) # Cos. 846 650 131 120 Avg. Age 2011.98 2009.47 2012.87 2012.21 Lufax Funding Circle Dimeng Bizfi Sofi Kabbage Think Finance Fundera
  26. 26. Alternative Lending Report, September 201627 Consumer Loans – Business Model Description Consumer Loans – Online lending platforms offering loans to consumer for various purposes like point of sale finance, auto finance, education finance, housing finance. Unsecured Personal Loans Asset Backed Loans PayDay Loans Purchase Financing Education Loans Online lending platforms offering loans secured against a collateral. Online lending platforms which give loans for a tenure of 7 to 30 days. Online lending platforms offering point of sale financing. Online lending platforms offering loans to students for education. Online lending platforms offering loans for any personal purpose.
  27. 27. Alternative Lending Report, September 201628 Consumer Loans – Entrepreneur Activity and Investment Trend $25M $61M $99M $477M $322M $662M $3.2B $9.0B 7 13 18 33 45 77 162 250 0 60 120 180 240 300 0 2000 4000 6000 8000 10000 2008 2009 2010 2011 2012 2013 2014 2015 NumberofRounds FundingAmount(inMillions) YoY – Total Funding and No. of Rounds 23 32 30 52 71 113 194 179 0 50 100 150 200 250 2008 2009 2010 2011 2012 2013 2014 2015 NumberofCompaniesFounded YoY – No. of Companies Founded 226 159 84 71 31 18 17 16 0 50 100 150 200 250 United States China India United Kingdom South Africa Spain Australia Kenya NumberofCompanies Distribution of Companies across Countries $8.1B $2.8B $1.9B $1.1B $0.6B $0.5B 0.0 1.8 3.6 5.4 7.2 9.0 Unsecured Personal Loans Purchase Financing Education Loans Auto Loans Project Financing PayDay Loans FundingAmount(inBillions) BM wise Investment
  28. 28. Alternative Lending Report, September 201629 Consumer Loans – Most Funded Companies Company Overview Business Model Funding Amount lu.com Lufax (2011, Shanghai) Peer-to-peer lender and financial-asset exchange CDH Investments, Arbor Ventures, CICC, China Minsheng Bank, Guotai Junan Securities, Ping An Insurance, BlackPine Private Equity Partners, Bank of China Group Investment Consumer Loans > Unsecured Personal Loans > P2P Marketplace $1.71B sofi.com Sofi (2011, San Francisco) Educational loans marketplace Morgan Stanley, SoftBank, QED Investors, Institutional Venture Partners, Innovation Endeavors, Grail Partners, Baseline Ventures, DCM Ventures, Ulu Ventures, Thomvest Ventures, SGVC, Renren, Discovery Capital, East West Bank, Wellington Management, The Bancorp, New Ground Ventures, Third Point Ventures, Baseline Ventures Consumer Loans > Education Loans > B2C > Marketplace $1.51B jr.jd.com JD Finance (2012, Beijing) Internet based financial services and products for consumers and SMEs Sequoia Capital, China Taiping Insurance Group, Ample Harvest Capital Consumer Loans > Unsecured Personal Loans $1B daikuan.com YiXin Capital (Daikuan) (2015, Beijing) Online platform for automobile financing JD.Com, Baidu, Tencent, Yiche Consumer Loans > Auto Loans $950M qufenqi.com Qufenqi (2014, Beijing) Online microloan / installment plan provider for e-commerce purchases Alipay, BlueRun Ventures, Kunlun, Kalends, Source Code Capital, ICH Group Consumer Loans > Purchase Financing $874M jiedaibao.com Jiedaibao (2015, Beijing) Anonymous P2P lending platform within a user's social circle Consumer Loans > Unsecured Personal Loans > P2P Marketplace $693.9M avant.com Avant (2012, Chicago) Online lending platform General Atlantic, Credit Suisse, QED Investors, Tiger Global Management, KKR, DFJ Growth, August Capital, RRE Ventures, Ribbit Capital, JPMorgan Chase & Co., Victory Park Capital, HPVP, Accolade Partners, Jefferies, Redhills Ventures, Balyasny Asset Management Consumer Loans > Unsecured Personal Loans > B2C > Marketplace $655M affirm.com Affirm (2012, San Francisco) Online lending platform for purchase financing Lightspeed Venture Partners, Andreessen Horowitz, Khosla Ventures, Spark Capital, Founders Fund, Silicon Valley Bank, Jefferies, Nyca Partners Consumer Loans > Purchase Financing > B2C $420M
  29. 29. Alternative Lending Report, September 201630 Business Loans – Business Model Description Business Loans – Online lending platforms offering loans to businesses for working capital, expansion, equipment financing, etc. Term Loans Working Capital Mortgage Loans Project Loans Purchase Financing Online lending platforms offering loans to businesses for a tenure of less than a year, in order to meet day to day expenses of business. Online lending platforms offering loans for commercial mortgage. Online lending platform providing commercial project loans. Online lending platforms offering purchase finance to businesses. Online lending platforms offering loans to businesses for a fixed tenure usually more than a year.
  30. 30. Alternative Lending Report, September 201631 Business Loans – Entrepreneur Activity and Investment Trend $148M $13M $42M $93M $272M $524M $1.3B $3.2B 6 4 8 19 25 49 114 153 0 36 72 108 144 180 0 700 1400 2100 2800 3500 2008 2009 2010 2011 2012 2013 2014 2015 NumberofRounds FundingAmount(inMillions) YoY – Total Funding and No. of Rounds $1.6B $1.5B $441M $21M 0 360 720 1080 1440 1800 Term Loans Working Capital Mortgage Loans Project Loans FundingAmount(inMillions) BM wise Investment 14 16 26 38 53 113 166 130 0 36 72 108 144 180 2008 2009 2010 2011 2012 2013 2014 2015 NumberofCompaniesFounded YoY – No. of Companies Founded 209 87 75 40 33 30 21 20 0 50 100 150 200 250 United States United Kingdom China India France Australia Singapore Netherlands NumberofCompanies Distribution of Companies across Countries
  31. 31. Alternative Lending Report, September 201632 Business Loans – Most Funded Companies Company Overview Business Model Funding Amount fundingcircle.com Funding Circle (2010, London) P2P lending marketplace for small businesses Accel Partners, Index Ventures, Union Square Ventures, DST Global, Temasek, Ribbit Capital, Baillie Gifford, Sands Capital, Montage Ventures, Endurance Companies Business Loans > Term Loans > P2B Marketplace $273M kabbage.com Kabbage (2009, Atlanta) Working capital financing for small businesses. SV Angel, United Parcel Service, Mohr Davidow Ventures, SoftBank, ING, BlueRun Ventures, Western Technology Investment, Lumia Capital, Thomvest Ventures, Victory Park Capital, Recruit Strategic Partners, Guggenheim Partners, Scotiabank, TCW Group, Mavcap, Reverence Capital Partners, Santander InnoVentures Business Loans > Working Capital > Unsecured Loans > B2B $240.81M ondeck.com OnDeck (2007, New York City) Online platform for business loans. First Round Capital, Deutsche Bank, Village Ventures, Khosla Ventures, Goldman Sachs, Institutional Venture Partners, Tiger Global Management, Google Ventures, Foundation Capital, RRE Ventures, Contour Venture Partners, Industry Ventures, Fortress Investment Group, KeyBank, Square 1 Bank, Lighthouse Capital Partners, SF Capital, Sapphire Ventures Business Loans > Term Loans > Direct Lender $174M cgtz.com CGTZ (2013, Hangzhou) P2P lending and investment platform Shunwei Business Loans > Term Loans > P2B Marketplace $162.22M lsq.com LSQ (1996, Maitland) Accounts Receivable Financing for Growth Lovell Minnick, ARCC Business Loans > Working Capital > Invoice Financing $140M renrendai.com Renrendai (2010, Beijing) P2P Lending Platform targeting white collar employees and SMEs Honghe Venture Capital Business Loans > Term Loans > P2B Marketplace $133M behalf.com Behalf (2011, New York City) Lending platform for SMBs Sequoia Capital, Spark Capital, Western Technology Investment, Victory Park Capital, MissionOG, Maverick Ventures Business Loans > Working Capital > Unsecured Loans > Direct Lender $129M lendinvest.com LendInvest (2013, London) P2P Lending for Mortgages Atomico, Kunlun, Macquarie Group Business Loans > Mortgage Loans > P2B Markeplace $116.82M
  32. 32. Alternative Lending Report, September 201633 Enablers – Business Model Description Enablers - Companies providing allied services to alternative lending platforms and to the investors on online lending platforms. Credit Scoring Investment Platform White-label Platform Online platform which enables investors to invest in the loans on various alternative lending platforms and also maintain the investors’ portfolio. Platforms that enable companies to start their online lending websites. Companies that use alternative data sources and machine learning algorithms to assess the credit risk of potential borrowers.
  33. 33. Alternative Lending Report, September 201634 Enablers – Entrepreneur Activity and Investment Trend $1M $14M $94M $20M $93M $40M $125M $451M 1 2 2 4 7 12 23 38 0 10 20 30 40 50 0 100 200 300 400 500 2008 2009 2010 2011 2012 2013 2014 2015 NumberofRounds FundingAmount(inMillions) YoY – Total Funding and No. of Rounds $335M $100M $75M 0 80 160 240 320 400 Credit Scoring White-label Platform Investment Platform FundingAmount(inMillions) BM wise Investment 5 3 10 10 22 28 38 0 8 16 24 32 40 2009 2010 2011 2012 2013 2014 2015 NumberofCompaniesFounded YoY – No. of Companies Founded 55 21 20 7 3 3 2 2 0 12 24 36 48 60 United States United Kingdom China India Latvia Netherlands Israel Estonia NumberofCompanies Distribution of Companies across Countries
  34. 34. Alternative Lending Report, September 201635 Enablers – Most Funded Companies Company Overview Business Model Funding Amount dimeng.net Dimeng (2005, Shenzhen) Developer of systems for net loan platforms Enablers $79M thinkfinance.com Think Finance (2001, Fort Worth) Analytics and technology services for lenders Sequoia Capital, TCV, Victory Park Capital Enablers > White- label Platform $60M indigomichael.com Account Technologies (2011, London) Credit scoring services for individuals and SMEs, in addition to overdraft facilities and personal finance manager Enablers > Credit Scoring $56M zestfinance.com ZestFinance (2009, Los Angeles) Machine Learning technologies to give lenders a better understanding of risk Lightspeed Venture Partners, Upfront Ventures, Baidu, Matrix Partners, Eastward Capital Partners, Flybridge Capital Partners, Northgate, Victory Park Capital, Fortress Investment Group, Lighthouse Capital Partners, Subtraction Capital, TenOneTen, Thiel Capital, Kensington Capital Holdings Enablers > Credit Scoring > Individuals $54M orchardplatform.com Orchard (2013, New York City) Technology and infrastructure provider for marketplace lending. Canaan Partners, Spark Capital, QED Investors, Thrive Capital, Thomvest Ventures, Victory Park Capital, Conversion Capital, Tom Glocer, Brooklyn Bridge Ventures, Nyca Partners, Social Leverage Enablers > Investment Platform $44.7M factortrust.com FactorTrust (2006, Atlanta) Provider of consumer data, analytics and risk scoring solutions on those underserved by traditional banking channels ABS Capital Partners, MissionOG, Archbrook Enablers > Credit Scoring > Individuals $43.62M 100credit.cn 100credit (2014, Beijing) Fraud and credit risk assessment and management services for banks and insurance companies Enablers > Credit Scoring > Individuals $40.95M visualdna.com VisualDNA (2006, London) Credit-Scoring and Marketing Insights Atomico, Northzone, Horizons Ventures Enablers > Credit Scoring > Individuals > Quiz Based Scoring $28.6M
  35. 35. Alternative Lending Report, September 201636 Aggregators – Business Model Description Aggregators – These are the platforms which aggregate a number of online lending companies on one website, wherein the borrower can compare and choose where to borrow from. These companies have tie-ups with online lending companies and charge lead generation fee from them upon conversion of lead.
  36. 36. Alternative Lending Report, September 201637 Aggregators – Entrepreneur Activity and Investment Trend $3M $4M $27M $3M $0.1M $83M $126M 1 4 4 2 4 11 11 0 2 5 7 10 12 0 28 56 84 112 140 2009 2010 2011 2012 2013 2014 2015 NumberofRounds FundingAmount(inMillions) YoY – Total Funding and No. of Rounds 3 4 8 10 10 21 28 26 0 6 12 18 24 30 2008 2009 2010 2011 2012 2013 2014 2015 NumberofCompaniesFounded YoY – No. of Companies Founded 47 22 13 7 5 3 3 3 0 10 20 30 40 50 United States United Kingdom South Africa India Australia China Singapore Switzerland NumberofCompanies Distribution of Companies across Countries
  37. 37. Alternative Lending Report, September 201638 Aggregators – Most Funded Companies Company Overview Business Model Funding Amount bizfi.com Bizfi (2005, New York City) Credit product aggregator Comvest Partners, Community National Bank, Metropolitan Equity Partners Aggregators $20M fundera.com Fundera (2013, New York City) Multiple credit solutions provider for small businesses. First Round Capital, Lerer Hippeau Ventures, SV Angel, Khosla Ventures, QED Investors, BoxGroup, Susquehanna Growth Equity, Lerer Hippeau Ventures, BoxGroup Aggregators > For Borrowers > Business Loans $14.9M sindeo.com Sindeo (2013, San Francisco) Lead generator for mortgage loan providers. Second Century Ventures, Renren, New Ground Ventures, Endurance Companies Aggregators > For Borrowers > Consumer Loans $12.05M neftllc.com New England Funding Technologies, LLC (2014, Newport Beach) Financial services platform providing credit tools for consumers Aggregators > For Borrowers > Consumer Loans $10M loanhero.com LoanHero (2014, La Jolla) A loan origination marketplace. Alsop Louie Partners, Mucker Capital Aggregators > For Borrowers > Consumer Loans $4.2M alltuition.com Alltuition (2010, Chicago) Financial aid aggregator for college students Excelerate Labs, Kapor Capital, Pritzker Group, Hyde Park Angels, Sandbox Industries Aggregators > For Borrowers > Consumer Loans $4.02M nailyourmortgage.com Nail Your Mortgage (2009, Chicago) Solutions for borrowers and lenders to interact in an open electronic marketplace. Aggregators > For Borrowers > Consumer Loans $3.1M fundingoptions.com Funding Options (2011, London) Third party customized solution provider for alternative lending. North West Fund, AXM Venture Capital, GLI Finance Aggregators > For Borrowers > Business Loans $2.88M
  38. 38. Alternative Lending Report, September 2016 Scope of Report Entrepreneur Activity Investment Trend Who is Investing Exit Outlook - IPO, Acquisitions Sub Sector Analysis Interesting Companies Useful Links Company List Team 39
  39. 39. Alternative Lending Report, September 201640 Interesting Unfunded Companies Company Overview Business Model fastbanking.com Aprenita (2015, NYC) Platform providing growth capital for mobile app developers. Business Loans > Term Loans udhaar.co Neat Capital (2015, Boulder) Online lending platform for residential mortgages. Consumer Loans > Mortgage Loans vote4cash.in TightSpot (2015, Palo Alto) Mobile first P2P lending platform. Consumer Loans > Unsecured Personal Loans > P2P Marketplace indiamoneymart.com Flyto (2016, London) Finance provider for airline fares. Consumer Loans > Purchase Financing lendsmart.in Finvoice (2014, SF) Marketplace for invoice discounting. Business Loans > Working Capital > Invoice Financing > Discounting > P2B Marketplace > Accredited investors vote4edu.in Croudify (2014, SF) Secondary market for P2P lending investors. Enablers > Secondary Marketplace underwrite.io Mesfix (2014, Bagota) Crowdfactoring marketplace for SMEs Business Loans > Working Capital > Invoice Financing > Factoring > P2B Marketplace Credit Kudos (2015, London) Credit scoring using consumer transaction data. Enablers > Credit Scoring > Individuals
  40. 40. Alternative Lending Report, September 201641 Interesting Seed Companies Company Overview Business Model Total Funding Payfully (2016, NYC) Lending platform that advances money to Airbnb hosts against their future bookings. Business Loans > Working Capital $300K Lendable (2015, NYC) Debt marketplace for financing receivables in Nairobi and New York. Business Loans > Working Capital > Invoice Financing > Discounting > P2B Marketplace Undisclosed Toneboard (2015, Latvia) Provider of credit risk assessment solutions using speech analytics. Enablers > Credit Scoring > Individuals > Speech Analytics Undisclosed Ziero (2015, SF) Online platform for employer loans. Consumer Loans > Employer Loans $150K Airfordable (2015, Chicago) Lending platform for airline ticket expense. Consumer Loans > Purchase Financing $120K skills.fund Skills Fund (2015, Austin) Student financing Consumer Loans > Education Loans $11.5M pagaya-inv.com Pagaya Investments (2016, Tel Aviv) Investment platform that enables institutional investors to invest in online lending platform. Carmel Ventures Enablers > Investment Platform $1.25M
  41. 41. Alternative Lending Report, September 201642 Interesting Series A Companies Company Overview Business Model Total Funding jr.jd.com JD Finance (2012, Beijing) Internet based financial services and products for consumers and SMEs Sequoia Capital, China Taiping Insurance Group, Ample Harvest Capital Consumer Loans > Unsecured Personal Loans $1B greenskycredit.com GreenSky (2006, Encino) Purchase finance provider QED Investors, TPG Consumer Loans > Purchase Financing > B2C > Marketplace $360M pave.com Pave (2012, New York City) Online lending platform for personal loans. Maxfield Capital, Seer Capital, C4 Ventures, Maxfield Capital Consumer Loans > Unsecured Personal Loans > P2P Marketplace > Accredited investors $318.6M renrendai.com Renrendai (2010, Beijing) P2P Lending Platform targeting white collar employees and SMEs Honghe Venture Capital Business Loans > Term Loans > P2B Marketplace $133M 9fbank.com 9FBank (2006, Beijing) P2P microfinance credit provider IDG Capital Partners, SIG China, Grandis Capital Consumer Loans > Micro Loans > P2P Marketplace $114.6M billmelater.com Paypal Credit (2000, Lutherville- Timonium) Provides purchase financing options to consumers. Amazon, Upfront Ventures, Azure Capital Partners, Kingdon Capital, Crosspoint Venture Partners Consumer Loans > Purchase Financing > B2C $100M better.com Better Mortgage (2014, New York City) Alternative lender for Mortgage loans and refinance IA Venttures, Goldman Sachs, Pine Brook Partners, Global Asset Capital, 1/0 Capital Consumer Loans > Mortgage Loans > Direct Lender $52.1M lendico.com Lendico (2013, Berlin) An online P2P lending marketplace. Access Industries, Holtzbrinck Ventures, Rocket Internet Consumer Loans > Unsecured Personal Loans > P2P Marketplace $22.44M
  42. 42. Alternative Lending Report, September 201643 Interesting Series A Companies Company Overview Business Model Total Funding nongfadai.com Nongfadai (2015, Shenzhen) Platform for P2P agricultural loans Business Loans > Working Capital > Unsecured Loans > P2B Marketplace $21.47M dealstruck.com Dealstruck (2012, San Diego) Customized credit solutions for small businesses. Trinity Ventures, Blackbird Ventures, Peterson Partners, Community Investment Management LLC, Brevet Capital Business Loans > Term Loans > P2B Marketplace > Accredited investors $19.5M autofi.com AutoFi (2015, San Francisco) Point of sale solution for financing a vehicle online 500 Startups, Crosslink Capital, Laconia Ventures, Basset Investment, Lerer Hippeau Ventures Consumer Loans > Auto Loans > B2C > Marketplace $19.5M payjoy.com PayJoy (2015, California) Online purchase financing platform. Metamorphic Ventures, Union Square Ventures, Western Technology Investment, Red Swan Ventures, Core VC Consumer Loans > Purchase Financing > Direct Lender $17.45M neyber.co.uk Neyber (2014, London) Offers loans to employees which are repaid through salary deduction Consumer Loans > Employer Loans $12.35M inventure.com Inventure (2011, Los Angeles) Credit scoring MESA Ventures, Lowercase Capital, Google Ventures, Expansion Venture Capital, Collaborative Fund, Vast Ventures, India Internet Fund, Female Founders Fund, BAM Ventures Enablers > Credit Scoring > Individuals $11.2M ablelending.com Able Lending (2014, Austin) Collaborative lending platform for small businesses Founders Fund, Correlation Ventures, Western Technology Investment, Expansion Venture Capital, E-Merge, Rothenberg Ventures, RPM Ventures, Blumberg Capital, TDF Ventures, Peterson Ventures, Base Ventures, 2020 Ventures, BaseCamp Ventures, Peterson Partners, StartupRunner Capital, SierraMaya360, OTTORROCKCAPITAL, Zenstone Venture Capital Business Loans > Term Loans > Direct Lender $11M sensiblelender.com Sensible Lender (2015, Kent) P2P lending platform for loans secured against commercial real estate. Business Loans > Mortgage Loans > P2B Markeplace $10.6M
  43. 43. Alternative Lending Report, September 201644 Interesting Series A Companies Company Overview Business Model Total Funding branch.co Branch (2014, San Francisco) Short term lending mobile application. Andreessen Horowitz, Formation 8, Khosla Impact Consumer Loans > Micro Loans $10.6M salaryfinance.com SalaryFinance (2015, London) Online lending platform for employer loans. Bright Bridge Ventures Consumer Loans > Employer Loans $10.4M miradorfin.com Mirador Financial (2014, Portland) Provides platforms for lending as a service. Crosslink Capital, Collaborative Fund, Core VC, Vesta, Vesta Corp, Nyca Partners, Jump Capital, LLC Enablers > White-label Platform $10.1M vouch.com vouch (2013, San Francisco) A social lending platform that uses the borrower's network as sponsors. AngelList, Greylock Partners, First Round Capital, IDG Capital Partners, Data Collective, IDG ventures, Core VC, Cooley, IDG Ventures USA, Exhilarator, Linden Mobile Ventures, Maiden Lane Consumer Loans > Unsecured Personal Loans > B2C $10.06M troo.ly Troo.ly (2014, Palo Alto) Provider of trust rating service for peer-to-peer marketplaces. Bain Capital Ventures, Milliways Ventures Enablers > Credit Scoring > Individuals $10M lendingworks.co.uk Lending Works (2012, London) Online P2P lending platform for personal loans and investments. NVM Private Equity Consumer Loans > Unsecured Personal Loans > P2P Marketplace $9.64M unilend.fr Unilend (2013, Paris) P2P lending platform for business loans Bpifrance, 360 Capital Partners, Ventech Business Loans > Term Loans > P2B Marketplace $8.39M landbay.co.uk Landbay (2013, London) A P2P lending platform for residential mortgage investments. Seedrs, Omni Consumer Loans > Mortgage Loans > P2P Marketplace $8.33M
  44. 44. Alternative Lending Report, September 201645 Interesting Series A Companies Company Overview Business Model Total Funding lu.com Lufax (2011, Shanghai) Peer-to-peer lender and financial-asset exchange CDH Investments, Arbor Ventures, CICC, China Minsheng Bank, Guotai Junan Securities, Ping An Insurance, BlackPine Private Equity Partners, Bank of China Group Investment Consumer Loans > Unsecured Personal Loans > P2P Marketplace $1.71B jiedaibao.com Jiedaibao (2015, Beijing) Anonymous P2P lending platform within a user's social circle Consumer Loans > Unsecured Personal Loans > P2P Marketplace $693.9M welab.co WeLab (2013, Hong Kong) Alternate lending solutions for consumers Sequoia Capital, ING, Iconiq Capital, Khazanah Nasional, TOM Group, Ule, Guangdong Technology Venture Capital Consumer Loans > Unsecured Personal Loans > Direct Lender $180M cgtz.com CGTZ (2013, Hangzhou) P2P lending and investment platform Shunwei Business Loans > Term Loans > P2B Marketplace $162.22M behalf.com Behalf (2011, New York City) Lending platform for SMBs Sequoia Capital, Spark Capital, Western Technology Investment, Victory Park Capital, MissionOG, Maverick Ventures Business Loans > Working Capital > Unsecured Loans > Direct Lender $129M lendinvest.com LendInvest (2013, London) P2P Lending for Mortgages Atomico, Kunlun, Macquarie Group Business Loans > Mortgage Loans > P2B Markeplace $116.82M meetearnest.com Earnest (2013, San Francisco) Alternative lending platform for refinancing student debt First Round Capital, Andreessen Horowitz, Atlas Venture, Maveron, Battery Ventures, Correlation Ventures, Adams Street Partners, Collaborative Fund, Designer Fund, New York Life Insurance, QueensBridge Venture Partners, Accomplice, Spectrum, Propel Venture Partners Consumer Loans > Education Loans > Direct Lender $107M driverup.com DriverUp (2015, Austin) Online marketplace for auto loans RRE Ventures, SF Capital, Emerald Development Managers Consumer Loans > Auto Loans > P2P Marketplace > Accredited investors $70M
  45. 45. Alternative Lending Report, September 201646 Interesting Series B Companies Company Overview Business Model Total Funding spotcap.com SpotCap (2013, Berlin) Alternate lending platform providing credit lines to businesses. Kreos Capital, Access Industries, Holtzbrinck Ventures, Rocket Internet, Finstar Financial Group Business Loans > Working Capital > Unsecured Loans > Direct Lender $66.53M prospa.com Prospa (2012, Sydney) Online lending platform for unsecured business loans. The Carlyle Group, Entree Capital, Ironbridge Equity Partners, AirTree Ventures Business Loans > Working Capital > Unsecured Loans > Direct Lender $60M realtymogul.com Realty Mogul (2012, Los Angeles) Online real estate equity and debt based crowdfunding platform Microsoft, Canaan Partners, Microsoft Ventures, Techstars, VoiVoda, Pelion Venture Partners, Sorenson Capital, Target Global, Target Global Business Loans > Mortgage Loans > P2B Markeplace > Accredited investors $49M orchardplatform.com Orchard (2013, New York City) Technology and infrastructure provider for marketplace lending. Canaan Partners, Spark Capital, QED Investors, Thrive Capital, Thomvest Ventures, Victory Park Capital, Conversion Capital, Tom Glocer, Brooklyn Bridge Ventures, Nyca Partners, Social Leverage Enablers > Investment Platform $44.7M lendingkart.com Lendingkart (2014, Ahmedabad) Online platform that provides working capital for SMBs in India IFMR Trust, Saama Capital, Mayfield, Bertelsmann, India Quotient, Bertelsmann India Investments Business Loans > Working Capital > Unsecured Loans > Direct Lender $42.65M capitalfloat.com Capital Float (2013, Bangalore) Online lending platform for small businesses SAIF Partners, Sequoia Capital, Creation Investments, Aspada Advisors Business Loans > Working Capital $41M realtyshares.com RealtyShares (2013, Mountain View) Crowdfunding for Real Estate Union Square Ventures, 500 Startups, General Catalyst Partners, Menlo Ventures, MetaProp NYC Business Loans > Mortgage Loans > P2B Markeplace > Accredited investors $36.21M lendix.com Lendix (2014, Paris) Online lending platform for SME loans. Partech Ventures, CNP Assurances, Matmut, Zencap Asset Management, Banque Wormser Freres Business Loans > Term Loans > P2B Marketplace $25.23M
  46. 46. Alternative Lending Report, September 201647 Interesting Series B Companies Company Overview Business Model Total Funding lenddo.com Lenddo (2011, Singapore) Social networking based credit scoring Accel Partners, Omidyar Network, Metamorphic Ventures, Western Technology Investment, Inovia Capital, Lumia Capital, Blumberg Capital, Life.SREDA, Golden Gate Ventures, Alpine Meridian, Kickstart Ventures, Future Perfect Ventures, FinTech Innovation Lab, atcapital.com Enablers > Credit Scoring > Individuals > Social Network Based Credit Rating $14M prodigyfinance.com Prodigy Finance (2007, London) Online platform for community loans for international business school students. Balderton Capital Consumer Loans > Education Loans > P2P Marketplace $13.7M
  47. 47. Alternative Lending Report, September 201648 Interesting Late Stage Companies Company Overview Business Model Total Funding sofi.com Sofi (2011, San Francisco) Educational loans marketplace Morgan Stanley, SoftBank, QED Investors, Institutional Venture Partners, Innovation Endeavors, Grail Partners, Baseline Ventures, DCM Ventures, Ulu Ventures, Thomvest Ventures, SGVC, Renren, Discovery Capital, East West Bank, Wellington Management, The Bancorp, New Ground Ventures, Third Point Ventures, Baseline Ventures Consumer Loans > Education Loans > B2C > Marketplace $1.51B daikuan.com YiXin Capital (Daikuan) (2015, Beijing) Online platform for automobile financing JD.Com, Baidu, Tencent, Yiche Consumer Loans > Auto Loans $950M qufenqi.com Qufenqi (2014, Beijing) Online microloan / installment plan provider for e-commerce purchases Alipay, BlueRun Ventures, Kunlun, Kalends, Source Code Capital, ICH Group Consumer Loans > Purchase Financing $874M avant.com Avant (2012, Chicago) Online lending platform General Atlantic, Credit Suisse, QED Investors, Tiger Global Management, KKR, DFJ Growth, August Capital, RRE Ventures, Ribbit Capital, JPMorgan Chase & Co., Victory Park Capital, HPVP, Accolade Partners, Jefferies, Redhills Ventures, Balyasny Asset Management Consumer Loans > Unsecured Personal Loans > B2C > Marketplace $655M affirm.com Affirm (2012, San Francisco) Online lending platform for purchase financing Lightspeed Venture Partners, Andreessen Horowitz, Khosla Ventures, Spark Capital, Founders Fund, Silicon Valley Bank, Jefferies, Nyca Partners Consumer Loans > Purchase Financing > B2C $420M prosper.com Prosper (2005, San Francisco) P2P Lending Marketplace Accel Partners, Omidyar Network, Sequoia Capital, Benchmark Capital, Francisco Partners, Credit Suisse, Draper Fisher Jurvetson, QED Investors, Institutional Venture Partners, J.P. Morgan, TomorrowVentures, Meritech Capital, DAG Ventures, Crosslink Capital, BlackRock, Passport Capital, Draper Associates, Phenomen Ventures, USAA, Volition Capital, Atlanticus, Target Global, BBVA Ventures, Suntrust Banks, Fenway Summer, Breyer Capital, Neuberger Berman, F-Prime Capital Partners, Propel Venture Partners Consumer Loans > Unsecured Personal Loans > P2P Marketplace $353M fenqile.com Fenqile (2013, Shenzen) Online microloan e-commerce JD.Com, Matrix Partners China, SS&C Technologies, Bertelsmann Asia Investment Fund Consumer Loans > Purchase Financing $345M fundingcircle.com Funding Circle (2010, London) P2P lending marketplace for small businesses Accel Partners, Index Ventures, Union Square Ventures, DST Global, Temasek, Ribbit Capital, Baillie Gifford, Sands Capital, Montage Ventures, Endurance Companies Business Loans > Term Loans > P2B Marketplace $273M
  48. 48. Alternative Lending Report, September 201649 Interesting Late Stage Companies Company Overview Business Model Total Funding kabbage.com Kabbage (2009, Atlanta) Working capital financing for small businesses. SV Angel, United Parcel Service, Mohr Davidow Ventures, SoftBank, ING, BlueRun Ventures, Western Technology Investment, Lumia Capital, Thomvest Ventures, Victory Park Capital, Recruit Strategic Partners, Guggenheim Partners, Scotiabank, TCW Group, Mavcap, Reverence Capital Partners, Santander InnoVentures Business Loans > Working Capital > Unsecured Loans > B2B $240.81M oportun.com Oportun (2005, Menlo Park) Credit building unsecured personal loans for underbanked Hispanics. Greylock Partners, Fidelity Investments, Bank of America, Charles River Ventures, Institutional Venture Partners, Silicon Valley Bank, DAG Ventures, Great Oaks Venture Capital, Core VC, HTGC, CFSI, Peterson Partners, BlackRock Capital Investment Corporation Consumer Loans > Unsecured Personal Loans > Direct Lender $221.09M dianrong.com Dianrong (2012, Shanghai) China's P2P Leading Platform Standard Chartered, Tiger Global Management, Data Collective, IDMVC, Northern Light Venture Capital, Sun Hung Kai Properties, Stelac Capital Partners, Presidio Partners, ZJ Capital Consumer Loans > Unsecured Personal Loans > P2P Marketplace $219M lendup.com LendUp (2012, San Francisco) Payday loans direct lender Y Combinator, Andreessen Horowitz, SV Angel, KPCB, QED Investors, GV, Google Ventures, Kapor Capital, Data Collective, Founders' Co-op, Thomvest Ventures, Victory Park Capital, Eagle Cliff Partners, Susa Ventures, AFSquare Consumer Loans > PayDay Loans > Direct Lender $211.5M weidai.com.cn Weidai (2011, Hangzhou) P2P Lending platform in China Shanda Group, Vision Knight Capital, HAKIM, ZSVC Consumer Loans > Asset Backed Loans > P2P Marketplace $192.2M renovateamerica.com Renovate America (2010, San Diego) Financing programs for water and energy efficient home improvements. Draper Fisher Jurvetson, Silver Lake, RockPort Capital, Valor Equity Partners, Macquarie Group, Spring Creek Group, 400 Capital Management Consumer Loans > Project Financing > B2C $170M kreditech.com Kreditech (2012, Hamburg) Personal lending based on big data points IFC, Kreos Capital, Point Nine Capital, Amadeus Capital, Blumberg Capital, Victory Park Capital, Global Founders Capital, Digital Pioneers, J.C. Flowers & Co. LLC, Global Founders Capital, Varde Partners, Inc., HPE Growth Capital Consumer Loans > Unsecured Personal Loans > B2C $150.5M wacai.com Wacai (2008, Hangzhou) Personal finance ledger and management app and an advisory & distributor platform IDG Capital Partners, CBC Capital, CDH Investments, New Horizon Capital, Qiming Venture Partners Consumer Loans > Unsecured Personal Loans > P2P Marketplace $149M
  49. 49. Alternative Lending Report, September 201650 Interesting Late Stage Companies Company Overview Business Model Total Funding wonga.com Wonga (2007, London) Online platform for short term personal loans. Accel Partners, Greylock Partners, Balderton Capital, Meritech Capital, Oak Investment Partners, Holtzbrinck Ventures, Dawn Capital, Wellcome Trust, Oak Investment Partners, 83North Consumer Loans > PayDay Loans > Direct Lender $145M harmoney.com Harmoney (2013, Auckland) Online P2P lending platform. Trade Me, P2P GLOBAL INVESTMENTS PLC, NZX.com Consumer Loans > Unsecured Personal Loans > P2P Marketplace $136.1M jimubox.com Jimubox (2013, ) P2P Lending marketplace Shunwei, Investec, Mandra Capital, Matrix Partners China, Xiaomi, Ventech China, Ventech, Magic Stone Alternative, Vertex Ventures Consumer Loans > Unsecured Personal Loans > P2P Marketplace $131.2M renewfinancial.com Renew Financial (2008, Oakland) Financing solutions for renewable energy projects Braemar Energy, NGEN Partners, Angeleno Group, Apollo Investment Corporation, Claremont Creek Ventures, Prelude Ventures Consumer Loans > Project Financing $125M lendinghome.com LendingHome (2013, San Francisco) Alternative loans for residential mortgages. First Round Capital, Foundation Capital, Cowboy Ventures, Ribbit Capital, Renren, Colony Capital Business Loans > Mortgage Loans > P2B Markeplace > Accredited investors $109.3M fundbox.com Fundbox (2012, San Francisco) Invoice Financing for SMEs SV Angel, Khosla Ventures, Spark Capital, General Catalyst Partners, Silicon Valley Bank, Bezos Expeditions, Blumberg Capital, Entree Capital, Nyca Partners, Sound Ventures Business Loans > Working Capital > Invoice Financing > Discounting > Direct Lender $107.5M auxmoney.com Auxmoney (2007, Dusseldorf) Online lending platform for P2P loans. Index Ventures, Union Square Ventures, Foundation Capital, Partech Ventures, Aegon, SevenVentures, SevenVentures Consumer Loans > Unsecured Personal Loans > P2P Marketplace $84.72M yinke.com Yinke (2013, Beijing) Online P2P lending platform for SMEs and consumers Kalends, Source Code Capital Consumer Loans > Unsecured Personal Loans > P2P Marketplace $65M
  50. 50. Alternative Lending Report, September 201651 Funded Deadpooled Companies Company Overview Business Model Total Funding rongerong.com Rongerong (2012, Shenzhen) Online real estate mortgage lending platform Business Loans > Mortgage Loans $10M somolend.com SoMoLend (2011, Cincinnati) Peer to peer lending platform QED Investors, Blue Chip Venture, Queen City Angels, NYC Seed, CincyTech, North Coast Angel Fund, LaunchHouse Business Loans > Term Loans > P2B Marketplace $5.4M nailyourmortgage.com Nail Your Mortgage (2009, Chicago) Solutions for borrowers and lenders to interact in an open electronic marketplace. Aggregators > For Borrowers > Consumer Loans $3.1M studentfunder.com StudentFunder (2012, London) P2P platform for education loans. Emerge Education, Wayra Consumer Loans > Education Loans > P2P Marketplace $872K thefundwell.com FundWell (2010, San Francisco) Aggregator for business loans. Aggregators > For Borrowers > Business Loans $150K bilbus.com Bilbus (2010, New York City) Working Capital Platform Seedcamp Business Loans > Working Capital $53.3K
  51. 51. Alternative Lending Report, September 2016 Scope of Report Entrepreneur Activity Investment Trend Who is Investing Exit Outlook - IPO, Acquisitions Sub Sector Analysis Interesting Companies Useful Links Company List Team 52
  52. 52. Alternative Lending Report, September 201653 Useful Links Slide Title Content Platform Link List of All Companies in readable format Companies Link Large Upcoming Sectors Entrepreneur Activity Link Niche Upcoming Sectors Entrepreneur Activity Link Top investments in last one year Investment Trend Link Top IPOs in last three years Exit Outlook - IPO, Acquisitions Link Major Acquisitions in last one year Exit Outlook - IPO, Acquisitions Link Consumer Loans – Most Funded Companies Sub Sector Understand Link Business Loans – Most Funded companies Sub Sector Understand Link Enablers – Most Funded Companies Sub Sector Understand Link Aggregators – Most Funded Companies Sub Sector Understand Link Funded Deadpooled Companies Companies Link
  53. 53. Alternative Lending Report, September 2016 Scope of Report Entrepreneur Activity Investment Trend Who is Investing Exit Outlook - IPO, Acquisitions Sub Sector Analysis Interesting Companies Useful Links Company List Team 54
  54. 54. Alternative Lending Report, September 201655 Alternative Lending – Company List Consumer Loans Business Loans Enablers Aggregators 740 FUNDED COMPANIES AND 1008 UNFUNDED COMPANIES COVERS THE FOLLOWING SECTORS
  55. 55. Alternative Lending Report, September 2016 Consumer Loans (1/108) Company Overview Business Model Total Funding Meili Jirong (2015, Beijing) P2P lending platform JD.Com, Morningside Ventures, Bertelsmann Asia Investment Fund, GX Capital $65M Exchange Corporation (2008, Tokyo) Japanese P2P Lending Company 500 Startups, Recruit Strategic Partners, ACE and Company, Cyberagent Ventures, SIG, Arbor Ventures $12.8M MILI (2012, Moscow) Short term micro loans $6.1M UangTeman (2014, Jakarta) Indonesia based online microlender for personal and business purposes Alpha JWC Ventures $800k Prestamos Prima (2013, Barcelona) Alternative Lending for Consumers Finstar Financial Group Enova (2003, Chicago) Provides online financial services to alternative credit consumers. PerPay (2014, Philadelphia) Seed stage lending and payment platform Finova Financial (2015, San Francisco) Direct lender for car title loans Metamorphic Ventures, 500 Startups, MHS Capital, Coventure, Alhamragroup Asset Backed Loans $52.5M Go to BM List >> Business Loans 56
  56. 56. Alternative Lending Report, September 2016 Consumer Loans (2/108) Company Overview Business Model Total Funding Pawngo (2009, Centennial) Asset Backed Online Loans Access Venture Partners, Daylight Partners Asset Backed Loans $6.95M Valendo (2015, Berlin) online platform for luxury asset-backed lending Rheingau Founders, ProSiebenSat.1 Accelerator, Finleap Asset Backed Loans $27.48k Lendvo (2015, Alexandria) Provider of working capital loans to digital businesses. Asset Backed Loans Tangguojr (2014, Beijing) Loan against automobiles Asset Backed Loans Cashdown Nigeria (2014, Lagos) Nigeria-based online asset backed lending platform. Asset Backed Loans GuateApuros (2015, Mixco) Asset backed loans platform. Asset Backed Loans Gelman Loan (2015, Pittsburgh) Asset backed loans on luxury items Asset Backed Loans CocheGO (, Madrid) Car Title Loans Provider Asset Backed Loans Go to BM List >> Business Loans 57
  57. 57. Alternative Lending Report, September 2016 Consumer Loans (3/108) Company Overview Business Model Total Funding ipfand (2012, Essen) Online pawn shop Asset Backed Loans GadaiBarang (2006, Jakarta) Online pawn lending Asset Backed Loans Ablrate (2014, Singapore) P2P lending platform operating in Singapore Asset Backed Loans Pinjam (2015, Jakarta) Asset backed loans Asset Backed Loans Prendamovil (2012, Mexico City) Personal loans with warranty of car Asset Backed Loans PawnHero (2014, Manila) Online pawn shop service provider 500 Startups, Hatchd Digital, IMJ Investment Partners Asset Backed Loans Lend.Me (, ) Online lending platform with digital assets as collateral. Asset Backed Loans Loanzy (2014, New York City) Short term asset backed lending Asset Backed Loans > B2C Go to BM List >> Business Loans 58
  58. 58. Alternative Lending Report, September 2016 Consumer Loans (4/108) Company Overview Business Model Total Funding Assetline (2012, Bondi) Asset backed loans for personal and business expenses. Asset Backed Loans > B2C Helloan (2012, Beijing) Collateral backed B2C marketplace lending platform Haodai, Lantian Holding Asset Backed Loans > B2C > Marketplace $14.9M Rupeek (2015, Bangalore) Alternate lending platform for gold loans Asset Backed Loans > B2C > Marketplace Mojo Title Loans (2014, Burbank) Car Title Loans Asset Backed Loans > B2C > Marketplace Gold Uno (2015, Mumbai) Online gold loan comparison Asset Backed Loans > B2C > Marketplace Scottsdale Title Loans (2015, Scottsdale) Car Title Loan Provider Asset Backed Loans > B2C > Marketplace Levart (, New York City) Loans against art work Asset Backed Loans > B2C > Marketplace Xiaogouqianqian (2014, Shanghai) Asset backed loans for SMBs Asset Backed Loans > B2C > Marketplace Go to BM List >> Business Loans 59
  59. 59. Alternative Lending Report, September 2016 Consumer Loans (5/108) Company Overview Business Model Total Funding Borro (2008, London) Alternative lending platform for asset backed loans. Canaan Partners, OurCrowd, QED Investors, Ribbit Capital, Augmentum Capital, European Founders Fund, Victory Park Capital, Eden Ventures, Rocket Internet, Rockridge Investment Partners Asset Backed Loans > Direct Lender $177.9M PawnUp.com (2011, Montreal) A pawning service for personal asset backed loans. Asset Backed Loans > Direct Lender $250k DCANS Investments (2013, ) Direct lender for secured loans. Asset Backed Loans > Direct Lender Title Loan Direct (2015, Orange County) Direct lender for car title loans. Asset Backed Loans > Direct Lender LoanMart (2001, Encino) Lending Platform for Auto Title Loans Asset Backed Loans > Direct Lender Good Financial (2010, Nevada) Online Collateralized Lender Asset Backed Loans > Direct Lender PawnLoan (2013, Oregon) Asset backed loan against luxury assets Asset Backed Loans > Direct Lender ValueMax Group (1988, Singapore) Provides pawnbroking services and trading of luxury goods Asset Backed Loans > Direct Lender Go to BM List >> Business Loans 60
  60. 60. Alternative Lending Report, September 2016 Consumer Loans (6/108) Company Overview Business Model Total Funding Kamdo (2015, Singapore) Mobile first listing platform for pawn lending Asset Backed Loans > Direct Lender LiquiditySA (2014, Johannesburg) Asset based lender Asset Backed Loans > Direct Lender UltraPawn (2012, Littleton) Online asset-secured lending Asset Backed Loans > Direct Lender Luxury Asset Lending (2009, Newport) Asset backed, personal loans that are secured against big ticket items. Asset Backed Loans > Direct Lender plej® (2015, Queenstown) New Zealand based online pawning services for short term, asset backed personal loans. Asset Backed Loans > Direct Lender Zillidy (, Canada) Canadian alternative lending platform that provides online pawning service. Asset Backed Loans > Direct Lender ePawnMarket (2010, Atlanta) Online pawn shopping services that provides short term, asset backed personal loans. Asset Backed Loans > Direct Lender White Glove Capital LLC (2013, Chicago) Alternate lending that is secured against personal assets. Asset Backed Loans > Direct Lender Go to BM List >> Business Loans 61
  61. 61. Alternative Lending Report, September 2016 Consumer Loans (7/108) Company Overview Business Model Total Funding Weidai (2011, Hangzhou) P2P Lending platform in China Shanda Group, Vision Knight Capital, HAKIM, ZSVC Asset Backed Loans > P2P Marketplace $192.2M Jiurong (2014, Wuhan) Platform for borrowers and investors which enable information exchange Tian Ge Asset Backed Loans > P2P Marketplace $7.5M Tutengdai (2014, Chengdu) Online P2P lending platform against vehicles Asset Backed Loans > P2P Marketplace $3M Mintos (2014, Riga) An online marketplace lending platform. Skillion Ventures Asset Backed Loans > P2P Marketplace $2.21M Pingan Licaiwang (2014, Beijing) Online P2P lending platform for businesses and consumers Amphora Capital Asset Backed Loans > P2P Marketplace Relendex (2010, London) P2P lending platform for secured loans. Asset Backed Loans > P2P Marketplace Boluolc (2014, Beijing) Asset-backed loans for commercial purposes Asset Backed Loans > P2P Marketplace Topzrt (2014, Shenzhen) Online asset backed P2P lending platform HUIPE Asset Backed Loans > P2P Marketplace Go to BM List >> Business Loans 62
  62. 62. Alternative Lending Report, September 2016 Consumer Loans (8/108) Company Overview Business Model Total Funding Qishidai (2014, Beijing) Online P2P based asset-backed lending platform LeTV, Lancapital Holdings Asset Backed Loans > P2P Marketplace Car Loans (2012, Reno) Lender and servicer for auto loans. Asset Backed Loans > P2P Marketplace Ablrate (2014, England) Peer-to-peer platform providing asset backed business loans. Asset Backed Loans > P2P Marketplace 83Chedai (2014, Shanghai) Online platform for automotive mortgage based financing Meridian Capital China Asset Backed Loans > P2P Marketplace Xiaoxialicai (2016, Shanghai) Online asset backed loans P2P platform Asset Backed Loans > P2P Marketplace Edianlicai (2015, Beijing) P2P lending platform providing loan against art Asset Backed Loans > P2P Marketplace Lingxianlicai (2014, Shenzhen) Online based P2P lending company focused towards mortgage in agriculture sector Will Hunting Capital, K2 VC (Xianfeng Evergreen), 9C Capital Asset Backed Loans > P2P Marketplace Saving Stream (2012, Portsmouth) Secured property loans Asset Backed Loans > P2P Marketplace Go to BM List >> Business Loans 63
  63. 63. Alternative Lending Report, September 2016 Consumer Loans (9/108) Company Overview Business Model Total Funding Silver Bullion (2009, Singapore) Bullion backed P2P loans Asset Backed Loans > P2P Marketplace Wellesley & Co (, London) Asset-backed P2P lending platform Asset Backed Loans > P2P Marketplace Unbolted (2014, London) Unbolted is a P2P asset backed lending platform for personal loans. Asset Backed Loans > P2P Marketplace FundingSecure (2012, Theale) Online P2P lending platform for asset backed personal loans. Asset Backed Loans > P2P Marketplace MoneyThing (2014, London) P2P lending marketplace that facilitates asset backed loans. Asset Backed Loans > P2P Marketplace YieldStreet (2014, New York City) Online lending plaform for asset-backed loans Expansion Venture Capital, Saturn Partners, Saturn Partners Asset Backed Loans > P2P Marketplace > Accredited investors $3.7M YiXin Capital (Daikuan) (2015, Beijing) Online platform for automobile financing JD.Com, Baidu, Tencent, Yiche Auto Loans $950M Shenma Jinrong (2015, Shanghai) Mobile based loan platform Northern Light Venture Capital, Shunwei, Frees Fund Auto Loans $15M Go to BM List >> Business Loans 64
  64. 64. Alternative Lending Report, September 2016 Consumer Loans (10/108) Company Overview Business Model Total Funding Credit Acceptance (, ) Auto Loans for consumers with bad credit history Auto Loans PowerAutoLoan (2015, Irvine) Platform for auto loans. Auto Loans Ziploans (2015, Vancouver) Auto loans for consumers Auto Loans > B2C Chedia (2013, Shanghai) Online platform for automobile loans Matrix Partners China Auto Loans > B2C > Marketplace $33.56M AutoFi (2015, San Francisco) Point of sale solution for financing a vehicle online 500 Startups, Crosslink Capital, Laconia Ventures, Basset Investment, Lerer Hippeau Ventures Auto Loans > B2C > Marketplace $19.5M Chedia Bitauto (2015, Beijing) Car loans and insurance marketplace platform Auto Loans > B2C > Marketplace SpringboardAuto (2015, Irvine) Auto Loans Platform Auto Loans > Direct Lender P2phx (2013, Guangzhou) P2P lending platform for car loans Auto Loans > P2P Marketplace $16.6M Go to BM List >> Business Loans 65
  65. 65. Alternative Lending Report, September 2016 Consumer Loans (11/108) Company Overview Business Model Total Funding Chenengdai (2014, Ningbo) Online P2P lending platform focused at automobile loans IIS 8, Peeli ventures Auto Loans > P2P Marketplace $1.8M DriverUp (2015, Austin) Online marketplace for auto loans RRE Ventures, SF Capital, Emerald Development Managers Auto Loans > P2P Marketplace > Accredited investors $70M SelfScore (2013, Palo Alto) Credit card for International students in the US. Accel Partners, Pelion Venture Partners, Fenway Summer, SparkLabs Global Ventures, Aspect Ventures Credit Builder Loans $14.5M Float (2014, Los Angeles) Provides unsecured interest-free line of credit for consumers. 500 Startups, Plug and Play Tech Center, FundersClub, Camp One Ventures Credit Builder Loans $125k Cedi Financial (2015, Accra) Credit builder loans provider Credit Builder Loans $0.1M ModernLend (2014, New York City) Provides credit builder loans. Entrepreneurs Roundtable Accelerator Credit Builder Loans $40K Lenny (2015, California) Offers microloans to students and helps build credit scores Credit Builder Loans Credit Fair (2015, Louisville) Installment loan provider. Credit Builder Loans Go to BM List >> Business Loans 66
  66. 66. Alternative Lending Report, September 2016 Consumer Loans (12/108) Company Overview Business Model Total Funding Credilike (2011, ) Helps in building credit histories through short term loans to millenials Village Capital, Pomona Impact Credit Builder Loans Self Lender (2014, Denver) Provider of credit builder loans. Techstars, Silverton Partners, Kickstart Seed Fund, Kickstart Seed Fund, Galvanize Credit Builder Loans > B2C $2.69M LenderExchange (, Singapore) Marketplace for refinancing loans. Hatcher Credit Card Debt Refinancing Quick Consolidation Loans (2014, Cape Town) Offers debt consolidation loans Credit Card Debt Refinancing Payoff (2009, Long Beach) Provides loans to pay off credit card debt FirstMark Capital, Great Oaks Venture Capital, Anthemis Group, SparkLabs Global Ventures, Innovate Partners Credit Card Debt Refinancing > B2C $71.12M SimplyCredit (2015, San Francisco) Credit card debt consolidation XSeed Capital, Blumberg Capital Credit Card Debt Refinancing > B2C > Marketplace $1.5M LENDLIFT (2012, Atlanta) Online P2P marketplace for credit card pay-off. Credit Card Debt Refinancing > P2P Marketplace Future Finance (2013, Dublin) Lending platform for Education Loans Blackstone, QED Investors, Fenway Summer, Ridge Road Partners, 1/0 Capital Education Loans $27.31M Go to BM List >> Business Loans 67
  67. 67. Alternative Lending Report, September 2016 Consumer Loans (13/108) Company Overview Business Model Total Funding Skills Fund (2015, Austin) Student financing Education Loans $11.5M Vested Finance (2015, Austin) Income Share Agreement based education loan provider Sandleigh Ventures, Fastforward Innovations Education Loans $8.83M Student Loan Genius (2013, Austin) Employer enabled Student Debt Management Platform Kapor Capital, Capital Factory, Village Capital, Travis Devitt, Socratic ventures, Michael Brogioli, Socratic Ventures, St. James Park Ventures, Gibraltar Ventures Education Loans $4.43M ClimbCredit (2014, New York City) Offers student financing Education Loans $3.1M LendLayer (2014, San Francisco) Alternative financing for coding bootcamps Education Loans $400k GradSchoolLoans (2015, Cleveland) Loans for medical school students, resident doctors and fellows Education Loans $225K Stilt (2015, San Francisco) Online lending platform for expats in the US Y Combinator, Investomex Education Loans $120k Edstart (2016, Sydney) Lending platform for education. Stone and Chalk, H2 Ventures Education Loans $100K Go to BM List >> Business Loans 68
  68. 68. Alternative Lending Report, September 2016 Consumer Loans (14/108) Company Overview Business Model Total Funding 51bangxue (2015, Beijing) Online student focused education loan provider Education Loans Mingxiaodai (2013, Xuhui) Lending platform for student loans Education Loans Eduloan (1996, Johannesburg) South Africa-based educational finance provider. Education Loans Student Finance Africa (2015, Nairobi) Education loan provider for post secondary education. Education Loans Xiaoniujh (2015, Beijing) Online financing platform for K-12 education loans Angel Plus Education Loans Ta-Lend (2011, Miami) Student loans for internationals students in the US. Education Loans LegUp (2016, Mumbai) Financing for career enhancing activities Education Loans LENFIN (2015, Johannesburg) School Fee Loans Education Loans Go to BM List >> Business Loans 69
  69. 69. Alternative Lending Report, September 2016 Consumer Loans (15/108) Company Overview Business Model Total Funding Student Loan Freedom (2015, Richmond) Student loan consolidation. Education Loans Future Finance (, Dublin) Student financing Education Loans U-fi Student Loans (2015, Lincoln City) B2C platform for private student loans Education Loans > B2C Quotanda (2013, Barcelona) Student financing platform. Education Loans > B2C Sofi (2011, San Francisco) Educational loans marketplace Morgan Stanley, SoftBank, QED Investors, Institutional Venture Partners, Innovation Endeavors, Grail Partners, Baseline Ventures, DCM Ventures, Ulu Ventures, Thomvest Ventures, SGVC, Renren, Discovery Capital, East West Bank, Wellington Management, The Bancorp, New Ground Ventures, Third Point Ventures, Baseline Ventures Education Loans > B2C > Marketplace $1.51B CommonBond (2011, Brooklyn) Online lending platform for education loans. August Capital, Tribeca Venture Partners, Victory Park Capital, Barclays, Nelnet, DBRS, Macquarie Group, Moody, Nyca Partners, Social Capital Education Loans > B2C > Marketplace $174.65M LendKey (2007, New York City) Student loans provider Gotham Ventures, Draper Fisher Jurvetson, Silicon Valley Bank, Updata Partners, Zelkova Ventures, TTV Capital, Brazos Group, JBR Media Ventures Education Loans > B2C > Marketplace $20M Go to BM List >> Business Loans 70
  70. 70. Alternative Lending Report, September 2016 Consumer Loans (16/108) Company Overview Business Model Total Funding Credible (2014, San Francisco) An alternate lending platform for financing student loans and refinancing student loan debt. REDBUS, Seraph Group, Orrick, Cap-Meridian Ventures, Cthulhu Ventures, Carthona Capital Education Loans > B2C > Marketplace $13M CoderLoan (2014, New York City) Online financing platform for programming courses. Conscious Venture Lab Education Loans > B2C > Marketplace $25K Loanscribe (2013, New York City) Alternative lending to refinance student loan debts. Education Loans > B2C > Marketplace Sixup (2014, San Francisco) Education finance platform Western Technology Investment, Learn Capital, Accelerator Ventures Education Loans > B2C > Marketplace PYT Funds (2014, Washington) Merger of donation based crowdfunding and lending to finance college education FinTech Innovation Lab Education Loans > B2C > Marketplace Earnest (2013, San Francisco) Alternative lending platform for refinancing student debt First Round Capital, Andreessen Horowitz, Atlas Venture, Maveron, Battery Ventures, Correlation Ventures, Adams Street Partners, Collaborative Fund, Designer Fund, New York Life Insurance, QueensBridge Venture Partners, Accomplice, Spectrum, Propel Venture Partners Education Loans > Direct Lender $107M College Ave (2014, Wilmington) Student loans marketplace Comcast Ventures, Fenway Summer, Dw Investments, Fenway Summer Ventures Education Loans > Direct Lender $20M Go to BM List >> Business Loans 71
  71. 71. Alternative Lending Report, September 2016 Consumer Loans (17/108) Company Overview Business Model Total Funding Smart-Pig (2011, London) Offers student top-up loans Education Loans > Direct Lender Prodigy Finance (2007, London) Online platform for community loans for international business school students. Balderton Capital Education Loans > P2P Marketplace $13.7M Funding-University (2015, Atlanta) Lending platform for student loans. Bezos Expeditions Education Loans > P2P Marketplace $1M StudentFunder (2012, London) P2P platform for education loans. Emerge Education, Wayra Education Loans > P2P Marketplace $872K qifang (2007, Shanghai) China's Online Student Loan Community Education Loans > P2P Marketplace $200k Shared Interest (, Brooklyn) P2P lending platform for student loan debt refinancing. Education Loans > P2P Marketplace TuitionCoin (2014, Leesburg) Student loan refinancing, servicing and investment platform Help us build a better lending system one loan and investor at a time. Education Loans > P2P Marketplace Trustio (2016, Delhi) Platform to avail short term student loans from college alumni Education Loans > P2P Marketplace Go to BM List >> Business Loans 72
  72. 72. Alternative Lending Report, September 2016 Consumer Loans (18/108) Company Overview Business Model Total Funding GraduRates (2012, ) Peer to peer loans for postgraduate study financing. Education Loans > P2P Marketplace Hxjx360 (2014, Chengdu) P2P lending platform aimed at younger generation Education Loans > P2P Marketplace Splendit (2014, Zurich) P2P lending for student loans Education Loans > P2P Marketplace Gopher (2015, Dallas) Peer-to-peer lending platform for healthcare professionals Collide Village Education Loans > P2P Marketplace Gyandhan (2015, Delhi) Education financing marketplace Stanford Angels & Entrepreneurs India Education Loans > P2P Marketplace Vote4Edu (2015, Hyderabad) P2P lending marketplace platform for education loans Education Loans > P2P Marketplace Redfin (, Mexico) Peer-to-peer lending for Postgraduate business communities Education Loans > P2P Marketplace Aspiro Funding (2013, London) Social Education Crowdfunding Platform Education Loans > P2P Marketplace Go to BM List >> Business Loans 73
  73. 73. Alternative Lending Report, September 2016 Consumer Loans (19/108) Company Overview Business Model Total Funding DANA didik (2015, Jakarta) An online lending platform for education loans Education Loans > P2P Marketplace Duckling (, New York City) Provides student loans by pooling funds from students. Education Loans > P2P Marketplace EdAid (2011, London) Online lending marketplace for student loans. Education Loans > P2P Marketplace CapAlly (2007, Chicago) An online P2P lending platform for financing student loan debt. Education Loans > P2P Marketplace MPOWER Financing (2014, Washington D.C.) Online marketplace for student loans. Baltimore Angels, Village Capital, 1776, Panther Angels Education Loans > P2P Marketplace > Accredited investors $4M Edudream (2014, ) B2C Marketplace for education loans Education Loans > P2P Marketplace > Accredited investors zebit (2011, Middlesex) Short Term Employer Loans Mohr Davidow Ventures, QED Investors, Correlation Ventures, Crosslink Capital, Leapfrog Ventures, Wildcat Venture Partners Employer Loans $35M Neyber (2014, London) Offers loans to employees which are repaid through salary deduction Employer Loans $12.35M Go to BM List >> Business Loans 74
  74. 74. Alternative Lending Report, September 2016 Consumer Loans (20/108) Company Overview Business Model Total Funding SalaryFinance (2015, London) Online lending platform for employer loans. Bright Bridge Ventures Employer Loans $10.4M Fljr001 (2015, Guangzhou) Online lending platform for employees of different enterprises Employer Loans $1.2M Ziero (2015, San Francisco) Online platform for employer loans. Ferst Capital Employer Loans $150k Contigo Financial (2012, Nashville) Employer loans provider. Solidus, Jumpstart Foundry, Jumpstart Foundry Employer Loans $15K Liquick (, Mexico City) Platform offering employer loans. Employer Loans Venmetro (2015, ) Offers employer loans Employer Loans OpenTap (2014, Chennai) Peer to peer lending marketplace Employer Loans Kashable (2013, New York City) Employer loans Raptor Group, Krillion Ventures, Corigin Ventures Employer Loans Go to BM List >> Business Loans 75
  75. 75. Alternative Lending Report, September 2016 Consumer Loans (21/108) Company Overview Business Model Total Funding MEDILOAN (2012, Cape Town) Helping companies provide loans to staff Employer Loans Prima Health Credit (2009, Newport Beach) Healthcare focused marketplace lender Healthcare Loans $1M Medmonk (2012, Cupertino) Provide financial assistance to patients who are unable to pay for medical treatments and thus improving adherence Rock Health Healthcare Loans Patient Lending (2014, Mesa) Provider of finance for medical & dental expenses. Healthcare Loans GetHonestPay (2016, Bangalore) Healthcare financing options Healthcare Loans Medicard Finance (1996, Toronto) Canada-based patient finance provider. Healthcare Loans Springstone Financial LLC (2003, Westborough) Patient financing solutions Healthcare Loans Prosper Healthcare (2009, Salt Lake City) Online healthcare financing platform Healthcare Loans Go to BM List >> Business Loans 76
  76. 76. Alternative Lending Report, September 2016 Consumer Loans (22/108) Company Overview Business Model Total Funding Finrise (2015, San Mateo) Offers healthcare financing iAngels, NFX Guild Healthcare Loans First Health Finance (2008, Cape Town) Offers loans for medical procedures Healthcare Loans MediFin (2012, Cape Town) Offers loan for medical procedures Healthcare Loans MediPay (2015, ) Payment plans for medical and dental procedures. Healthcare Loans Crediyo (2014, New York City) Lending platform for healthcare loans. Healthcare Loans easymedicalloan.com (, Tustin) Financing to patients and healthcare practices Healthcare Loans Fertility Funds (2013, New York City) Online lender for fertility procedures for women. Healthcare Loans United Medical Credit (2011, Santa Ana) Lending platform for medical credit Healthcare Loans > B2C > Marketplace Go to BM List >> Business Loans 77
  77. 77. Alternative Lending Report, September 2016 Consumer Loans (23/108) Company Overview Business Model Total Funding AmicCARE (2014, Beverly Hills) P2P platform for personal loans Healthcare Loans > B2C > Marketplace 58fangdai (2015, Nanjing) Lending platform providing rent installment service 9FBank, China Renaissance, AC Index Fund, Will Hunting Capital, Zhongcheng capital Home Rentals $20.17M Huifenqi (2014, Beijing) Online platform for loans to users for paying home rentals Source Code Capital Home Rentals $5.6M ZU-BA (2014, Beijing) Lending platform for house rentals K2 VC (Xianfeng Evergreen), CyberAgent Ventures Home Rentals $1.8M WeZebra (2014, Beijing) Online platform that provides loans for home rental Renaissance Venture Capital Fund, Fenqile, N5Capital Home Rentals $771k Dashu Finance (2014, Shenzhen) Online small and micro loan platform Sequoia Capital, PAG Micro Loans $92.8M Branch (2014, San Francisco) Short term lending mobile application. Andreessen Horowitz, Formation 8, Khosla Impact Micro Loans $10.6M Musoni (2009, Nairobi) Nairobi-based micro-finance provider. Oikocredit Micro Loans $1.3M Go to BM List >> Business Loans 78
  78. 78. Alternative Lending Report, September 2016 Consumer Loans (24/108) Company Overview Business Model Total Funding L-Pesa Microfinance (2014, Dodoma) Mobile based microfinance services in Africa and India Micro Loans M-pepea credit (2011, Nairobi) Mobile-based micro loans provider. 88mph Micro Loans 4G Capital (2012, ) Micro credit provider specializing in financial inclusion of self- employed across Africa. GSMA Micro Loans Blossom (2014, San Francisco) Blockchain-based micro loans for businesses. Micro Loans Ellis Microfinance (2006, Tema) Micro loans in Ghana Micro Loans Ndiza Finance (2009, ) Micro loans to entrepreneurs Micro Loans Vittana (2009, Seattle) Education Microfinance Lender Google Micro Loans Blossom Finance (2014, Jakarta) Islamic micro-financing in Indonesia using bitcoin Micro Loans Go to BM List >> Business Loans 79
  79. 79. Alternative Lending Report, September 2016 Consumer Loans (25/108) Company Overview Business Model Total Funding MoneyVeo (, Kiev) Online Micro loans Micro Loans Kueski (2012, Guadalajara) Micro-loans for Mexican Republic CrunchFund, Richmond Global, Victory Park Capital, Rise Capital, GAIN Guadalajara Angel Investor Network, Core Ventures Group, Auria Capital, Angel Ventures, Variv Capital Micro Loans > Direct Lender $11.3M Accion (1994, San Antonio) Nonprofit microfinance company Micro Loans > Direct Lender Batian Capital (2015, Nairobi) Batian Capital Limited - Lending with a purpose Micro Loans > Direct Lender Makanda Finance (2010, ) Direct Lender for micro loans Micro Loans > Direct Lender 9FBank (2006, Beijing) P2P microfinance credit provider IDG Capital Partners, SIG China, Grandis Capital Micro Loans > P2P Marketplace $114.6M Shoujidai (2014, Shanghai) Mobile finance app that provides micro loans Sequoia Capital, Zero2IPO, Blue Lake Capital Micro Loans > P2P Marketplace $45M Kiva (2005, San Francisco) A non profit organisation for international P2P microfinance lending Micro Loans > P2P Marketplace $9M Go to BM List >> Business Loans 80
  80. 80. Alternative Lending Report, September 2016 Consumer Loans (26/108) Company Overview Business Model Total Funding Milaap (2010, Bangalore) Online microlending and donation based crowdfunding platform Jungle Ventures, Unitus Seed Fund, First Light Ventures, Khosla Impact, LionRock Capital Micro Loans > P2P Marketplace $1.35M Lendahand (2011, Rotterdam) Microfinance P2P lending platform Micro Loans > P2P Marketplace $0.9M Mobp2p (2013, Shanghai) Mobile based P2P lending platform Glory Ventures Micro Loans > P2P Marketplace Deki (2008, Stokes) P2P lending marketplace for micro loans. Micro Loans > P2P Marketplace Eweidai (2013, Shenzhen) Online P2P lending platform Micro Loans > P2P Marketplace Microwd (2015, Madrid) Microfinance lending marketplace. Micro Loans > P2P Marketplace Amartha (2010, Bogor) Microfinance P2P lending platform. Micro Loans > P2P Marketplace Pi Slice (2012, Dubai) Online micro lending platform in MENA region Micro Loans > P2P Marketplace Go to BM List >> Business Loans 81
  81. 81. Alternative Lending Report, September 2016 Consumer Loans (27/108) Company Overview Business Model Total Funding 51Give (2007, Beijing) Online micro lending patform Micro Loans > P2P Marketplace LendforPeace (2008, New York City) P2P microlending platform Micro Loans > P2P Marketplace GandengTangan (2015, Jakarta) P2P lending platform for social impact Micro Loans > P2P Marketplace MicroGraam (2009, Bangalore) P2P lending microfinance marketplace Micro Loans > P2P Marketplace p2p Microfinance (2010, Pilani) Peer to peer microfinance platform Micro Loans > P2P Marketplace WeCareIndia (2011, Gulbarga) P2P lending platform for social investors. Micro Loans > P2P Marketplace RangDe (2008, Bangalore) Non-Profit Microcredit Portal The World Bank Group, Millennium Alliance Micro Loans > P2P Marketplace MyC4 (2006, Copenhagen) A microlending platform for business loans in Africa. Micro Loans > P2P Marketplace Go to BM List >> Business Loans 82
  82. 82. Alternative Lending Report, September 2016 Consumer Loans (28/108) Company Overview Business Model Total Funding Kubaru Microfinance (2011, London) P2P micro-lending platform for entrepreneurs in post-disaster areas Micro Loans > P2P Marketplace LendFu (2013, San Francisco) An alternate marketplace for borrowers and lenders to access/facilitate personal and payday loans. Micro Loans > P2P Marketplace Zidisha (2009, Sterling) P2P microlending platform Y Combinator Micro Loans > P2P Marketplace HomeKuber (2016, Delhi) Home loans marketplace Mortgage Loans Abu Dhabi Finance (2008, Abu Dhabi) Mortgage lender for residential and commercial property in the Emirates of Abu Dhabi and Dubai Mortgage Loans PartnerOwn (2014, ) Online lending platform for mortgage loans. Mortgage Loans Expedite Financial (2014, San Francisco) Mortgage lending platform. Mortgage Loans Rate Gator (2015, Saratoga Springs) An online mortgage marketplace. Mortgage Loans Go to BM List >> Business Loans 83
  83. 83. Alternative Lending Report, September 2016 Consumer Loans (29/108) Company Overview Business Model Total Funding Lenda (2012, ) An alternate lending platform for refinancing mortgages. 500 Startups, Lakestar, Winklevoss Capital, Structure Capital, Quest Ventures, China Growth Capital, Rubicon, MetaProp NYC, Cherry Ventures Mortgage Loans > B2C $3.65M DDJF (2015, Shenzhen) Real estate loans platform Sequoia Capital, PAG Mortgage Loans > B2C ditech (1995, Fort Washington) An alternate lending solution for home loans. Mortgage Loans > B2C RatesForUs (2015, Philadelphia) B2C marketplace for mortgage loans. Mortgage Loans > B2C > Marketplace Homeloans (1985, Perth) Home loans provider Mortgage Loans > B2C > Marketplace bijBouwe (2015, Amsterdam) Online mortgage lender. Mortgage Loans > B2C > Marketplace Magiera Mortgage (2015, Chicago) Platform for applying mortgage loans. Mortgage Loans > B2C > Marketplace loanDepot (2010, Foothill Ranch) Online platform for consumer loans. Parthenon Capital Partners Mortgage Loans > Direct Lender $71.95M Go to BM List >> Business Loans 84
  84. 84. Alternative Lending Report, September 2016 Consumer Loans (30/108) Company Overview Business Model Total Funding Better Mortgage (2014, New York City) Alternative lender for Mortgage loans and refinance IA Venttures, Goldman Sachs, Pine Brook Partners, Global Asset Capital, 1/0 Capital Mortgage Loans > Direct Lender $52.1M Clara (2000, San Francisco) Online lending platform for home financing. Redpoint Ventures, Venrock Mortgage Loans > Direct Lender $27M Privlo (2011, Pasadena) Online lending platform for mortgage loans. Spark Capital, QED Investors Mortgage Loans > Direct Lender $8.6M Quicken Loans (1985, Detroit) Mortgage lending firm. Camelot Venture Group Mortgage Loans > Direct Lender Ventana Loans (2015, Gilbert) Mortgage Loans Provider Mortgage Loans > Direct Lender B.E. Lending (2015, Phoenix) Short-term, private money loans provider for Real Estate investors. Mortgage Loans > Direct Lender Landbay (2013, London) A P2P lending platform for residential mortgage investments. Seedrs, Omni Mortgage Loans > P2P Marketplace $8.33M Gujinsuo (2014, Shenzhen) Consumer focused P2P lending platform Small Ville Financial Advisor Mortgage Loans > P2P Marketplace Go to BM List >> Business Loans 85
  85. 85. Alternative Lending Report, September 2016 Consumer Loans (31/108) Company Overview Business Model Total Funding Neat Capital (2015, Boulder) Online lending platform for mortgage loans. Mortgage Loans > P2P Marketplace Robin Hood Mortgages (2014, London) Online P2P lending platform for mortgage loans. Mortgage Loans > P2P Marketplace D.com.cn (2011, Shanghai) Mortgage based P2P lending platform Ample Harvest Capital Mortgage Loans > P2P Marketplace GoLend (2013, Hong Kong) P2P lending platform for mortgage loans. Mortgage Loans > P2P Marketplace Txdai (2014, Beijing) Online P2P lending platform for mortgages Mortgage Loans > P2P Marketplace Wanjiajinfu (2014, Beijing) P2P lending platform for real estate financing service Shenzhen Oriental Fortune Capital Management Mortgage Loans > P2P Marketplace Jungo (2015, Amsterdam) P2P Lending for Mortgage Loans With our platform, everyone wins! Mortgage Loans > P2P Marketplace INTERACTIVESHARES (2014, Washington D.C.) Real estate crowdfunding platform Mortgage Loans > P2P Marketplace Go to BM List >> Business Loans 86
  86. 86. Alternative Lending Report, September 2016 Consumer Loans (32/108) Company Overview Business Model Total Funding Viventor (2015, Barcelona) P2P lending platform dealing in loans backed by mortgages Mortgage Loans > P2P Marketplace PeerStreet (2013, Los Angeles) Marketplace for secured real estate loans. Rembrandt Venture Partners, Felicis Ventures, Guggenheim Partners, Montage Ventures Mortgage Loans > P2P Marketplace > Accredited investors $6.1M MoneyMan (2011, Moscow) Online payday loans Emery Capital PayDay Loans $9M Sipicredito (2015, ) Online lending platform for payday loans. PayDay Loans Kredicity (2016, Medellin) Online lending platform for payday loans. PayDay Loans The Advancer (2015, ) Online lending platform for payday loans. PayDay Loans CASHe (2016, Mumbai) Mobile first payday loan platform PayDay Loans Rapicredit (2013, Bogota) Online lending platform for payday loans. PayDay Loans Go to BM List >> Business Loans 87
  87. 87. Alternative Lending Report, September 2016 Consumer Loans (33/108) Company Overview Business Model Total Funding Lineru (2011, ) Online platform for payday loans. PayDay Loans Mkobo (2015, Lagos) Offers payday loans PayDay Loans Shield (2013, Nairobi) Offers payday loans PayDay Loans Paylater (, Lagos) Short term consumer lending PayDay Loans Rupeelend (2014, Delhi) Pay day loan platform PayDay Loans Boodle (2007, Johannesburg) Online Payday loans PayDay Loans Kadki (2015, Pune) Online short term lending platform PayDay Loans kredit24 (2013, ) Offers payday loans PayDay Loans Go to BM List >> Business Loans 88
  88. 88. Alternative Lending Report, September 2016 Consumer Loans (34/108) Company Overview Business Model Total Funding Platiza (2011, Moscow) Online short-term loans FINAM Global, Flint Capital PayDay Loans GetBucks (2011, Port Louis) Provides payday loans TLG Capital PayDay Loans SafetyNet Credit (2011, London) Direct lender for short term loans PayDay Loans Moneyveo (2013, Kiev) Online short term microfinance company in Ukraine PayDay Loans Apoyos Express (2014, Mexico) Payday Loans PayDay Loans Vexcash (2012, Berlin) Lending platform for payday loans PayDay Loans > B2C $1.4M Kener Lending (2014, Houston) Israel-based online lending platform for short-term loans. PayDay Loans > B2C > Marketplace LendUp (2012, San Francisco) Payday loans direct lender Y Combinator, Andreessen Horowitz, SV Angel, KPCB, QED Investors, GV, Google Ventures, Kapor Capital, Data Collective, Founders' Co-op, Thomvest Ventures, Victory Park Capital, Eagle Cliff Partners, Susa Ventures, AFSquare PayDay Loans > Direct Lender $211.5M Go to BM List >> Business Loans 89
  89. 89. Alternative Lending Report, September 2016 Consumer Loans (35/108) Company Overview Business Model Total Funding Wonga (2007, London) Online platform for short term personal loans. Accel Partners, Greylock Partners, Balderton Capital, Meritech Capital, Oak Investment Partners, Holtzbrinck Ventures, Dawn Capital, Wellcome Trust, Oak Investment Partners, 83North PayDay Loans > Direct Lender $145M ZestCash (2009, Los Angeles) A microlending platform for short term loans. Lightspeed Venture Partners, Upfront Ventures, Matrix Partners, Flybridge Capital Partners, Victory Park Capital, Lighthouse Capital Partners PayDay Loans > Direct Lender $92M MoneyMe (2013, Sydney) Lending Platform for Payday loans PayDay Loans > Direct Lender $31M EarlySalary (2015, Pune) NBFC linked lending platform for consumer loans Transcorp International PayDay Loans > Direct Lender $1.5M L.O.A.F. (2013, London) Payday loans Premia Capital PayDay Loans > Direct Lender $0.25M KiaKia (2015, Abuja) Online lending platform for payday loans. PayDay Loans > Direct Lender Quid24 (2010, London) Lender for short term loans. PayDay Loans > Direct Lender Go to BM List >> Business Loans 90
  90. 90. Alternative Lending Report, September 2016 Consumer Loans (36/108) Company Overview Business Model Total Funding Rosmicrocredit (2013, Moscow) Lender for short term loans. PayDay Loans > Direct Lender paydayone (2002, Fort Worth) Provider of payday loan. Authosis Ventures PayDay Loans > Direct Lender Dollars Direct (2009, ) Canada based online payday lender. PayDay Loans > Direct Lender DoctorCash (, Makati) Philippine-based payday lender. PayDay Loans > Direct Lender Viva Credit IFN SA (2010, Bucharest) Romania-based payday lender. PayDay Loans > Direct Lender GoDay (2012, Toronto) Canada-based online short term lender. PayDay Loans > Direct Lender MoneyMan (2011, Espana) Lending platform for payday loans PayDay Loans > Direct Lender QueBueno.es (2011, Espana) Lending platform for payday loans PayDay Loans > Direct Lender Go to BM List >> Business Loans 91
  91. 91. Alternative Lending Report, September 2016 Consumer Loans (37/108) Company Overview Business Model Total Funding Money Mouse (2014, Pretoria) Payday Loans - Direct Lender PayDay Loans > Direct Lender QuickQuid (2007, London) Payday loan platform — Visit our blog, http://quickquid.co.uk/quid-corner PayDay Loans > Direct Lender WongaZA (2010, Cape Town) Online payday lender PayDay Loans > Direct Lender Loan Shop (2008, Pretoria) Lender for payday loans PayDay Loans > Direct Lender Mulah (2013, Garsfontein) Provides payday loans PayDay Loans > Direct Lender wanna loan (2011, Cape Town) Provides Payday Loans in South Africa PayDay Loans > Direct Lender My Payday Loans (2013, ) Offers payday loans in South Africa PayDay Loans > Direct Lender LittleLoans (2014, Johannesburg) Direct lender for payday loans PayDay Loans > Direct Lender Go to BM List >> Business Loans 92
  92. 92. Alternative Lending Report, September 2016 Consumer Loans (38/108) Company Overview Business Model Total Funding Loan Ranger (2012, Perth) Online direct lender for short term loans LiberumCapital PayDay Loans > Direct Lender Finance27 (2010, Johannesburg) Online lending platform for payday loans. PayDay Loans > Direct Lender MoneyForAll (2013, Johannesburg) Provides short term loans PayDay Loans > Direct Lender Quidie (2012, London) Payday Loans PayDay Loans > Direct Lender Nextcredit (, ) Provides payday loans PayDay Loans > Direct Lender Mr Lender (2009, Essex) Payday lender PayDay Loans > Direct Lender Telecredit.ro (2014, Bucharest) Online platform for short term loans. PayDay Loans > Direct Lender Twinero (2011, Barcelona) Offers short-term micro-loans. PayDay Loans > Direct Lender Go to BM List >> Business Loans 93
  93. 93. Alternative Lending Report, September 2016 Consumer Loans (39/108) Company Overview Business Model Total Funding Lending Stream (2008, Edgware) Payday loan cash advances. PayDay Loans > Direct Lender cohete (2013, Miguel Hidalgo) Provides payday loans. PayDay Loans > Direct Lender MobiLender (2013, Jalisco) Provides micro, payday loans. PayDay Loans > Direct Lender RISE Credit (2013, Fort Worth) Provides emergency loans. PayDay Loans > Direct Lender Fido Money Lending (2014, Accra) Short-term loans PayDay Loans > Direct Lender Savelend (2013, Gavle) P2P lending platform for short term loans. PayDay Loans > P2P Marketplace QuickCredit (2015, Hyderabad) P2P lending platform for short term loans. PayDay Loans > P2P Marketplace Lender (2016, Tempe) P2P lending platform for anonymous short term loans. PayDay Loans > P2P Marketplace Go to BM List >> Business Loans 94
  94. 94. Alternative Lending Report, September 2016 Consumer Loans (40/108) Company Overview Business Model Total Funding Vote4Cash (2014, Hyderabad) Online P2P payday loans marketplace PayDay Loans > P2P Marketplace Webtransfer (2005, London) P2P lending platform for short term loans PayDay Loans > P2P Marketplace Renew Financial (2008, Oakland) Financing solutions for renewable energy projects Braemar Energy, NGEN Partners, Angeleno Group, Apollo Investment Corporation, Claremont Creek Ventures, Prelude Ventures Project Financing $125M Ygrene Energy Fund (2009, Santa Rosa) Offers clean energy financing solutions Project Financing Greenworks Lending (2015, Stamford) Origination and lending platform for commercial building. Project Financing Renovate America (2010, San Diego) Financing programs for water and energy efficient home improvements. Draper Fisher Jurvetson, Silver Lake, RockPort Capital, Valor Equity Partners, Macquarie Group, Spring Creek Group, 400 Capital Management Project Financing > B2C $170M Mosaic (2011, Oakland) Residential solar financing provider Verizon, Warburg Pincus, Department of Energy (US), Obvious Ventures, Core VC, Spring Ventures, Serious Change, Toniic, dzbank.com, greenbank.ny.gov Project Financing > B2C > Marketplace $247M Go to BM List >> Business Loans 95
  95. 95. Alternative Lending Report, September 2016 Consumer Loans (41/108) Company Overview Business Model Total Funding Geostellar (2011, Reston) Solar energy marketplace and patented platform to instantly & interactively tailor equipment, financing and installation. Department of Energy (US), Flash Forward Ventures, GeoEye Analytics, NRG Energy, Select Venture Partners Project Financing > B2C > Marketplace $18.91M Wunder (2013, Boulder) Financing for commercial solar PV systems Techstars, Fenway Summer, FinTech Collective Project Financing > P2P Marketplace $4.45M The Sun Exchange (2014, Cape Town) Peer to peer lending for solar energy projects Project Financing > P2P Marketplace Qufenqi (2014, Beijing) Online microloan / installment plan provider for e-commerce purchases Alipay, BlueRun Ventures, Kunlun, Kalends, Source Code Capital, ICH Group Purchase Financing $874M Fenqile (2013, Shenzen) Online microloan e-commerce JD.Com, Matrix Partners China, SS&C Technologies, Bertelsmann Asia Investment Fund Purchase Financing $345M Klarna (2005, Stockholm) Provides purchase financing and late payment options. Sequoia Capital, General Atlantic, Atomico, QED Investors, DST Global, Northzone, Lakestar, GP Bullhound, Oresund Investments Purchase Financing $289.79M Aixuedai (2012, Hangzhou) Online microloan / installment plan provider for e-commerce purchases Bank of Zhejiang Investment Fund Purchase Financing $88.62M Go to BM List >> Business Loans 96
  96. 96. Alternative Lending Report, September 2016 Consumer Loans (42/108) Company Overview Business Model Total Funding P Omni Prime (2014, Shanghai) Mobile based purchase finance solution Sequoia Capital, Morningside Ventures, Renren, Shunwei, China Renaissance Purchase Financing $65M SmartPay Lease (2009, San Francisco) Purchase Finance Investor Growth Capital Purchase Financing $37M Figtree Financing (2010, San Diego) PACE financing provider for property owners. Purchase Financing $30M Paidy (2008, Tokyo) Provides purchase finance and "pay later" options. 500 Startups, ITOCHU Corporation, Recruit Strategic Partners, Cyberagent Ventures, SIG, SIG China, Arbor Ventures, SBI Holdings, MS Capital, Cherubic Ventures, Eight Roads Ventures Purchase Financing $23.3M ZIPMONEY (2013, Sydney) Online payments and consumer finance lending for eCommerce and retail Victory Park Capital Purchase Financing $21.6M BorrowDay (2015, Beijing) Online platform to buy online goods primarily electronics on installments Purchase Financing $16M NewComLink (2008, Austin) Lending platform for PoS purchase financing. StarVest Partners, Austin Ventures Purchase financing $16M Blispay (2014, Baltimore) A mobile based credit product NEA, FirstMark Capital, Founder Collective, TriplePoint Capital, Maiden Lane, Accomplice Purchase Financing $14M Go to BM List >> Business Loans 97

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