新兴借贷平台Insikt向企业引入“贷款即服务”业务
借贷市场最近十分之热门，随着 Lending Club 准备进行首次公开募股，这个领域每天都有新进入者。
在新的竞争对手中有一个刚刚募集了1600万美元的公司，它的目的是让企业成为未来的贷款人并提供一个名为“贷款即服务”（LAAS）的平台。它就是Insikt。
这家总部位于旧金山的借贷公司提供的软件可以让企业为他们的消费者提供小额贷款，企业可以信任 Insikt 让它处理实际提供贷款的细节。这些企业覆盖了从零售商和商家到实体银行的不同类型，而他们往往受限于融资的狭小渠道。
最初几个月所有贷款都会存在于Insikt的资产负债表上，资金支持由 Capital One 和 Atalaya Capital Management 等来提供。在每个企业都有了自己的投资组合之后，该企业的投资将全部汇集到一起，作为债券发行给投资者。
这使企业能够将他们的投资多样化，同时让FICO信用分数较低（或是根本没有FICO评分）的消费者可以在企业销售点申请分期付款。
换句话说，Insikt是在打两边牌。该平台让投资者有机会为企业的贷款提供资金，而这又反过来提供了让消费者在销售点可以选择贷款的技术。
Revolution Ventures是 Insikt 1600万美元融资轮里的投资者，资金主要用于该公司的成长壮大，不过一些大型金融公司也向该公司提供了多达7000万美元的负债，为其贷款业务注入活力。
Insikt Introduces Lending As A Service For Brands
The lending space couldn’t be hotter, with folks like Lending Club set to IPO, and new entrants launching every day.
One of these new competitors just raised $16 million to let brands become the lenders of the future, offering a “Lending as a Service” (LaaS) platform. Meet Insikt.
The San Franciscobased lender will provide software that allows brands to offer small loans to their consumers, trusting Insikt to handle the meticulous details of actually providing the loans. These brands can range from retailers and merchants to actual banks, who are often limited to a small window of financing.
All loans are put on Insikt’s balance sheet for the first few months of their existence, powered by capital from Capital One and Atalaya Capital Management, among others. After each brand has its own portfolio, the entirety of that brand’s investments will be pooled together and issued as bonds to investors.
This allows them to diversify where their money is going, while allowing consumers with low FICO scores (or no FICO score at all) to get an installment plan application at the PoS.
In other words, Insikt is playing on both sides. The platform offers investors the opportunity to power loans for brands, which will in turn have technology that provides customers a lending option at PoS.
Revolution Ventures provided the capital for Insikt’s $16 million round of funding, dedicated to power growth for the company, but big financial firms have also provided upwards of $70 million in debt into the company to juice its lending business.
来源：techcrunch.cn
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