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ALTERNATIVE LENDING – India
Startup Landscape
July 2015
Deal Discovery Made Easy
Deal Discovery Made Easy
Tracxn!
Building the largest team of Analysts tracking startups globally for
Venture Capital Funds
Deal Discovery Made Easy
Scope of this report
INTERNET
MOBILE
SAAS
MARKETPLACES
ADTECH
EDTECH
FINTECH
HEALTHTECH
ENTERPRISE TECH
TECHNOLOGY
CROSS BORDER
PAYMENTS
MOBILE PAYMENTS
PERSONAL LOANS
BUSINESS LOANS
PERSONAL FINANCE
BANKING
INSURANCE
CROWDFUNDING
PUBLIC MARKETS INVESTING
B2C - MARKETPLACE
P2P LENDING
SME LENDING
SME LENDING -
MARKETPLACE
CREDIT ALTERNATIVES
TECH
Sectors we track (in India)
OFFLINE
AGRICULTURE
MEDIA & ENTERTAINMENT
FINANCE
Sectors covered in this report
Deal Discovery Made Easy
Alternative Lending - India : Overview
• ~$27M invested across alternative lending companies in just the last 18 months
• ~30 companies across P2P Lending & SME Lending verticals with more than half founded in just the
last 18 months
• Top funded sector: SME Lending (Capital Float ($16M), LendingKart ($9.5M), NeoGrowth ($4.6M))
• Investors: Sequoia Capital, Aspada Investments, SAIF Partners
• Industry Buzz
– “Capital Float, An Online Lending Platform For Indian Entrepreneurs, Scoops Up $13M From
Sequoia and SAIF” (TechCrunch, Feb 2015)
– “Vinod Khosla-led Khosla Impact invests in NBFC NeoGrowth Credit” (VCCircle, Apr 2015)
– “Online Lending Portal Faircent Raises $250K Funding” (iamWire, June 2015)
– “How peer-to-peer (P2P) lending platforms could fuel India’s growth” (YourStory, Apr 2015)
Deal Discovery Made Easy
FACTORING
Debtor finance in which business sells its accounts receivable (invoices)
to a third party (factor) at a discount
FundBox ($57.5M), ApexPeak ($1.8M)
Alternative Lending – US Funding Landscape
BUSINESS TO CUSTOMER LOANS
Loans for personal purposes from a lending business based on various
credit ratings
Avant Credit ($338M), ZestCash ($112M), Kreditech ($48M)
PEER TO PEER LOANS
P2P marketplace for personal loans
Lending Club ($392M), Prosper ($315M), Zopa ($58.3M)
MICROFINANCE
LendUp ($64M),
Kiva ($9M)
BITCOIN
BTCJam ($7.3M)
PAYMENT CREDIT LOANS
Allows credit-worthy Internet shoppers to skip lengthy checkouts, pays
online retailers on their behalf and then sends a bill
Affirm ($320M)
ASSET BACKED LOANS –
Borro ($152M)
EDUCATION –
SoFi ($361.2M)
EDUCATION –
People2Capital
($2.5M)
$1.6B
PERSONAL LOANS BUSINESS LOANS
$1.4B
Funding in sector
CROWDSOURCED LOANS – Lending from crowd to businesses which
are credit assessed and approved for lending
Funding Circle ($273.2M)
$290M
BUSINESS TO BUSINESS LOANS
Funding Circle ($273.2M), SoMoLend ($5.4M), Dealstruck ($9.5M)
MERCHANT CASH
ADVANCE LOANS
CAN Capital ($63M)
CASH FLOW LOANS
OnDeck ($179M),
Kabbage ($104M)
TERM LOANS
BondStreet ($10.8M)
$109M$130M
$600M
Deal Discovery Made Easy
Alternative Lending – India Market Map
Verticals implemented in India
BITCOIN
BTCJam ($1.2M)
EDUCATION –
SoFi ($161M)
EDUCATION –
People2Capital
($2.5M)
Funding in sector
BUSINESS TO CUSTOMER LOANS – MARKETPLACE
Loans for personal purposes from a lending business based
on various credit ratings
India Lends, Kountmoney
PEER TO PEER LOANS
P2P marketplace for personal loans
Faircent, LendenClub, LoanMeet
PERSONAL LOANS BUSINESS LOANS
BUSINESS TO BUSINESS LOANS
Loans for businesses from NBFCs
Capital Float, NeoGrowth, LendingKart
BUSINESS TO BUSINESS LOANS – MARKETPLACE
Marketplace connecting institutional lenders with businesses
needing finance
NamasteCredit, SMergers
$30M
CREDIT CARD ALTERNATIVES
Consumer lending platform for eCommerce purchases
CashCare, Simpl, NCash
$1.77M
Deal Discovery Made Easy
2
1
2
1
2
6
11
4
2008 2009 2010 2011 2012 2013 2014 2015
Alternative lending companies founded by year (2008 – 15)
No. of companies
Alternative Lending: A steady increase in
number of startups
NeoGrowth
founded
LendingKart founded
LendingKart - $9.5M
NeoGrowth - $1.6M
CapitalFloat - $3M
CapitalFloat - $13M
NeoGrowth -
Undisclosed
CapitalFloat
founded
Deal Discovery Made Easy
Lot of activity in Alternative Lending segment in
US
Would a similar trend follow in India?
• 60+ funded companies in Personal Loans vertical with a funding of $2.8B+; Average age of
companies being 2011
• SoFi – marketplace lending platform for student loan has given loans worth $3B in 3 years
• Begin of 2015 has seen venture capital commitments of $300M+ for Lending Tech startups in US
• LendingClub, pioneer in P2P lending space went IPO in 2014. Current MCap: $5.68B
– LendingClub originated $6B+ in loans since its founding in 2006
• OnDeck which focuses on SME loans has processed 4M+ loans since its inception in 2007 for a net
value above $2 billion (clocking year-to-year growth of 150%+ for the loans amounted in 2013 &
2014)
Traction in the key Indian startups in this space
• CapitalFloat has provided $6M+ in loans to small businesses
• NeoGrowth’s clients primarily include retailers and restaurants besides eCommerce sellers and has
given out 1500+ loans till date
• LendingKart has completed 200+ transactions in a span of 9 months and lends between INR 6-8
lakhs to companies engaged in eCommerce marketplaces
Deal Discovery Made Easy
Personal
Loans – B2C
Personal
Loans – P2P
Personal Loans -
Microfinance
Credit Card
Alternatives
SME
Loans
SME Loans -
Marketplace
ALTERNATIVE LENDING COMPANY
LIST
DETAILS 29 COMPANIES (7 FUNDED AND 22 UNFUNDED)
COVERS THE FOLLOWING SECTORS
Deal Discovery Made Easy
Company Details Funding Investors
B2C Marketplace
Kountmoney [Bangalore, 2015]: KountMoney is a platform which matches investors with credible salaried
borrowers in India. Borrowers are certified by the company through tie-ups with credit rating agencies and loan
recovery agencies. Claims to get investors higher returns and borrowers lesser rates than credit cards. Yet to
be launched.
B2C Marketplace
IndiaLends [Delhi, 2014]: Online platform connecting borrowers and institutional lenders for low rate loans. It
uses a proprietary algorithm that aggregates information from a large number of data sources like the credit
bureau, the application form, social networks. Also provides value-add services such as big-data analytics,
credit risk assessment and verification and automated work-flows for loan origination and management.
Founding team comprises of IIT and London Business School alumni.
Undisclosed DSG Consumer Partners
B2C
InstaKash [Bangalore, 2014]: Building a genetic algorithm to connect lenders and borrowers based on social
profiles, professional profiles and debit/credit spending data. The company is yet to launch its product.
Personal
Loans – B2C
Personal
Loans – P2P
SME Loans
Global Comparable
Avant Credit - $104M
Zest Cash - $92M
Personal Loans – B2C (1/1)
Deal Discovery Made Easy
Personal Loans - P2P (1/3)
Company Details Funding Investors
P2P
Faircent [Gurgaon, 2013]: Faircent offers a P2P lending platform that serves as a marketplace for borrowers and
lenders to interact directly. Users who register on the platform to become a lender/borrower undergo a detailed
verification process post which borrowers can post their requirements for loans along with details of reason for the
money, loan period and target interest rate. Lenders can individually make offers to borrowers, which the borrower
can accept or refuse. Raised capital round led by couple of investors from the micro finance industry in Jan 2015.
Will be soon launching a mobile app along with an investor education initiative. Raised Pre-Series A funding from
M S Partners in June, 2015 which valued the company at $8M.
$0.3M
Fusion Microfinance, M&S Capital
Partners
P2P
iLend [Hyderabad, 2012]: i-lend.in is an online marketplace launched by Dipamkara Web Ventures Private
Limited that brings together creditworthy borrowers and individual lenders for a personal loan transaction without
the intervention of traditional financial institutions like banks. Borrowers can apply for small loans between Rs.25k
- Rs.1L for 6 Months or 12 month period. The interest rates vary between 12% - 24%, much lower than financial
institutions. i-lend also minimizes the lender risk by allowing a lender to lend only a part of a borrower’s loan
requirement and involve multiple lenders. Raised $117k from Singapore-based Angaros Capital.
$117k Angaros Capital
P2P
MutualLoans [Mumbai, 2012]: MutualLoans is a P2P lending platform where individuals can interact to lend and
borrow money without any financial intermediaries. The platform enables lenders get a better rate of return and for
borrowers to get loans at a lower rate. The platform offers a loan calculator to decide on the loan amount, interest
rate, term and repayment type that fits user's plan. The dashboard showcases the terms of the loan such as total
amount to repay, interest repaid, payment schedule and the installment amounts. Also allows users to invite
friends and relatives through social networks.
P2P
LendenClub [Mumbai, 2014]: Lendenclub is an online marketplace which allows borrowers to get loans from
individual lenders. Lenders can view the credit rating of the borrowers and decide about lending money to them.
Also offers a lender protection fund for lenders.
P2P
Easy Rupiya [Delhi, 2014]: Easyrupiya is an online marketplace connecting lenders and borrowers. Registered
lenders can views the financial details of borrowers and decide whether to lend money or not. Funds are then
transferred to the borrower and repayments are made through post-dated cheques. Plans to makes fund transfer
online in the future.
Personal
Loans – B2C
Personal
Loans – P2P
SME Loans
Global Comparable
Lending Club - $392M
Prosper - $190M
Zopa - $58.3M
Deal Discovery Made Easy
Personal Loans - P2P (2/3)
Company Details Funding Investors
P2P
LoanMeet [Bangalore, 2015]: Web platform for P2P lending for both personal and business loans. Benefits to
lenders include loan documentation, payment schedule with reminders. Founded by an IIT Bombay graduate.
P2P
Lending Chaupal [Bangalore, 2015]: Plans to offer an online marketplace for lenders and borrowers. Claims to
provide loans at lower interest rate and higher than savings account. Yet to be launched. Founder is IIT KGP and
Darden Business School alum.
P2P
Slab [Hyderabad, 2014]: Developing a peer-peer social lending and borrowing platform as an alternative to
traditional loans and investing options. Allows for borrowing INR 25k - 150k for a span of 1-3 years. Legal
documentation, amount disbursement, EMI processing are among the offerings of the company.
P2P
Vote4Cash [Hyderabad, 2014]: P2P marketplace that enables users to lend and borrow cash loans for a pre-set
amount of time and interest on the loan amount. Users can get short term loans (1-30 day tenure) for debt
consolidation, travel expenses, medical emergencies, home improvement etc, based on their profiles on online
social networks. Offers several types of memberships such as Silver, Gold and Platinum with loam amount limits
ranging from INR 20000 - 50000.
Social
We Care India [Gulbarga, 2011]: WecareIndia is an online platform which allows registered lenders to lend
money to poor people. Borrowers return the money and the lenders get an interest on their investment based on
the repayment schedule of the borrower.
Personal
Loans – B2C
Personal
Loans – P2P
SME Loans
Deal Discovery Made Easy
Personal Loans - P2P (3/3)
Company Details Funding Investors
P2P
GoodMoney [Bangalore, 2015]: Goodmoney is an online platform for registered borrowers to connect with
qualified lenders. Borrowers create a profile(employment details, salary, credit rating) on the platform, pay a
registration fees and specify their loan requirement. Lenders get access to the profiles and provide loans.
Borrowers profiles are physically verified by the company. Charges a one-time registration fee and 1.5% of the
loan amount at the time of disbursement.
Microfinance
Micrograam [Bangalore, 2009]: Online P2P micro-loans lending marketplace platform. Lenders can browse
through the profiles of various borrower profiles and lend amount at a set interest rate return. The borrowers
mainly comprise of rural population such as farmers and local store businesses who are low income borrowers.
The lender will get quarterly repayments into the ‘My MicroGraam’ account. On the supply side, the company's
model includes partnering with individuals, foundations and financial institutions. Claims of 100% repayment rate
till date.
Microfinance
Rang De[Bangalore, 2008]: Rang De is a non-profit organisation that allows individuals to lend money to Indians
from low income households that require a small amount of money (microloans) to start or grow a business.
Money can be lent in the form of a social investment through Rang De's on line portal. Rang De disburses loans
to its borrowers through its field partners (usually NGOs) across India. Social investments will be repaid with
interest at the end of a loan tenure (typically one or two years).
Microfinance
Milaap [Bangalore, 2010]: Milaap is an online fundraising platform that enables people around the world to fund
and impact communities in need of basic facilities in India. Milaap is the world's first online microlending platform
that enables non-Indians, non-resident Indians (NRIs) to make a loan to India. The loans are given out to
borrowers at interest rates of 12-18%(50% lower than existing interest rates available to microcredit borrowers.)
After the loan has been repaid, it will be returned to lenders as Milaap credits which they can either withdraw or
re-lend to other borrowers.
$1.35M
First Light Ventures, Unitus Seed
Fund, Jungle Ventures, LionRock
Capital
Personal
Loans – B2C
Personal
Loans – P2P
SME Loans
Deal Discovery Made Easy
Personal Loans – Credit Card Alternatives(1/1)
Company Details Funding Investors
Credit
CashCare [Mumbai, 2014]: Credit lending platform for consumers to enable them make eCommerce purchases
and pay for purchases over 6 month EMIs. Users can choose CashCare interest free EMI as their payment option
on the eCommerce portal, get approved, provide verification documents to initiate the EMI based payment.
Currently has partnered with FabFurnish.
Credit
Simpl [Mumbai, 2014]: Simpl is a credit based payments startup. Payments can be made by consumers with the
partnered merchants using phone number and a pin for a faster checkout. Employs fraud detection algorithms and
notifies via SMS every time a purchase is made. Offers interest free credit for a time frame of 14-45 days. Helps
track purchases, upcoming payments and account activity. Merchants can partner with Simpl to enable their
consumers to pay for purchases through Simpl mobile app.
Credit
NCash [Gurgaon, 2013]: Developing an alternative payments instrument for consumers and offline merchant
stores. Enables a cycle of free and instant payments. The product is yet to be launched.
Personal
Loans – B2C
Personal
Loans – Credit
SME Loans
Affirm - $320M
Fenqile - $110M
Paidy - $10.8M
Global Comparable
Deal Discovery Made Easy
SME Loans (1/1)
Company Details Funding Investors
Capital Float [Bangalore, 2013]: Capital Float is a digital finance company providing working capital loans for
small businesses and start-ups in India. The company has created a proprietary technology platform to evaluate
the financial health of SMEs. Provides loans ranging from Rs. 3-30 lac at interest rates starting from 16%.
Borrowers need not pledge property but loans are offered on the basis of cash flows, customer relationships and
expected receivables. Borrowers can apply online and the sanctioned funds are received within 7 days. Stanford
University founding team.
$16M
Aspada Investments, SAIF
Partners, Sequoia Capital
Lendingkart [Ahmedabad, 2014]: Lendingkart is a web platform that enables SMEs to apply for working capital
to tackle their business growth. The company uses client’s cash-flow, credit history and customer experiences to
evaluate the business. Customers can select the amount they need and for the amount of duration to get the
amount of repayment required. The company charges 1% one-time fees for setting up their line of credit in the
system, which is payable only if the customer avails the credit facility. Funds offered range from INR 1 lakh - INR
50 lakh. Raised $9.5 M ($7 M in equity and $2.5 M in debt) since its inception in April 2014. Reportedly in talks
with large fund houses to raise $25 million by June/July 2015.
$9.5M
NeoGrowth [Mumbai, 2010]: NeoGrowth Credit is a non-deposit taking NBFC that is involved in the merchant
cash advance business. Neogrowth extends short term working capital and inventory loans to small merchants in
India against future sales from credit and debit cards on its POS. Its flagship product is NeoCash, an online
lending financing option for businesses with no-fixed EMI model and a flexi-repayment scheme. The firm extends
financing if a substantial portion of borrowers’ sales happens on the PoS machine.
$4.6M
Omidyar Network, Aspada
Investments, Khosla Impact
Personal
Loans – B2C
Personal
Loans – P2P
SME Loans
OnDeck - $179M
CAN Capital - $63M
Kabbage - $103.65M
Global Comparable
Deal Discovery Made Easy
SME Loans - Marketplace (1/2)
Company Details Funding Investors
Marketplace
Dhanax [Bangalore, 2008]: Dhanax Financial Services Pvt Ltd is a digital finance services company is building
an online money lending marketplace allowing lenders and borrowers to interact on the platform and make
transactions. Was started in 2007 ad an online foreign exchange site, and pivoted to the current model in 2014.
Has offices in Bangalore and Mumbai and currently hiring people for Bangalore as of Oct 2014. The company is
yet to launch its platform and services as of Oct 2014.
Marketplace
Finance Factory [Ahmedabad, 2013]: Online portal that provides consulting to MSMEs and SMEs for loan
financing options and subsidy related loans. Has partnered with SIDBI, banks and financial institutions. Also
provides doorstep services and documentation services.
Marketplace
Namaste Credit [Bangalore, 2014]: Online maketplace for business loans which matches funding needs of
businesses with lenders. The platform helps with rating the business and submitting the required information and
paperwork to multiple lenders in order to get approval for then needed capital. Also offers a customizable
financing program for businesses with less than perfect credit score. Uses its risk scoring algorithm to match
borrowers to financial in a secure environment.
Marketplace
Mandii [Bangalore, 2013]: Online marketplace for SME lending connecting enterprises looking for financing and
investors looking to earn higher short-term yields with lesser risk. Borrowers can sign up, upload payment pending
invoices or post date instruments of their customers, select from among the best bids available and receive funds.
Investors can view invoices/PDIs from companies along with credit profiles to post their bids against them. Post
the tenure, investors can get the funds directly to their account. The company receives a brokerage fee from both
the parties once the trade is settled. Service of Flint Ventures LLP.
Marketplace
SMEcorner [Mumbai, 2014]: SMEcorner is an online platform that enables SMEs to avail of loans from banks
and NBFCs. Users can select the type of loan on the platform and fill out the application form post which
documents are picked up by the company which are sent out to banks. Users can track their application on the
platform.
Personal
Loans – B2C
Personal
Loans – P2P
SME Loans
Global Comparable
Lendio - $31M
Apple Pie Capital -
$9.8M
Funding Circle -
$273.2M
Deal Discovery Made Easy
SME Loans - Marketplace (2/2)
Company Details Funding Investors
Marketplace
SMergers [Bangalore, 2013]: SMergers is a SME focused Mergers Acquisitions (MA) firm. SMergers provides
services in MA, Venture Capital and Private Equity fund raising to SMEs, family owned businesses and startups.
SMergers' proprietary technology platform helps connect companies with strategic partners and financial
investors. It also provides add-on services such as business valuation, information memorandum preparation,
business plan preparation and legal documentation.
Personal
Loans – B2C
Personal
Loans – P2P
SME Loans
Deal Discovery Made Easy
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Deal Discovery Made Easy
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Founded by ex-VCs, we are building the largest team of Analysts for tracking
startups by Markets & Sectors
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Deal Discovery Made Easy
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Tracxn!
Deal Discovery Made Easy
Founders
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IIT Bombay, Stanford GSB,
BCG, Sequoia Capital Abhishek Goyal
IIT Kanpur, Yahoo, Amazon,
Accel Partners

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Tracxn Alternative Lending Landscape - India - July 2015

  • 1. ALTERNATIVE LENDING – India Startup Landscape July 2015 Deal Discovery Made Easy
  • 2. Deal Discovery Made Easy Tracxn! Building the largest team of Analysts tracking startups globally for Venture Capital Funds
  • 3. Deal Discovery Made Easy Scope of this report INTERNET MOBILE SAAS MARKETPLACES ADTECH EDTECH FINTECH HEALTHTECH ENTERPRISE TECH TECHNOLOGY CROSS BORDER PAYMENTS MOBILE PAYMENTS PERSONAL LOANS BUSINESS LOANS PERSONAL FINANCE BANKING INSURANCE CROWDFUNDING PUBLIC MARKETS INVESTING B2C - MARKETPLACE P2P LENDING SME LENDING SME LENDING - MARKETPLACE CREDIT ALTERNATIVES TECH Sectors we track (in India) OFFLINE AGRICULTURE MEDIA & ENTERTAINMENT FINANCE Sectors covered in this report
  • 4. Deal Discovery Made Easy Alternative Lending - India : Overview • ~$27M invested across alternative lending companies in just the last 18 months • ~30 companies across P2P Lending & SME Lending verticals with more than half founded in just the last 18 months • Top funded sector: SME Lending (Capital Float ($16M), LendingKart ($9.5M), NeoGrowth ($4.6M)) • Investors: Sequoia Capital, Aspada Investments, SAIF Partners • Industry Buzz – “Capital Float, An Online Lending Platform For Indian Entrepreneurs, Scoops Up $13M From Sequoia and SAIF” (TechCrunch, Feb 2015) – “Vinod Khosla-led Khosla Impact invests in NBFC NeoGrowth Credit” (VCCircle, Apr 2015) – “Online Lending Portal Faircent Raises $250K Funding” (iamWire, June 2015) – “How peer-to-peer (P2P) lending platforms could fuel India’s growth” (YourStory, Apr 2015)
  • 5. Deal Discovery Made Easy FACTORING Debtor finance in which business sells its accounts receivable (invoices) to a third party (factor) at a discount FundBox ($57.5M), ApexPeak ($1.8M) Alternative Lending – US Funding Landscape BUSINESS TO CUSTOMER LOANS Loans for personal purposes from a lending business based on various credit ratings Avant Credit ($338M), ZestCash ($112M), Kreditech ($48M) PEER TO PEER LOANS P2P marketplace for personal loans Lending Club ($392M), Prosper ($315M), Zopa ($58.3M) MICROFINANCE LendUp ($64M), Kiva ($9M) BITCOIN BTCJam ($7.3M) PAYMENT CREDIT LOANS Allows credit-worthy Internet shoppers to skip lengthy checkouts, pays online retailers on their behalf and then sends a bill Affirm ($320M) ASSET BACKED LOANS – Borro ($152M) EDUCATION – SoFi ($361.2M) EDUCATION – People2Capital ($2.5M) $1.6B PERSONAL LOANS BUSINESS LOANS $1.4B Funding in sector CROWDSOURCED LOANS – Lending from crowd to businesses which are credit assessed and approved for lending Funding Circle ($273.2M) $290M BUSINESS TO BUSINESS LOANS Funding Circle ($273.2M), SoMoLend ($5.4M), Dealstruck ($9.5M) MERCHANT CASH ADVANCE LOANS CAN Capital ($63M) CASH FLOW LOANS OnDeck ($179M), Kabbage ($104M) TERM LOANS BondStreet ($10.8M) $109M$130M $600M
  • 6. Deal Discovery Made Easy Alternative Lending – India Market Map Verticals implemented in India BITCOIN BTCJam ($1.2M) EDUCATION – SoFi ($161M) EDUCATION – People2Capital ($2.5M) Funding in sector BUSINESS TO CUSTOMER LOANS – MARKETPLACE Loans for personal purposes from a lending business based on various credit ratings India Lends, Kountmoney PEER TO PEER LOANS P2P marketplace for personal loans Faircent, LendenClub, LoanMeet PERSONAL LOANS BUSINESS LOANS BUSINESS TO BUSINESS LOANS Loans for businesses from NBFCs Capital Float, NeoGrowth, LendingKart BUSINESS TO BUSINESS LOANS – MARKETPLACE Marketplace connecting institutional lenders with businesses needing finance NamasteCredit, SMergers $30M CREDIT CARD ALTERNATIVES Consumer lending platform for eCommerce purchases CashCare, Simpl, NCash $1.77M
  • 7. Deal Discovery Made Easy 2 1 2 1 2 6 11 4 2008 2009 2010 2011 2012 2013 2014 2015 Alternative lending companies founded by year (2008 – 15) No. of companies Alternative Lending: A steady increase in number of startups NeoGrowth founded LendingKart founded LendingKart - $9.5M NeoGrowth - $1.6M CapitalFloat - $3M CapitalFloat - $13M NeoGrowth - Undisclosed CapitalFloat founded
  • 8. Deal Discovery Made Easy Lot of activity in Alternative Lending segment in US Would a similar trend follow in India? • 60+ funded companies in Personal Loans vertical with a funding of $2.8B+; Average age of companies being 2011 • SoFi – marketplace lending platform for student loan has given loans worth $3B in 3 years • Begin of 2015 has seen venture capital commitments of $300M+ for Lending Tech startups in US • LendingClub, pioneer in P2P lending space went IPO in 2014. Current MCap: $5.68B – LendingClub originated $6B+ in loans since its founding in 2006 • OnDeck which focuses on SME loans has processed 4M+ loans since its inception in 2007 for a net value above $2 billion (clocking year-to-year growth of 150%+ for the loans amounted in 2013 & 2014) Traction in the key Indian startups in this space • CapitalFloat has provided $6M+ in loans to small businesses • NeoGrowth’s clients primarily include retailers and restaurants besides eCommerce sellers and has given out 1500+ loans till date • LendingKart has completed 200+ transactions in a span of 9 months and lends between INR 6-8 lakhs to companies engaged in eCommerce marketplaces
  • 9. Deal Discovery Made Easy Personal Loans – B2C Personal Loans – P2P Personal Loans - Microfinance Credit Card Alternatives SME Loans SME Loans - Marketplace ALTERNATIVE LENDING COMPANY LIST DETAILS 29 COMPANIES (7 FUNDED AND 22 UNFUNDED) COVERS THE FOLLOWING SECTORS
  • 10. Deal Discovery Made Easy Company Details Funding Investors B2C Marketplace Kountmoney [Bangalore, 2015]: KountMoney is a platform which matches investors with credible salaried borrowers in India. Borrowers are certified by the company through tie-ups with credit rating agencies and loan recovery agencies. Claims to get investors higher returns and borrowers lesser rates than credit cards. Yet to be launched. B2C Marketplace IndiaLends [Delhi, 2014]: Online platform connecting borrowers and institutional lenders for low rate loans. It uses a proprietary algorithm that aggregates information from a large number of data sources like the credit bureau, the application form, social networks. Also provides value-add services such as big-data analytics, credit risk assessment and verification and automated work-flows for loan origination and management. Founding team comprises of IIT and London Business School alumni. Undisclosed DSG Consumer Partners B2C InstaKash [Bangalore, 2014]: Building a genetic algorithm to connect lenders and borrowers based on social profiles, professional profiles and debit/credit spending data. The company is yet to launch its product. Personal Loans – B2C Personal Loans – P2P SME Loans Global Comparable Avant Credit - $104M Zest Cash - $92M Personal Loans – B2C (1/1)
  • 11. Deal Discovery Made Easy Personal Loans - P2P (1/3) Company Details Funding Investors P2P Faircent [Gurgaon, 2013]: Faircent offers a P2P lending platform that serves as a marketplace for borrowers and lenders to interact directly. Users who register on the platform to become a lender/borrower undergo a detailed verification process post which borrowers can post their requirements for loans along with details of reason for the money, loan period and target interest rate. Lenders can individually make offers to borrowers, which the borrower can accept or refuse. Raised capital round led by couple of investors from the micro finance industry in Jan 2015. Will be soon launching a mobile app along with an investor education initiative. Raised Pre-Series A funding from M S Partners in June, 2015 which valued the company at $8M. $0.3M Fusion Microfinance, M&S Capital Partners P2P iLend [Hyderabad, 2012]: i-lend.in is an online marketplace launched by Dipamkara Web Ventures Private Limited that brings together creditworthy borrowers and individual lenders for a personal loan transaction without the intervention of traditional financial institutions like banks. Borrowers can apply for small loans between Rs.25k - Rs.1L for 6 Months or 12 month period. The interest rates vary between 12% - 24%, much lower than financial institutions. i-lend also minimizes the lender risk by allowing a lender to lend only a part of a borrower’s loan requirement and involve multiple lenders. Raised $117k from Singapore-based Angaros Capital. $117k Angaros Capital P2P MutualLoans [Mumbai, 2012]: MutualLoans is a P2P lending platform where individuals can interact to lend and borrow money without any financial intermediaries. The platform enables lenders get a better rate of return and for borrowers to get loans at a lower rate. The platform offers a loan calculator to decide on the loan amount, interest rate, term and repayment type that fits user's plan. The dashboard showcases the terms of the loan such as total amount to repay, interest repaid, payment schedule and the installment amounts. Also allows users to invite friends and relatives through social networks. P2P LendenClub [Mumbai, 2014]: Lendenclub is an online marketplace which allows borrowers to get loans from individual lenders. Lenders can view the credit rating of the borrowers and decide about lending money to them. Also offers a lender protection fund for lenders. P2P Easy Rupiya [Delhi, 2014]: Easyrupiya is an online marketplace connecting lenders and borrowers. Registered lenders can views the financial details of borrowers and decide whether to lend money or not. Funds are then transferred to the borrower and repayments are made through post-dated cheques. Plans to makes fund transfer online in the future. Personal Loans – B2C Personal Loans – P2P SME Loans Global Comparable Lending Club - $392M Prosper - $190M Zopa - $58.3M
  • 12. Deal Discovery Made Easy Personal Loans - P2P (2/3) Company Details Funding Investors P2P LoanMeet [Bangalore, 2015]: Web platform for P2P lending for both personal and business loans. Benefits to lenders include loan documentation, payment schedule with reminders. Founded by an IIT Bombay graduate. P2P Lending Chaupal [Bangalore, 2015]: Plans to offer an online marketplace for lenders and borrowers. Claims to provide loans at lower interest rate and higher than savings account. Yet to be launched. Founder is IIT KGP and Darden Business School alum. P2P Slab [Hyderabad, 2014]: Developing a peer-peer social lending and borrowing platform as an alternative to traditional loans and investing options. Allows for borrowing INR 25k - 150k for a span of 1-3 years. Legal documentation, amount disbursement, EMI processing are among the offerings of the company. P2P Vote4Cash [Hyderabad, 2014]: P2P marketplace that enables users to lend and borrow cash loans for a pre-set amount of time and interest on the loan amount. Users can get short term loans (1-30 day tenure) for debt consolidation, travel expenses, medical emergencies, home improvement etc, based on their profiles on online social networks. Offers several types of memberships such as Silver, Gold and Platinum with loam amount limits ranging from INR 20000 - 50000. Social We Care India [Gulbarga, 2011]: WecareIndia is an online platform which allows registered lenders to lend money to poor people. Borrowers return the money and the lenders get an interest on their investment based on the repayment schedule of the borrower. Personal Loans – B2C Personal Loans – P2P SME Loans
  • 13. Deal Discovery Made Easy Personal Loans - P2P (3/3) Company Details Funding Investors P2P GoodMoney [Bangalore, 2015]: Goodmoney is an online platform for registered borrowers to connect with qualified lenders. Borrowers create a profile(employment details, salary, credit rating) on the platform, pay a registration fees and specify their loan requirement. Lenders get access to the profiles and provide loans. Borrowers profiles are physically verified by the company. Charges a one-time registration fee and 1.5% of the loan amount at the time of disbursement. Microfinance Micrograam [Bangalore, 2009]: Online P2P micro-loans lending marketplace platform. Lenders can browse through the profiles of various borrower profiles and lend amount at a set interest rate return. The borrowers mainly comprise of rural population such as farmers and local store businesses who are low income borrowers. The lender will get quarterly repayments into the ‘My MicroGraam’ account. On the supply side, the company's model includes partnering with individuals, foundations and financial institutions. Claims of 100% repayment rate till date. Microfinance Rang De[Bangalore, 2008]: Rang De is a non-profit organisation that allows individuals to lend money to Indians from low income households that require a small amount of money (microloans) to start or grow a business. Money can be lent in the form of a social investment through Rang De's on line portal. Rang De disburses loans to its borrowers through its field partners (usually NGOs) across India. Social investments will be repaid with interest at the end of a loan tenure (typically one or two years). Microfinance Milaap [Bangalore, 2010]: Milaap is an online fundraising platform that enables people around the world to fund and impact communities in need of basic facilities in India. Milaap is the world's first online microlending platform that enables non-Indians, non-resident Indians (NRIs) to make a loan to India. The loans are given out to borrowers at interest rates of 12-18%(50% lower than existing interest rates available to microcredit borrowers.) After the loan has been repaid, it will be returned to lenders as Milaap credits which they can either withdraw or re-lend to other borrowers. $1.35M First Light Ventures, Unitus Seed Fund, Jungle Ventures, LionRock Capital Personal Loans – B2C Personal Loans – P2P SME Loans
  • 14. Deal Discovery Made Easy Personal Loans – Credit Card Alternatives(1/1) Company Details Funding Investors Credit CashCare [Mumbai, 2014]: Credit lending platform for consumers to enable them make eCommerce purchases and pay for purchases over 6 month EMIs. Users can choose CashCare interest free EMI as their payment option on the eCommerce portal, get approved, provide verification documents to initiate the EMI based payment. Currently has partnered with FabFurnish. Credit Simpl [Mumbai, 2014]: Simpl is a credit based payments startup. Payments can be made by consumers with the partnered merchants using phone number and a pin for a faster checkout. Employs fraud detection algorithms and notifies via SMS every time a purchase is made. Offers interest free credit for a time frame of 14-45 days. Helps track purchases, upcoming payments and account activity. Merchants can partner with Simpl to enable their consumers to pay for purchases through Simpl mobile app. Credit NCash [Gurgaon, 2013]: Developing an alternative payments instrument for consumers and offline merchant stores. Enables a cycle of free and instant payments. The product is yet to be launched. Personal Loans – B2C Personal Loans – Credit SME Loans Affirm - $320M Fenqile - $110M Paidy - $10.8M Global Comparable
  • 15. Deal Discovery Made Easy SME Loans (1/1) Company Details Funding Investors Capital Float [Bangalore, 2013]: Capital Float is a digital finance company providing working capital loans for small businesses and start-ups in India. The company has created a proprietary technology platform to evaluate the financial health of SMEs. Provides loans ranging from Rs. 3-30 lac at interest rates starting from 16%. Borrowers need not pledge property but loans are offered on the basis of cash flows, customer relationships and expected receivables. Borrowers can apply online and the sanctioned funds are received within 7 days. Stanford University founding team. $16M Aspada Investments, SAIF Partners, Sequoia Capital Lendingkart [Ahmedabad, 2014]: Lendingkart is a web platform that enables SMEs to apply for working capital to tackle their business growth. The company uses client’s cash-flow, credit history and customer experiences to evaluate the business. Customers can select the amount they need and for the amount of duration to get the amount of repayment required. The company charges 1% one-time fees for setting up their line of credit in the system, which is payable only if the customer avails the credit facility. Funds offered range from INR 1 lakh - INR 50 lakh. Raised $9.5 M ($7 M in equity and $2.5 M in debt) since its inception in April 2014. Reportedly in talks with large fund houses to raise $25 million by June/July 2015. $9.5M NeoGrowth [Mumbai, 2010]: NeoGrowth Credit is a non-deposit taking NBFC that is involved in the merchant cash advance business. Neogrowth extends short term working capital and inventory loans to small merchants in India against future sales from credit and debit cards on its POS. Its flagship product is NeoCash, an online lending financing option for businesses with no-fixed EMI model and a flexi-repayment scheme. The firm extends financing if a substantial portion of borrowers’ sales happens on the PoS machine. $4.6M Omidyar Network, Aspada Investments, Khosla Impact Personal Loans – B2C Personal Loans – P2P SME Loans OnDeck - $179M CAN Capital - $63M Kabbage - $103.65M Global Comparable
  • 16. Deal Discovery Made Easy SME Loans - Marketplace (1/2) Company Details Funding Investors Marketplace Dhanax [Bangalore, 2008]: Dhanax Financial Services Pvt Ltd is a digital finance services company is building an online money lending marketplace allowing lenders and borrowers to interact on the platform and make transactions. Was started in 2007 ad an online foreign exchange site, and pivoted to the current model in 2014. Has offices in Bangalore and Mumbai and currently hiring people for Bangalore as of Oct 2014. The company is yet to launch its platform and services as of Oct 2014. Marketplace Finance Factory [Ahmedabad, 2013]: Online portal that provides consulting to MSMEs and SMEs for loan financing options and subsidy related loans. Has partnered with SIDBI, banks and financial institutions. Also provides doorstep services and documentation services. Marketplace Namaste Credit [Bangalore, 2014]: Online maketplace for business loans which matches funding needs of businesses with lenders. The platform helps with rating the business and submitting the required information and paperwork to multiple lenders in order to get approval for then needed capital. Also offers a customizable financing program for businesses with less than perfect credit score. Uses its risk scoring algorithm to match borrowers to financial in a secure environment. Marketplace Mandii [Bangalore, 2013]: Online marketplace for SME lending connecting enterprises looking for financing and investors looking to earn higher short-term yields with lesser risk. Borrowers can sign up, upload payment pending invoices or post date instruments of their customers, select from among the best bids available and receive funds. Investors can view invoices/PDIs from companies along with credit profiles to post their bids against them. Post the tenure, investors can get the funds directly to their account. The company receives a brokerage fee from both the parties once the trade is settled. Service of Flint Ventures LLP. Marketplace SMEcorner [Mumbai, 2014]: SMEcorner is an online platform that enables SMEs to avail of loans from banks and NBFCs. Users can select the type of loan on the platform and fill out the application form post which documents are picked up by the company which are sent out to banks. Users can track their application on the platform. Personal Loans – B2C Personal Loans – P2P SME Loans Global Comparable Lendio - $31M Apple Pie Capital - $9.8M Funding Circle - $273.2M
  • 17. Deal Discovery Made Easy SME Loans - Marketplace (2/2) Company Details Funding Investors Marketplace SMergers [Bangalore, 2013]: SMergers is a SME focused Mergers Acquisitions (MA) firm. SMergers provides services in MA, Venture Capital and Private Equity fund raising to SMEs, family owned businesses and startups. SMergers' proprietary technology platform helps connect companies with strategic partners and financial investors. It also provides add-on services such as business valuation, information memorandum preparation, business plan preparation and legal documentation. Personal Loans – B2C Personal Loans – P2P SME Loans
  • 18. Deal Discovery Made Easy Liked our coverage of this sector? Buy Tracxn subscription today to get deep coverage across 50+ sectors. Write to us at uday.sinha@tracxn.com and learn how some of the largest Venture Funds are leveraging Tracxn everyday.
  • 19. Deal Discovery Made Easy Tracxn is like Gartner for Startup Information Founded by ex-VCs, we are building the largest team of Analysts for tracking startups by Markets & Sectors Who are we?
  • 20. Deal Discovery Made Easy How do investors leverage Tracxn? • Curated startups profiles • Key highlights of each company • Team background and contact details • Comprehensive landscape across investable themes • Sector such as FoodTech, Internet of Things, Enterprise Security and many more • See startups by themes, sub-segments or stage • On-demand support on deal-diligence for companies under active evaluation • Quick turn-around of 1-2 weeks • Detailed local and global competitor mapping Deal Discovery and Outreach Comprehensive Sector Landscape On-demand Deal Diligence Support
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  • 22. Deal Discovery Made Easy Founders Neha Singh IIT Bombay, Stanford GSB, BCG, Sequoia Capital Abhishek Goyal IIT Kanpur, Yahoo, Amazon, Accel Partners

Editor's Notes

  1. http://www.economist.com/news/leaders/21573104-internet-everything-hire-rise-sharing-economy
  2. http://www.economist.com/news/leaders/21573104-internet-everything-hire-rise-sharing-economy
  3. http://www.economist.com/news/leaders/21573104-internet-everything-hire-rise-sharing-economy