2023年6月13日

香蒜沙司最近宣布推出其第一款產品香蒜沙司萬事達大陸銀行,出具第一信用卡使客戶能夠使用貴重物品安全的信用卡作為擔保。複數,Activant資本在香蒜沙司和其他投資1100萬美元建立一個解決方案為美國人提供了一個途徑來重建或建立信用較低的利率。消費者把香蒜沙司其資產和他們提供的信用卡是基於價值,無論信用評分。隨著時間的推移,持卡人往往不符合一個無抵押信用卡能夠增加他們的信用評分,最終獲得一個。香蒜沙司萬事達提供類似於現有的信用卡利率,這遠遠低於典當和發薪日貸款的客戶通常支付。美國當鋪生成市場已經接近2019年92億美元的利息收入。,目前超過600萬美國非銀行用戶依賴高息貸款提供現金和流動性,平均利率超過120%。加香蒜沙司成立於2020年為美國人提供一個解決方案,提供了一個途徑來重建或建立信用較低的利率。Savoldelli創立了公司在研究金融包容和消費者提供一些選項如何利用典當行重複借貸,而不僅僅是緊急情況。他花時間在一個當鋪了解行業第一手,導致他的想法資產支持信用卡。 Pesto plans to use the funding to expand its customer base across the US, with an initial focus on Atlanta and Los Angeles. And the company has raised funding from notable investors, including; Activant Capital, Plural, Sozo Ventures, Commerce Ventures, NJF Capital, Soma Capital, NOMO Ventures, Commerce Ventures, Human Capital, OVO Fund, OEL Ventures, Core Innovation Capital, Great Oaks VC, and Y Combinator. KEY QUOTES: “Our first product, Pesto Mastercard, offers interest rates at only a fraction of today’s alternatives, often 90% less than many equivalent pawn loans. It’s a paradigm shift in the credit card market, with the potential to truly democratize credit. Pesto is on a mission to help all Americans find an alternative to high interest rate loans by providing a straightforward way to secure liquidity and build credit through their assets without having to sell them.” — James Savoldelli, founder and CEO of Pesto “Existing loan products don’t do enough to help these consumers become more financially free. We are passionate about supporting Pesto’s mission to make lending more affordable, safe, and accessible.” — Nathan Morgan, Continental Bank’s Founder & CEO “Millions of Americans are defaulting to predatory loans as inflation raises household expenses and banks tighten lending to low FICO customers. We’re excited to back the Pesto team on their mission to fix America’s debt trap pandemic and offer a path to a more secure, credit-backed financial future.” — David Yang, Partner at Activant Capital “Access to credit remains one of the most glaring and unnecessary sources of inequality. The lack of federal regulation and our outdated appraisal of creditworthiness leaves the most fragile populations prey to predatory lenders. Pesto’s innovation can be the lever that can help lift millions of people from systemic and unnecessary financial distress, and James has the devotion required to scale its impact.” — Khaled Helioui, co-founder of Plural Trending on Pulse 2.0