2022年12月22日

Aye Finance是印度對MSME部門的主要貸款人，宣布由Alphabet的獨立增長基金CapitalG領投的21億盧比E輪融資。這輪融資還包括Aye現有投資者LGT Lightstone、Falcon Edge Capital、A91 Partners和MAJ Invest的參與。有了這筆新的投資，Aye自成立以來的股權融資總額超過69億盧比。這筆融資認可了Aye Finance作為一家顛覆性的微型企業貸款機構在市場上的吸引力。自2014年成立以來，Aye已經支付了300億盧比，改變了微型企業貸款格局，並將超過20萬家無組織企業帶入了正式的貸款生態係統。這家金融科技貸款機構部署了先進的統計模型和預測分析，即使在沒有正式的業務文件和先前的信用記錄的情況下，也能做出可靠的風險選擇。盡管2019冠狀病毒病暴發對中小微企業行業造成了不利影響，但Aye在20-21財年第一季度的運營比率有所提高，這主要得益於其優質貸款賬簿。在評論最新的融資時，Aye Finance董事總經理Sanjay Sharma表示:“在經濟不確定的時期完成重大融資，增強了我們投資者對Aye Finance的價值。困難時期是對優秀貸款機構的真正考驗，過去幾個月，我們已經開始顯示出客戶還款方麵的顯著改善。我們的貸款是通過集群洞察承銷的，這將繼續確保我們投資組合中的良好還款行為。 Our deep connection with customers, our engaged team that rates us as a great place to work, our extensive presence on the field, supported with automation, is a huge differentiator that enables us to optimally restrict credit losses. This equity investment will further add to liquidity that will enable us to emerge strongly from the COVID crisis and continue to benefit millions of micro-enterprises across India.” "Aye Finance's continued success is a testament to their industry leadership, their underwriting methodology, which combines an optimal mix of data science with a physical presence in the field, and their ability to empower a huge, unaddressed market,” said Sumiran Das, Board member and Partner at CapitalG. "We are proud to support Sanjay Sharma and Aye Finance in their mission to expand access to credit to SMEs across India." Kartik Srivatsa, Managing Partner of LGT Lightstone Aspada said,“We first invested in Aye in 2016 and over the years we have seen them grow into a canonical institution with a strong focus on impact and scalability. The relevance of Aye in the post-COVID economy in serving the financing needs of micro-businesses is significant and we are excited to invest further in the growth journey of Aye.” Navroz D. Udwadia, Co-Founder, Partner at Falcon Edge Capital said, “We focused on MSME and SME lending as a significant yet under-served financing opportunity with healthy unit economics and a large, fragmented addressable market. We are excited to continue to back Aye Finance on this next leg of growth as they bring credit to India’s under-served MSMEs via a thoughtful and risk-adjusted cluster-based approach.” Kaushik Anand, Partner at A91 Partners commented, “We are delighted to increase our investment in Aye Finance. The company's leadership has responded robustly to the challenges COVID has presented. What Aye Finance provides has never been more important to India's micro-enterprises and we are glad to hear customers echo that sentiment.” David Paradiso, Partner at Maj Invest, commented: “We are excited to continue our support of Aye Finance and its management team. We are happy to contribute to the scaling up of the business to continue providing top quality products to our customers” Share this article: