2023年2月28日

獨奏基金已經獲得了超過100萬注冊用戶和130萬多個下載,讓它“最大和第一黑人個人理財平台”,羅德尼·威廉姆斯,獨奏的創始人和主席,TechCrunch說。社區金融公司將索賠”定義為一個b2c個人理財銀行解決方案,美國的注冊用戶和黑人或下載超過100萬。黑人被定義為黑人多數所有權。”“這是一個巨大的產品證明我們已經建立了,它實際上是解決一個實際問題,”威廉姆斯告訴TechCrunch說。”係統有點歧視或選擇性,這是極其昂貴的金融服務公司。成本是一個重要的門檻對普通美國人的需要這些金融服務。它是具有挑戰性的。“個人的使命左右兩岸約2.54億的美國人自2018年推出其平台,Williams說。公司允許其成員設定自己的借貸條款和借給其他成員返回或社會影響。借款後,約有30%的成員甚至轉過身來,提供資金,他補充說。 The 1 million registered user milestone hasn’t come without some blood, sweat and tears, though. Before we profiled the company in 2021 when it raised $10 million in Series A funding, SoLo basically ran out of money, causing the founders to shut down the platform toward the end of 2019, Williams said. SoLo Funds’ lending marketplace Image Credits: SoLo Funds SoLo was relaunched in April 2020 with what Williams said was a better product and new features, including protection for lenders. That paid off: In less than a year, the company had aggressive growth — like 2,000% — and a Series A. Williams also credits the registered user milestone to that perseverance. Not to mention, it is why the company recently landed a seven-figure investment from Serena Ventures and other investors and funds. Speaking about the investment, Serena Williams, managing partner at Serena Ventures, said in a written statement: “SoLo is transforming the lives of everyday Americans with democratized access to capital and returns that’s truly rooted in community. Community finance is working and SoLo is proof of that.” Meanwhile, the Los Angeles–based company continues on its growth streak. Since its relaunch in 2020, SoLo has amassed nearly 100 employees and processed over 600,000 loans, some 45,000 of those in the last month. Over 80% of those loans were taken out by members from underserved zip codes. The number of loans per month has steadily grown over six months when the company processed around 30,000 loans, Williams said. In addition, those 600,000 loans accounted for $300 million in transaction volume. Williams said the company is on pace to more than triple that transaction volume to over $1 billion by the first quarter of 2024. “We have a strong network effect: for every loan funded, we attract five or six users,” Williams added. “We always wanted to be an alternative to payday loans, and the best part is we are finally making the impact we envisioned.” SoLo members get a consumer deposit account, but coming down the pipeline the company will be releasing some new features, including access to debit cards, credit lines, credit cards, high-yield savings accounts and an auto lending account that will be launched later this year. It will enable members to upload capital into an account and set risk tolerance and the account will lend automatically.