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El P2P Lending atrae el doble de inversión de VC que el crowdfunding


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BY : Diego GutiérrezFebruary Wed, 2014
crowfundingEn los últimos años ha crecido considerablemente la financiación alternativa, en EEUU destaca considerablemente el P2P Lending que consigue captar gran cantidad de dinero a través de empresas como Lending ClubProsper Marketplace and Funding Circle.

 

 

El Crowfunding también tiene un papel importante. La semana pasada, Alphaworks lanzo su plataforma crowdfunding otros de los principales participantes en este escenario son  Kickstarter e Indiegogo.

Aportación de venture capital al crowdfunding y P2P Lending

El venture capital está jugando un papel muy importante en el aumento de los servicios financieros alternativos."El apoyo del venture capital a estos modelos está facilitando la desintermediación bancaria tan necesaria tras la crisis financiera, aportando sencillez y transparencia al proceso de financiación directa entre prestamistas y prestatarios" comenta Diego Gutierrez experto en financiación alternativa de Abra Invest.

Como vemos en el siguiente gráfico, los fondos provenientes del venture capital para  P2P lending, han ido creciendo en los últimos años alcanzando un total de $715M desde 2009, una cantidad considerablemente mayor que la cantidad obtenida por el crowdfunding, $237M, en ese mismo periodo.

crowdfunding

El venture capital en P2P lending

Lending Club, es las empresas de P2P Lending que más fondos ha conseguido, de la mano de inversores como Norwest Venture Partners, Canaan Partners y Union Square Ventures.

Pero también hay otras empresas de PS2P Lending que consiguen gran cantidades importantes, como la China Renrendai, que consiguió el pasado mes de Enero una ronda de $ 130M por Trustbridge Partners. Otras que han levantado más de $25M  desde el 2009 han sido la Britanica Funding CircleProsper Marketplace fondeada por Benchmark Capital y Zopa.

"En España, la referencia del P2Plending es comunitae que lleva dando préstamos a particulares desde el 2009 y cuenta con más de 4.000 prestamistas en su plataforma. Hace pocos meses, ha abierto una nueva línea para descontar pagarés a pymes tal como ha surgido en Uk. Por otra parte, han sido varias las plataformas de crowdfunding que han nacido como Thecrowdangel promovida por Inveready pero ninguna de ellas ha recibido una inyección de dinero significativa." analiza Diego Gutierrez

El venture capital en crowdfunding

El crowdfunding también está siendo protagonista de grandes rondas. El mes pasado la plataforma de crowdfunding Indiegogo levantó un ronda  $ 40M a la que acudieron Kleiner Perkins Caufield & Byers y Venture Institucional Partners. Por otra parte, la plataforma Angellist, que fue aprobada por la SEC a principios del 2013 recibió una ronda de financiación recientemente por $24M.

Otros posts relacionados:

Nace en España el crowdfunding para circulante de la mano de comunitae

El BBVA sitúa el crowdfunding en el punto de mira.

Mosaic prepara proyectos de energía solar por 69100 MM en su plataforma de crowfunding.

 

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