\nSam Hodges este cofondator \u015fi managing partner al Funding Circles, o institu\u0163ie specializat\u0103 \u00een acordarea creditelor pentru companii mici \u015fi mijlocii.<\/p>\n
\u00cen 2007, el conducea o re\u0163ea de s\u0103li de fitness \u015fi a decis s\u0103 cear\u0103 ajutor financiar institu\u0163iilor bancare pentru a-\u015fi extinde afacerea. De\u015fi businessul s\u0103u era profitabil, iar scoring-ul s\u0103u (evaluarea clientului de c\u0103tre institu\u0163ia financiar\u0103) era suficient de mare, Sam Hodges a fost refuzat de to\u0163i cei c\u0103rora le-a cerut ajutorul. Dup\u0103 cel de-al 96-lea refuz, b\u0103rbatul a \u00een\u0163eles deficien\u0163ele sistemului american de creditare, relateaz\u0103 Business Insider.<\/p>\n
Companiile mari, cu venituri de sute de milioane de dolari \u015fi sute de angaja\u0163i, primeau cu u\u015furin\u0163\u0103 credite de peste cinci milioane de dolari. Dar pentru companiile mici \u015fi mijlocii, cu mai pu\u0163in de 50 de angaja\u0163i, sumele oferite erau mult mai mici. “Exist\u0103 o diferen\u0163\u0103 foarte mare, \u015fi ea cre\u015fte \u00een fiecare an”, poveste\u015fte Hodges.<\/p>\n
Antreprenorul a decis s\u0103 lanseze un portal online, numit Emergence Landing Network, care s\u0103 ofere bani rapid micilor proprietari, evit\u00e2nd procedurile complicate impuse de b\u0103nci. Sistemul g\u00e2ndit de Sam Hodges pune fa\u0163\u0103 \u00een fa\u0163\u0103 investitorii \u015fi oamenii de afaceri, ob\u0163in\u00e2nd un anumit comision din fiecare tranzac\u0163ie.<\/p>\n
\u00cen 2013, afacerea lui Hodges a fuzionat cu Funding Circle, un business similar din Marea Britanie. Din 2010 p\u00e2n\u0103 \u00een prezent, \u00eemprumuturile tranzac\u0163ionate prin platform\u0103 au dep\u0103\u015fit 750 de milioane de dolari, iar pentru 2015 se a\u015fteapt\u0103 la dep\u0103\u015firea barierei de un miliard.<\/p>\n
Fondurile mari de investi\u0163ii precum Accel Partners sau Index Ventures au fost atrase de idee \u015fi au investit \u00een compania lui Hodges aproape 150 de milioane de dolari, pentru a ajuta dezvoltarea viitoare a platformei.<\/p>\n","protected":false},"excerpt":{"rendered":"
Sam Hodges este cofondator \u015fi managing partner al Funding Circles, o institu\u0163ie specializat\u0103 \u00een acordarea creditelor pentru companii mici \u015fi mijlocii. \u00cen 2007, el conducea o re\u0163ea de s\u0103li de fitness \u015fi a decis s\u0103 cear\u0103 ajutor financiar institu\u0163iilor bancare pentru a-\u015fi extinde afacerea. De\u015fi businessul s\u0103u era profitabil, iar scoring-ul s\u0103u (evaluarea clientului de […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[10638,81,13243,192,7267,235,201,15580,7736,485,9108,7281,6096,10884,31847,76,450,80,7543,9939,7960],"class_list":["post-114574","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-acordare","tag-afaceri","tag-ajutor","tag-angajati","tag-banci","tag-business","tag-companii","tag-concediere","tag-credit","tag-credite","tag-decizie","tag-extindere","tag-fitness","tag-incercare","tag-institutie","tag-institutii","tag-platforma","tag-refuz","tag-retea","tag-sali","tag-tanar"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/114574","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=114574"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/114574\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=114574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=114574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=114574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}