| 词条 | Zencap |
| 释义 |
| name = Zencap Global Services | logo = Zencap_Global_Services_Company_Logo.png | type = Private | industry = Financial Services, Software | founder = Dr. Christian Grobe, Dr. Matthias Knecht | location_city = Berlin | location_country = Germany | area_served = Germany, Spain, The Netherlands | products = Peer-to-peer lending | revenue = | num_employees = 65 | parent = Rocket Internet | homepage = {{official}} }}Zencap is a German company, operating a peer-to-peer lending platform, which allows private savers to lend money directly to small and medium sized businesses in Germany, Spain, and the Netherlands.[1] Using the crowdfunding model, the company based in Berlin, Germany[2] aims to create a direct link between private lenders and small businesses seeking loans.[1][3][4][5] As of December 2014, Zencap had facilitated 5 million Euro in loans to small and medium sized firms.[6] In October 2015, the company was merged with Funding Circle, being active on UK and US.[7][8] OriginThe company, based in Berlin, was founded in March 2014[10][9] by Christian Grobe and Matthias Knecht, with support from Rocket Internet.[1][10][11] LendingThe business model resembles the US peer-to-peer lending platform Lending Club and UK-based company Funding Circle.[12]{{not in citation|date=August 2015}} Zencap facilitates small business loans from 10,000 to 250,000 euros.[1] Zencap determines whether the borrower is creditworthy and assigns a credit grade that determines the payable interest rate and the fees. Zencap itself charges borrowers a 1% to 4.5% origination fee. The loan period can range between 6 and 60 months while the loan can be repaid without an early repayment fee at any time.[13] Conditions vary between countries. Der Tagesspiegel quoted founder Christian Grobe, "We are very strict with the risk assessment."[1] Once approved, businesses post their loan request on the Zencap marketplace, where private lenders are able to choose which businesses they want to lend money to.[14]See also
References1. ^1 2 3 4 {{Cite journal|last1=Neuhaus|first1=Carla|title=Woran Berliner Start-ups arbeiten|journal=Tagesspiegel|date=15 June 2014|url=http://www.tagesspiegel.de/wirtschaft/die-bank-von-morgen-woran-berliner-start-ups-arbeiten/10042386.html|accessdate=12 December 2014}} 2. ^{{Cite journal|last1=Neuhaus|first1=Carla|title=Woran Berliner Start-ups arbeiten|journal=Tagesspiegel|date=15 June 2014|url=http://www.tagesspiegel.de/wirtschaft/die-bank-von-morgen-woran-berliner-start-ups-arbeiten/10042386.html|accessdate=12 January 2015}} 3. ^{{Cite journal|last1=Hackmann|first1=Felicitas|title=Zencap is the latest investor-investment matching platform — now with credit, not equity|journal=Human Ipo|date=7 February 2014|url=https://venturebeat.com/2014/04/01/zencap-is-the-latest-investor-investment-matching-platform-now-with-credit-not-equity/|accessdate=12 January 2015}} 4. ^{{Cite journal|title=Rocket Internet’s Credit Marketplace Zencap Will Help SMEs Ditch Bank Loans|journal=Human Ipo|date=31 March 2014|url=http://techmoran.com/rocket-internets-credit-marketplace-zencap-will-help-smes-to-ditch-bank-loans/#sthash.NDAhn3kd.dpbs|accessdate=12 December 2014}} 5. ^{{Cite journal|title=Zencap crea una "nueva alternativa" de financiación para las pymes andaluzas|url=http://noticias.lainformacion.com/economia-negocios-y-finanzas/prestamos/zencap-crea-una-nueva-alternativa-de-financiacion-para-las-pymes-andaluzas_U8Bzc9yLBFK7cwqjQFnNF5/|accessdate=2015-01-12}} 6. ^{{cite web|title=Geld leihen von Privatpersonen: 5 Millionen Euro erfolgreich finanziert|url=https://www.zencap.de/blog/geld-privatpersonen-5-millionen-euro-finanziert-155.html|publisher=Zencap|accessdate=13 February 2015}} 7. ^{{cite web|title=Funding Circle is entering Europe |url=http://uk.businessinsider.com/funding-circle-acquires-zencap-2015-10 |publisher=Business Insider UK|date=20 October 2015}} 8. ^{{cite web|title=Funding Circle übernimmt Zencap: Fintechs als Konkurrenz für Banken |url=http://www.spiegel.de/wirtschaft/unternehmen/fintech-fusion-funding-circle-uebernimmt-konkurrenten-zencap-a-1058522.html |language=de|publisher=Spiegel|date=20 October 2015}} 9. ^http://www.deutsche-startups.de/verzeichnisse/startups-a-z/zencap-deutschland-gmbh/ 10. ^1 {{Cite journal|last1=Drost|first1=Frank Matthias|title=Jungunternehmer finanzieren den Mittelstand|journal=Welt|date=22 May 2014|url=https://www.handelsblatt.com/unternehmen/leasing-spezial/neue-samwer-plattform-jungunternehmer-finanzieren-den-mittelstand/9931626.html|accessdate=12 January 2015}} 11. ^{{Cite journal|last1=Räth|first1=Georg|title=Das neue Rocket-Startup – Lendico für den Mittelstand|journal=gruenderszene|date=31 March 2014|url=http://www.gruenderszene.de/allgemein/rocket-internet-zencap-kredite-mittelstand|accessdate=10 January 2015}} 12. ^{{Cite journal|last1=Hesse|first1=Martin|title=David gegen Goliath|work=Der Spiegel|date=31 March 2014|url=http://www.spiegel.de/spiegel/print/d-126267984.html|accessdate=12 January 2015}} 13. ^{{Cite journal|last1=Jarotschkin|first1=Viktor|title=Innovative Mittelstandsfinanzierung mit Zencap|journal=fuer-gruender.de|date=5 September 2014|url=http://www.fuer-gruender.de/blog/2014/09/zencap-grobe/|accessdate=1 January 2015}} 14. ^{{Cite journal|title=Start-Up-Schmiede will den Mittelstand finanzieren|journal=Handelsblatt|date=30 March 2014|url=https://www.handelsblatt.com/unternehmen/banken/rocket-internet-start-up-schmiede-will-den-mittelstand-finanzieren/9688612.html|accessdate=10 January 2015}} External links
3 : Peer-to-peer lending companies|Companies established in 2014|2014 establishments in Germany |
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