London-based fintech Chip raises £7.3 million through angel and crowdfunding

Chip, the London-based fintech that created an automatic savings account, has raised £7.3 million, with £3.8 million crowdfunded by customers and the remainder from unnamed angel investors. The campaign ran for three weeks in September and is currently Crowdcube’s most participated-in crowdfund, with 7,182 investors.

The startup provides a free app “to make saving as easy as spending.” The AI-driven system calculates how much a user could save, gives the option to decline it, and then automatically transfers the amount to user’s Chip account. Chip has saved over £85 million for its users to date.

CEO Simon Rabin commented: “The most powerful way for Chip to grow is to have thousands of investors advocating for the product they believe in. It’s amazing to have this many Chip savers as investors in the company. We’ve proven there’s a big demand for Chip, and we’re ready to scale – we’re going to use our investment to grow and deliver a product that will fill a huge gap in the market. Many of the other big names in fintech are focussed on making spending easier. Monzo have the current account, Curve are disrupting credit cards, Revolut have the travel card, but Chip… Chip is for saving.”

The fintech will use the funds to increase the app’s capacity for large volumes of users, refining the infrastructure and expanding the team. THe plan is also to expand the product to offer access to FSCS protected accounts and deliver an in-app marketplace for returns products.

Already the company has made a number of senior hires, all fintech veterans: David Kavanagh (CTO), former CTO of Purplebricks; Sharon Miles (COO), former innovation director of B2B fintech unicorn Deposit Solutions, as well as Barclays and LeasePlan; Gerard Hurley (CCO), former compliance lead at Funding Circle and an ex-FCA regulator; Gary Dolman (Board Advisor), co-founder and recently retired CFO of Monzo.

New CTO David Kavanagh said: “The savings market is archaic, broken and ineffective. People want more from their savings accounts, so they are voting with their capital. Chip has raised VC-levels of funding from its users and supporters, demonstrating that what customers want is a market-changing product that is easy to use, helps them save, and offers the best possible rates in the market. It’s an incredibly exciting time for the company and I’m delighted to have joined it as such a pivotal stage. I look forward to working with the team at Chip to help set a new standard for savings apps.”

Source. Tech.Eu,. Annie Musgrove, November 6, 2019

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Ebury nabs £350M for foreign exchange and currency services for SMEs, Santander takes 50.1% stake

As the UK continues on its slow march to leave the European Union, a London-based startup that enables companies to work internationally has raised a huge round of funding from a strategic backer to expand its business. Ebury, which provides foreign exchange, money transfer and other currency services to small and medium businesses and their banking partners, has picked up £350 million (about €400 million, or $452 million) led by Spanish banking giant Santander. With the deal, Madrid-based Santander will become a majority shareholder at 50.1% but notes that Ebury will continue to operate as an independent entity.

Ebury and Santander said that the funding will be used to support Ebury’s growth, and specifically to scale its customer base in Latin America and Asia, while at the same time bolting on more modern services to Santander’s offerings as it seeks both to expand its revenues from existing customers and take on new ones.

Santander said that it has 4 million SME customers globally, and currently more than 200,000 of them do international business, while Ebury is already operating 19 countries and covers 140 currencies, with annual revenue growth of 40% in each of the last three years.

But putting to one side 4 million businesses, even providing services to 200,000 customers would be a big step up for Ebury: the company said that last year it processed £16.7 billion in payments for just 43,000 clients.

Santander said that its investment gives it a 50.1% stake in the company, but it is not disclosing total valuation. On a straight percentage, it would work out to about £700 million, or $902 million, but it sounds like the deal includes both primary and secondary investment — “£70 million will be new primary equity (approximately €80 million) to support Ebury’s plans to enter new markets in Latin America and Asia,” the companies note — and that could change the numbers. Santander is optimistic and said it expects a return on its invested capital in Eubury of higher than 25% in 2024.

Ebury’s existing investors and co-founders and management will also invest in the transaction. Past backers include 83North (formerly Greylock Israel) and Vitruvian Partners, among others. 

Founded in 2009, it has to date raised $134 million.

Services that Ebury currently provides include currency transfer and exchange, but it looks like there will be  more down the line. Just last month, Ebury announced that it had acquired another fintech called Frontierpay, which specialises in international payroll solutions. The deal is still going through regulatory approavals.

Many have lamented the fact that startups out of Europe find it hard to scale and grow and need to look to markets like the US for that kind of funding and support — often relocating in the process. Fintech is one of the big areas that bucks this trend.

Adyen built and still operates its successful online payments business out of the Netherlands; Revolut, Monzo and a wave of other so-called ‘challenger banks’ are revisiting what it means to provide banking services to consumers and businesses; and TransferWise — itself a major player in currency transfer services focusing both on individuals as well as businesses — are among the many that have scaled internationally out of Europe and have valuations in the billions.

Indeed, it’s competition from the likes of TransferWise that may have spurred Santander to invest in Ebury.

If bringing Ebury’s technology to the Santander platform will give the legacy bank a better way of competing in a market that’s seeing a lot of challengers at the moment, it also gives Ebury a stronger underpinning for those skeptical of doing business with a newer startup.

“Combining a big bank with nimble fintech means we can offer our clients the best of both worlds: they can benefit from our technology and high- quality service safe in the knowledge that they are counterparty to one of the world most important financial institutions,” said Juan Lobato and Salvador García, co-founders of Ebury, in a joint statement. “It is an exciting time for Ebury, we have just completed our first acquisition, and the new capital from Santander and our existing shareholders will allow us to invest in new ways to serve SMEs trading internationally and continue the growth in our business while keeping our entrepreneurial culture.”

Santander is not a stranger to making strategic investments in financial technology startups to grow its business, specifically by integrating or co-marketing those services alongside its own. It made an early strategic investment in Sweden’s iZettle, a Square competitor, that brought the startup into Latin America, and specifically as a co-provider of services to Santander’s customers in the region. Although it looked like iZettle could eventually get gobbled up by Santander, in the end, it was acquired by PayPal for $2.2 billion.

As with the iZettle investment, the focus for Santander here is on providing more services for SMEs, a huge sector that is fragmented and often overlooked and underserved against the bookends of mass-market consumer services and high-touch, high-end large enterprise services. The gap in turn becomes an opportunity.

“Small and medium-sized businesses are a major engine of growth around the world, creating new jobs and contributing up to 60% of total employment and up to 40% of national GDP in emerging economies,” said Ana Botín, Group Executive Chairman of Banco Santander, in a statement. “SMEs are becoming increasingly global and Santander is the best positioned bank to play a leading role to help them access global trade finance. By partnering with Ebury, Santander will deliver faster and more efficient products and services for SMEs, previously only accessible to larger corporates.”

Source. TechCrunch, Ingrid Lunden, November 4, 2019 

 

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Freetrade, the UK challenger stockbroker, completes $15M Series A

FreeTrade the U.K. challenger stockbroker that offers commission-free investing, has closed $15 million in Series A funding. The round includes a $7.5 million investment from Draper Esprit, the U.K. publicly listed venture capital firm, along with previously announced equity crowdfunding via Crowdcube.

The funding will be used by Freetrade for further growth and product development, including “doubling down” on engineering hires. The firm, which claims more than 50,000 customers, is also planning to expand to Europe next year.

In addition, Adam Dodds, CEO and founder of Freetrade, tells me there will be a marketing and content push to help reach more of the challenger stockbroker’s target millennial customers and help educate the market as a whole that investing in the stock market doesn’t have to be prohibitively expensive or complicated.

Amongst a number of new stock trading and investment apps in the U.K., London-based Freetrade was first out of the gate as a bona fide “challenger broker” after deciding early on to build its own brokerage. This included obtaining a full broker license from the FCA, rather than simply partnering with an established broker.

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The Freetrade app lets you invest in stocks and ETFs. Trades are “fee-free” if you are happy for your buy or sell trades to execute at the close of business each day. If you want to execute immediately, the startup charges a low £1 per trade. The idea is to put the heat on the larger incumbents that can charge up to £12 per trade, which is off-putting to people wanting to only invest a small amount or regularly refresh a modestly sized portfolio.

Meanwhile, Dodds says that next on the product roadmap will be a new investment platform that will give users the option to purchase U.K. and European “fractional” shares, not just U.S. ones, which he claims will be a first.

With that said, competition has been steadily increasing since Freetrade set up shop. Silicon Valley’s Robinhood is gearing up for a U.K. launch, having recently received regulatory approval. Bux has also recently launched commission-free trading and now bills itself as a challenger broker just like Freetrade.

Then, of course, there’s Revolut, the fast-growing challenger bank that tentatively launched fee-free stock investing in August.

Noteworthy, André Mohamed, previously CTO and a co-founder of Freetrade, joined Revolut as its new head of Wealth & Trading Product, adding a bit of extra spice to that rivalry. As I wrote at the time, the circumstances that saw Mohamed depart Freetrade remain unclear. According to my sources, his contract was terminated last year and the two parties settled, with Freetrade accepting no liability.

“Freetrade are on a mission to open up investment opportunities for everyone, as are we,” says Simon Cook, CEO of Draper Esprit, in a statement. “In this sense, their mission is totally aligned with our own, as a rare tech-focused VC listed on the stock exchange. The company have shown exceptional growth in the short time since they first launched the platform last year. We could not be more delighted to support Adam, Viktor, Ian and their wider team as they enable Europe’s 100 million millennials to benefit from the world’s economic growth.”

Source. TechCrunch, Steve O'Hear, October 31, 2019

 

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Working Capital Financing: Greensill Raises $800M in Funding from SoftBank Vision Fund

Greensill, a London, United Kingdom–based non-bank provider of working capital finance for companies globally, received an $800m in funding.

The SoftBank Vision Fund made the investment.

The company intends to use the funds to:

– accelerate development of new technology to further improve access to capital for companies globally,

– enhance its ability to support the development of a broad, liquid capital market for working capital finance assets, and

– accelerate its recent entry into Brazil and enter multiple global markets including China and India.

Led by Founder and Chief Executive Officer Lex Greensill, Greensill is a provider of working capital finance for companies globally. The company provides businesses with alternative sources of funding, allowing them to provide suppliers with the opportunity for faster payment, while at the same time preserving their own capital position.

Greensill provides Working Capital Finance facilities to customers across Europe, North America, Latin America, Africa, and Asia.

The company owns Greensill Bank, which, founded in Bremen, Germany in 1927, has a suite of proprietary Supply Chain Finance Funds run by world leading fund management organizations, and works with more than 100 institutional investors that together provide stable funding. Greensill has extended more than $60 billion of financing to more than 8 million customers across 60 countries since inception.

The company is headquartered in London with offices in New York, Frankfurt, Chicago, Miami, Singapore, Sao Paulo, Mexico City, Johannesburg, Sydney, Warrington and Bundaberg.

With the Vision Fund, Greensill will build on its partnership with General Atlantic to continue developing its global network, further grow its established origination and distribution strategy, and explore new opportunities for collaboration.

Source. FinSMEs, Staff, May 13, 2019

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Urban Jungle raises £2.5M to make insurance accessible to ‘generation rent’

By Steve O'Hear

Urban Jungle, a digital insurance startup targeting so-called “generation rent” with a range of insurance products, has raised £2.5 million in a seed funding round.

The round is said to be backed by a mixture of new and previous investors, including Rob Devey, the former CEO of Prudential UK, and Simon Rogerson, CEO of Octopus Group.

Described as challenging traditional insurance providers by catering to U.K. renters who have historically been underserved by the insurance industry, Urban Jungle offers contents insurance, gadget insurance and tenant-liability policies.

This includes a contents insurance product focused on house and flat sharers. The startup also offers a pay-as-you-go policy, and says it is committed to transparent pricing policy terms.

“We are fixing home insurance, which has a load of problems to work on,” says Urban Jungle co-founder Jimmy Williams. “Of all of the types of personal insurance, it’s still the one most bought and managed offline, mostly through estate agents, banks and mortgage brokers. Prices are high, terms are complex and there are fees for everything.”

Alongside this, Williams says customers are often asked far too many questions about things that are outside their control, which they resent, and are becoming increasingly aware of outdated and unfair pricing. “Much of this is caused by insurers’ inability to use new sources of data appropriately,” he adds.

In contrast, Urban Jungle aims to be cheaper and easier for customers to buy, manage and claim. It also wants to provide cover better suited to customers’ needs.

“All of this is enabled through technology,” says Williams. “We automate the vast majority of processes to make things super quick, and keep our costs very low. We also use data in smart ways to customise the cover we offer to customers, and make pricing fairer.”

To that end, Urban Jungle claims 15,000 plus customers and says it’s growing more than 30% per month. Meanwhile, today’s newly disclosed funding brings the total raised by the U.K. company to £3.7 million to date.

Source. TechCrunch, Steve O'Hear, May 6, 2019

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Amazon leads $575M investment in Deliveroo

By Jon Russell

Amazon is taking a slice of Europe’s food delivery market after the U.S. e-commerce giant led a $575 million investment in Deliveroo .

First reported by Sky yesterday, the Series G round was confirmed in an early U.K. morning announcement from Deliveroo, which said that existing backers, including T. Rowe Price, Fidelity Management and Research Company and Greenoaks also took part. The deal takes Deliveroo to just over $1.5 billion raised to date. The company was valued at more than $2 billion following its previous raise in late 2017, although no updated valuation was provided today.

London-based Deliveroo operates in 14 countries, including the U.K., France, Germany and Spain, and — outside of Europe — Singapore, Taiwan, Australia and the UAE. Across those markets, it claims it works with 80,000 restaurants with a fleet of 60,000 delivery people and 2,500 permanent employees.

It isn’t immediately clear how Amazon plans to use its new strategic relationship with Deliveroo — it could, for example, integrate it with Prime membership — but this isn’t the firm’s first dalliance with food delivery. The U.S. firm closed its Amazon Restaurants U.K. takeout business last year after it struggled to compete with Deliveroo and Uber Eats. The service remains operational in the U.S.

“Amazon has been an inspiration to me personally and to the company, and we look forward to working with such a customer-obsessed organization,” said Deliveroo CEO and founder Will Shu in a statement.

Shu said the new money will go toward initiatives that include growing Deliveroo’s London-based engineering team, expanding its reach and focusing on new products, including cloud kitchens that can cook up delivery meals faster and more cost-efficiently.

Source. TechCrunch, Jon Russell, May 17, 2019

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Wheely raises $15 million for its luxury ride sharing app

By Romain Dillet

London-based startup Wheely has raised a $15 million Series B round led by Concentric, with Oleg Tscheltzoff, Misha Sokolov and other investors also participating. The company wants to build an Uber competitor focused on the luxury market. 

It’s a bit ironic when you think about it, as Uber started as a luxury company. But everybody knows someone with horrific Uber stories. That’s why Wheely is building a reliable and predictable ride-hailing experience. 

The company is currently live in London, Moscow and St. Petersburg — Paris is coming this summer. It works with 3,500 drivers and currently has a run rate of $80 million in gross bookings.

Wheely doesn’t try to reinvent the wheel, as the company works with third-party partners and doesn’t employ its drivers. Similarly, the company takes a 20 percent cut on each ride.

But the startup insists on its strict recruitment process. For instance, you can’t become a Wheely driver from day one. The company requires at least three years of previous chauffeur driving experience. You also need to pass multiple tests, including driving tests and etiquette tests. Only one in four UberBlack drivers pass the exam.

There are currently three different classes — a normal one with Mercedes-Benz E-Class cars, a fancy one with Mercedes-Benz S-Class cars and a van category with Mercedes-Benz V-Class vehicles.

Minimum rides cost £12 with the entry-level class, £16 in an S-Class and at least £40 for a van. You then pay more depending on distance traveled and time spent in the vehicle.

And it’s been working well, as Wheely now represents around 11 percent of gross bookings in London. Given that each ride is more expensive than a traditional ride-hailing ride, it makes sense that Wheely already captured a good chunk of the money pie. Now let’s see if the company can find enough cities with affluent people to scale its business.

Source. Techcrunch, Romain Dillet, April 25, 2019, 

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The startup behind that deep-fake David Beckham video just raised $3M

By Mike Butcher

The recent global campaign showing Malaria survivors speaking through David Beckham to help raise awareness around the Malaria Must Die initiative spooked a lot of people.

The campaign was a joint collaboration between RG/A, Ridley Scott Associates and the clever video startup Synthesia, for Malaria No More.

And it turns out, there’s a huge commercial imperative over this cool technology. 

Video production today is highly unscaleable. It’s a physical process with many cameras, many studios and many actors. Once a marketing, product or entertainment video has been shot, it’s very difficult to quickly and affordably edit the creative or translate into different languages.

As co-founder Victor Riparbelli Rasmussen tells me: “We believe generating semi or fully artificial video is more efficient. This digital creation process is already the industry standard with images through applications like PhotoShop. We’re enabling the same for video.”

Synthesia  says it can reduce the need to go on set to produce video content. Rather than shooting a new video, it can edit existing assets to create derivative international and personalized videos.

Rasmussen says: “Our solution allows companies to 10x their video output for a tenth of the costs of conventional production. A simple interview-style video can easily involve many people and extensive production costs across the organization. With our solution, a marketing manager at an advertising agency, a Fortune 1000 company or small business can create a new video from behind her screen and have it delivered back within 48 hours.”

The U.K.-based startup has now raised $3.1 million, with the financing led by LDV Capital,  early investor Mark Cuban  and new investors MMC Ventures, Seedcamp,  Martin Varsavsky’s VAS Ventures, TransferWise  co-founder Taavet Hinrikus, Tiny VC and advertising executive Nigel Morris.

“Video production is exponentially increasing but it is extremely challenging to internationalize and easily personalize advertising, marketing and e-learning videos across cultures,” says Evan Nisselson, general partner at LDV Capital. “Synthesia is leveraging computer vision and artificial intelligence to revolutionize video production for brands and creators.”

Synthesia was founded by a team of researchers and entrepreneurs from UCL, Stanford, TUM and Foundry. Notably, Prof. Matthias Niessner, one of the co-founders of the company, is behind some of the most well-recognized research projects in the field Deep Video Portraits and Face2Face.

The London-based startup came out of stealth in November 2018, airing their first public demo with the BBC, showcasing Synthesia technology by enabling newsreader Matthew Amroliwala to speak three different languages.

Their customers already include global brands such as Accenture,  McCann Worldgroup, the Dallas Mavericks and Axiata Group.

But what about deep fakes and the potential for disinformation?

Synthesia says it has strong ethical guidelines and aims to ensure that all the content created is consensual and that actors are in control of their likeness.

So this is not software that you can just download from the web and apply to Bernie Sanders’ face.

Rasmussen says the company is actively working with governments and media organizations to create public awareness and develop technological security mechanisms to ensure that society gets to harness the benefits and reduce potential negative effects from synthetic media technologies.

Well, let’s hope so…

Source. Techcrunch, Mike Butcher, April 25, 2019

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