美国网络借贷平台Prosper 完成了第一笔收购—医疗借贷

译/刘小丽

Prosper今天发生了重大且极具有意义的新闻，Prosper 以2100万美金成功收购了一家美国医疗借贷公司。

AHL(美国医疗借贷公司)为患者的治疗过程筹措资金。AHL成立于2009年的盐湖城，犹他州，他们的业务覆盖了众多垂直保健行业，如：整容手术，生育，脊椎和神经外科，行为健康等等，他们其实不是真正的借贷方，而是开发出了一种基于云计算的患者筹资平台，整合了包括Prosper在内的很多借贷方。

以下信息来自AHL网站

美国医疗借贷公司是集合了医疗、技术和金融服务市场，三方服务的机构，对于大量医疗保健问题，我们正运用科技手段来寻找创新的金融服务攻略。通过给良好信用的个体提供价值分期贷款的方式，患者融资平台每天为国内医疗保健提供可负担的治疗。

其实，这次收购始于去年AHL成为Prosper的转介合伙人，AHL是一家创新型年轻公司，AHL正寻求颠覆医疗保健行业的方式，这与Prosper寻求颠覆消费信贷业的边界不谋而合。

虽然AHL与包括Prosper在内的大量借款人直接合作，但是他们的主要工作阵地是在医生办公室。病人可以当场输入他们的信息，并即刻能确定他们是否能获得贷款。最大贷款金额为100000美元，最长贷款期限为7年。显然，他们对prosper所提到的贷款与prosper的贷款条款是相吻合的，即最高值为35000美元，最长时限为5年。

占据在医疗融资市场的强势地位

我昨天与Prosper的CEO，Aaron Vermut以及总裁Ron Suber聊天，并聊起了这个收购，关于这次收购他们都非常的兴奋。在过去的两年中Prosper团队一直专注于拓展债务合并业务，并获得了很大的成功。但现在，他们希望扩展他们的渠道。在他们看来，贷款择医疗程序作为一个巨大的成长中的领域，可以帮助扩大Prosper规模。

“医疗程序的潜在市场融资总额可达数千亿美元”，Ron Suber说。“与AHL的合作，让我们在市场中占据了重要位置”, 此外,也给他们提供了一个销售点的入口。这些贷款的应用程序通常发生在医生办公室，这会给Prosper一些在这种工作环境中处理贷款的宝贵的经验，

如果你留意Prosper目前的借贷数据，会发现医疗贷款占提供给投资者的贷款的很小一部分比例。绝大多数仍然是债务合并。但这正在改变，根据Suber所说： “我们将以此次收购为契机，以吸引更多的投资人。”

Prosper方面没有透漏任何AHL的数据，因此他们从2100万美元中有何收获不得而知，但据AHL官网显示，在全部50个州中，他们确实拥有超过1000位投资人，并且30万人通过互联网的形式获得贷款，总额达50亿美元。此次收购对Prosper的影响大小，还有待观察。但作为第一次收购对Prosper来说意义重大。它让Prosper进入一个全新的市场, 打开了Prosper发展大型新借款人的通道。这与去年年初，Lend Club对于Springstone的收购有相似之处。

简评：

据了解，国内有专门做医疗借贷的P2P网站，其主要运作模式是借助互联网借贷平台，实现医疗从业人员及其他人士对于相关医疗机构的投资，这与Prosper投资的AHL有较大的区别，AHL是实现患者的借贷，而国内该平台是实现医疗机构的借贷。据医药市场分析数据显示，到2020年，大健康市场的规模将达到8万亿。 医疗行业被认为将是下一个互联网颠覆的行业，如马云所称，“今后阿里想干的就是健康、快乐两个产业”如何让人更加健康，医疗相伴随行，医疗借贷是否可以在庞大的医疗行业分得一杯羹？

原文如下：

Prosper Makes Its First Acquisition – a HealthCare Lender

by PETER RENTON on JANUARY 27, 2015

More big news from Prosper today and this story is very significant. Prosper has completed their first acquisition – American Healthcare Lending (AHL) – for $21 million in cash.

As the name implies AHL is for patients looking to finance their medical procedures. Founded in 2009 in Salt Lake City, Utah, they work in a number of verticals within health care: cosmetic surgery, fertility, spine and neuro surgery, behavioral health, just to name a few. They are not actually a lender as such; rather they have developed a cloud-based patient financing platform that is integrated with a variety of lenders including Prosper.

This is from the AHL website:

American HealthCare Lending sits at the intersection of the healthcare, technology, and financial services markets and we are using technology to bring innovative financial services solutions to a massive healthcare problem. Our patient financing platform allows healthcare providers nationwide to Make Healthcare Affordable? for patients every day by offering high-dollar installment loans to individuals with good credit.

This acquisition all started when AHL became a referral partner of Prosper last year. AHL is an innovative young company that appealed to the executive team at Prosper. They are looking to disrupt financing in the healthcare industry in a similar way Prosper is looking to disrupt the broader consumer lending industry.

AHL works directly with a number of lenders, including Prosper, but their main innovation occurs inside the doctors’ offices. The patient can enter their information on the spot and get a decision on their loan instantly. The maximum loan size is $100,000 and loan terms go up to 7 years. Obviously the loans they refer to Prosper would fit within Prosper’s loan terms – a maximum size of $35,000 and a maximum loan term of 5 years.

A Strong Position in the Medical Financing Market

I chatted with the CEO of Prosper, Aaron Vermut, and the President, Ron Suber, yesterday about this deal and they were both clearly excited. For the past two years the Prosper team has been focused on growing the base of debt consolidation borrowers and they have been very successful at that. But now they want to broaden their approach. They see lending for elective medical procedures as a huge growth area and one that can help Prosper scale.

“The total addressable market for financing of medical procedures is in the hundreds of billions”, said Ron Suber. “The partnership with AHL gives us a strong position in this market.” What it also does is give them an entry point into Point of Sale. The applications for these loans are often done on the spot in doctors offices and will give Prosper some valuable experience in working with loans in that environment.

If you look at the loans that Prosper is funding today medical procedures make up a tiny percentage of loans available to investors. The vast majority continue to be for debt consolidation. But this is about to change according to Suber: “I think we will look back at this acquisition as the very beginning of a change where Prosper starts attracting a new kind of borrower.”

Prosper didn’t share any of the metrics for AHL so we don’t know exactly what they are getting for their $21 million. But on AHL’s website it does say that they have over 1,000 providers in all 50 states and that 300,000 people have received loans through their network totaling $5 billion. So, whether or not this is a great deal for Prosper remains to be seen. But as a first acquisition it makes a lot of sense to me. It gives Prosper access to a whole new market and should allow them to grow a large new channel of borrowers. And it is not that different to Lending Club’s acquisition of Springstone early last year.

(文章为作者独立观点，不代表网贷天眼官方立场,转载请注明作者及出处。)

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