{"id":5661,"date":"2019-08-04T07:35:11","date_gmt":"2019-08-04T07:35:11","guid":{"rendered":"https:\/\/digi-entrepreneur.com\/?post_type=startup&p=5661"},"modified":"2019-08-04T07:35:11","modified_gmt":"2019-08-04T07:35:11","slug":"lulalend","status":"publish","type":"startup","link":"https:\/\/startup-agenda.com\/annuaire\/startup\/lulalend\/","title":{"rendered":"Lulalend"},"content":{"rendered":"
\n
\n
\n
\n
\n

Lulalend<\/strong> est une structure de pre\u0302t aux petites et moyennes entreprises en Afrique du Sud.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

\n
\n
\n

Afin de pallier les e\u0301carts de de\u0301veloppement e\u0301conomiques et sociaux qui laissent une majeur partie de la population africaine sans soutien bancaire et financier, Lulalend est une plateforme de pre\u0302t en ligne pour les petites entreprises afin qu\u2019elles de\u0301veloppent leur outil de production ou le re\u0301novent, ge\u0300rent leurs stocks et puissent investir dans leur marketing.<\/p>\n<\/div>\n<\/div>\n

\n
\n

PRINCIPE ET GENE\u0300SE DE L’OFFRE<\/p>\n

Lulalend est cre\u0301e\u0301e, en 2015, par Trevor Gosling, serial entrepreneur & ancien banquier d\u2019affaires a\u0300 Goldman Sachs, et Neil Welman, inge\u0301nieur et ancien banquier d\u2019affaires, apre\u0300s avoir constate\u0301 les conse\u0301quences des besoins en fonds de roulement des micro, petites et moyennes entreprises en Afrique du Sud. En effet, les services de pre\u0302ts bancaires peinent a\u0300 e\u0301tablir un profil cohe\u0301rent et attractif pour ces commerc\u0327ants via leurs me\u0301thodes d\u2019e\u0301valuation traditionnelles. En outre, les me\u0301canismes traditionnels d\u2019emprunt sont longs et ralentissent l\u2019activite\u0301 e\u0301conomique de ces acteurs. C\u2019est ainsi que Lulalend permet a\u0300 ces profils de be\u0301ne\u0301ficier de pre\u0302ts en un temps record et de facilite\u0301s de remboursement flexibles et adapte\u0301es a\u0300 leur activite\u0301.<\/p>\n<\/div>\n

\n

PARCOURS CLIENT FONCTIONNEMENT<\/p>\n

Les entreprises effectuent une demande de cre\u0301dit en suivant un formulaire d\u2019inscription en ligne qui ne prend que 8 minutes. Ils peuvent pre\u0301tendre a\u0300 emprunter entre 20 000 et 1 000 000 de Rands. Ils rec\u0327oivent la re\u0301ponse sous 24 heures. L\u2019emprunt ne peut e\u0302tre alloue\u0301 qu\u2019aux achats ne\u0301cessaires a\u0300 l\u2019activite\u0301 de l\u2019entreprise et le plan de remboursement est adaptable selon les pre\u0301visions de cash-flow : 6, 9 ou 12 mois. Les entreprises peuvent observer en temps re\u0301el et en toute transparence l\u2019e\u0301volution de leur emprunt et remboursement. Enfin, une entreprise qui souhaite be\u0301ne\u0301ficier a\u0300 nouveau de cette offre n\u2019a pas besoin de refaire le processus d\u2019inscription.<\/p>\n<\/div>\n

\n

EN QUOI EST-CE UNE INNOVATION<\/p>\n

A la diffe\u0301rence des autres organismes de pre\u0302t, Lulalend a la particularite\u0301 de fonder son analyse du profil des emprunteurs sur des sources alternatives comme : les historiques de paiement, les comptes bancaires en ligne ou les historiques sur les plateformes e- commerce. Elle met ainsi toutes les nouvelles sources d\u2019informations accessibles via internet et smartphone au service d\u2019une e\u0301valuation des profils emprunteurs<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Lulalend est une structure de pre\u0302t aux petites et moyennes entreprises en Afrique du Sud. Afin de pallier les e\u0301carts de de\u0301veloppement e\u0301conomiques et sociaux qui laissent une majeur partie […]<\/p>\n","protected":false},"author":1,"featured_media":5662,"comment_status":"open","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"jetpack_post_was_ever_published":false},"startup_category":[],"class_list":["post-5661","startup","type-startup","status-publish","has-post-thumbnail","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5661","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup"}],"about":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/types\/startup"}],"author":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/comments?post=5661"}],"version-history":[{"count":0,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup\/5661\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media\/5662"}],"wp:attachment":[{"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/media?parent=5661"}],"wp:term":[{"taxonomy":"startup_category","embeddable":true,"href":"https:\/\/startup-agenda.com\/annuaire\/wp-json\/wp\/v2\/startup_category?post=5661"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}