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Social Finance, Inc. (commonly known as SoFi) is a marketplace lender that provides student loan refinancing, mortgages and other types of loans, such as parent and personal loans. The company is a non-bank alternative focused on offering loans at lower rates than traditional lenders. SoFi’s primary customers are early stage professionals. Some of its products, such as parent loans and mortgages, are popular with a broader demographic. ==Overview== SoFi was founded in 2011 by Mike Cagney, Dan Macklin, James Finnigan, and Ian Brady, four students who met at the Stanford Graduate School of Business. By leveraging the interest fellow alumni have in seeing graduates of their alma mater be successful, the founders hoped SoFi could provide more affordable options for those taking on debt to fund their education. The company’s inaugural loan program was a $2 million pilot at the founders’ alma mater – the Stanford Graduate School of Business. For this pilot, 40 alumni invested an average of $50,000 to 100 students. In September 2012, SoFi raised $77.2 million, led by Baseline Ventures, with participation from DCM and Renren.〔(【引用サイトリンク】url=http://techcrunch.com/2012/09/11/social-finance-77m-series-b/ )〕 Mark Cuban passed up on investing in the company. On October 2, 2013, SoFi announced that it had raised $500 million in debt and equity to fund and refinance student loans. This total funding amount came from $90 million in equity, $151 million in debt, and $200 million in bank participations, with the remaining capital from alumni and community investors.〔(【引用サイトリンク】url=http://venturebeat.com/2013/10/02/sofi-raises-500m-to-fix-the-broken-student-loan-market/ )〕 The $151 million in debt includes a $60 million line of credit from Morgan Stanley, and a $41 line of credit from Bancorp.〔(【引用サイトリンク】url=http://venturebeat.com/2013/06/04/sofi-gets-an-additional-41m-to-keep-students-from-falling-into-debt/ )〕 As of September 2013, SoFi had funded $200 million in loans to 2500 borrowers at the company’s 100 eligible schools.〔(【引用サイトリンク】url=http://www.lendacademy.com/sofi-adding-leverage-for-their-alumni-investors/ )〕 In November 2013, SoFi announced a deal with Barclays and Morgan Stanley to create a bond backed by peer-to-peer student loans, and this would create the first securitization of these loans to receive a credit rating. In April 2014, SoFi raised $80 million in a Series C round led by Discovery Capital Management with participation from Peter Thiel, Wicklow Capital, and existing investors. Money was raised to expand the footprint of the company's student loan refinancing business and to extend into new products like mortgages and personal loans.〔(【引用サイトリンク】url=http://www.ft.com/cms/s/0/f8feb236-ba7f-11e3-a905-00144feabdc0.html )〕 In February 2015, the company announced a $200 million funding round led by Third Point Management. That same month, the company officially began offering personal loans.〔(【引用サイトリンク】url=http://www.bizjournals.com/sanjose/blog/techflash/2015/02/student-loan-startup-sofi-raises-200-million-in.html )〕〔(【引用サイトリンク】url=http://www.americanbanker.com/news/bank-technology/marketplace-student-lender-sofi-expands-into-personal-loans-1072747-1.html )〕 By March, 2015, the company was offering mortgages in more than 20 states, up from its initial launch that included under ten states in October, 2014.〔(【引用サイトリンク】url=http://www.bloomberg.com/news/articles/2015-03-11/sofi-ceo-sees-4-billion-of-loans-as-startup-targets-mortgages )〕〔(【引用サイトリンク】url=http://video.cnbc.com/gallery/?video=3000317378 )〕 By April, 2015, the company had funded more than $2 billion in loans, including student loan refinancing, mortgages, personal loans and MBA loans. To celebrate its $2 billion milestone, SoFi announced a contest, #2BillionTogether, to pay off one of its members student loans.〔(【引用サイトリンク】url=http://www.cnbc.com/id/102535854 )〕 In September, 2015, Former SEC Chairman Arthur Levitt was added as an advisor. The firm also said it had funded $4 billion in loans.〔(【引用サイトリンク】url=http://www.businessinsider.com/a-startup-out-to-displace-wall-street-banks-just-hired-ex-sec-chairman-arthur-levitt-2015-9 )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「SoFi」の詳細全文を読む スポンサード リンク
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