ALMA establishes and manages payment programs that could help you settle your debts to your creditors by setting lower monthly payments that match your particular financial situation. Spanish venture capital manager Seaya Ventures is reinvesting in Alma, the French financial platform that offers consumers installment and hourly payments in stores. The fintech has just completed a Series C funding round of €210 million, including €115 million in capital increases and €95 million in debt. To support its growth in Europe, Alma is doubling the size of its team (currently more than 200 employees). Recently, Stéphanie Combe was hired as Chief Financial Officer and Jonathan Trepo-Lantelme as Chief Revenue Officer to strengthen the organizational structure. The company, with offices in five countries, already has more than €185 million from its own resources, works with 6,000 companies and carries out annual transactions worth €1,000 million. I said: They are very administrative, very organized, and I have a more commercial soul, more free and let`s say that was what I lacked in the catering company, and I think we can complement each other. Some recommendations before making financial transactions with a company: In these difficult times, the personal financial situation has been severely affected by the pandemic. It is very difficult to know how many and which companies (or individuals) offer fraudulent financial services or try to deceive according to the fraud modality already explained, but what you can do, and it is very simple, is to know if a financial institution is legal and subject to inspection, supervision and control by the Financial Supervisory Authority of Colombia (SFC): You need to enter the general list that you can find on the regulator`s website and find out if the entity that offered you the loan or that you contacted appears there, otherwise, it means that the entity will NOT be monitored by the SFC and no one guarantees that it will fulfill what was promised or answered for your money. If the supposed company says that it is not a financial institution and for this reason it does not appear on the list, but acts as a solidarity organization, this can also be verified by entering the website of the Superintendence of solidarity economy (Supersolidaria) in the open data offered by the entity. This information is filled in on our platform and we carry out a pre-approval because the algorithm is linked to billing. We look for the company where the customer works and there are simple data such as name and email address.
We perform a verification with a text message on the mobile phone, some documents are signed and we start the whole process of managing the withdrawal. The fintech, which was launched three years ago, points out that this new round of fundraising comes at a time when merchants have realized that by enabling installments and deferred payments, they can generate greater demand in a market where competition and consumer expectations continue to grow. For this year, the company plans to enter markets such as Portugal, the Netherlands, Ireland, Austria and Luxembourg. Similarly, it will continue its 2021 development trend with the introduction of deferred payment solutions in physical stores, as well as the extension of its payment terms and penetration of the B2B environment. Every day, companies, both digital and physical, must adapt their activities to the new requirements of Consumer 2.0. This means providing options that meet the requirements of flexibility, speed, accessibility and, most importantly, payment options. In this context, several companies have emerged to improve the various services of online stores. An example of this is Alma, the French start-up that offers deferred payment solutions and recently closed a €210 million Series C financing round. These funds will enable the company to accelerate its expansion into the retail ecosystem in continental Europe. On the other hand, it expects its work team to reach 450 employees by the end of 2022, 225% more than today. The previous one is not a fictional story, it happens very often in real life, because unscrupulous people take advantage of the ignorance and fate of others, pretend to be companies supervised by financial supervision, offer loans that are never paid and keep their money. In 2022, the company will focus on accelerating its international expansion, supporting existing clients in their activities abroad and establishing new business relationships at the local level.