Zozo11
2021-09-15
Wow
Goldman Is Buying GreenSky in a $2.2 Billion<blockquote>高盛以 22 亿美元收购 GreenSky</blockquote>
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{"i18n":{"language":"zh_CN"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":882569554,"tweetId":"882569554","gmtCreate":1631708326378,"gmtModify":1631890110204,"author":{"id":4088163140988980,"idStr":"4088163140988980","authorId":4088163140988980,"authorIdStr":"4088163140988980","name":"Zozo11","avatar":"https://static.tigerbbs.com/0df473163d25fbc30eac54735b287082","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":12,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[],"fanSize":34,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"title":"","extraTitle":"","html":"<html><head></head><body><p>Wow</p></body></html>","htmlText":"<html><head></head><body><p>Wow</p></body></html>","text":"Wow","highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/882569554","repostId":1142964056,"repostType":4,"repost":{"id":"1142964056","kind":"news","pubTimestamp":1631708208,"share":"https://www.laohunote.com/m/news/1142964056?lang=zh_CN&edition=full","pubTime":"2021-09-15 20:16","market":"us","language":"en","title":"Goldman Is Buying GreenSky in a $2.2 Billion<blockquote>高盛以 22 亿美元收购 GreenSky</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1142964056","media":"The Wall Street Journal","summary":"Specialty lender helps consumers with big one-time purchases like cosmetic surgery and home improvem","content":"<p>Specialty lender helps consumers with big one-time purchases like cosmetic surgery and home improvements</p><p><blockquote>专业贷款机构帮助消费者进行整容手术和家居装修等大额一次性购买</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/62006ecfcb993b6b033219e7b9111f87\" tg-width=\"1290\" tg-height=\"859\" referrerpolicy=\"no-referrer\"><span>Goldman will pay roughly $12 a share in stock for specialty lender GreenSky.</span></p><p><blockquote><p class=\"t-img-caption\"><span>高盛将为专业贷款机构 GreenSky 支付每股约 12 美元的股票。</span></p></blockquote></p><p> Goldman Sachs Group Inc. is buying specialty lender GreenSky Inc. for $2.2 billion, striking a deal it hopes will further its reinvention from Wall Street powerhouse to Main Street player.</p><p><blockquote>高盛集团 (Goldman Sachs Group Inc.) 将以 22 亿美元收购专业贷款机构 GreenSky Inc.，希望这笔交易能够进一步推动其从华尔街巨头转型为主街巨头。</blockquote></p><p> GreenSky stock Popped 45% in premarket trading.</p><p><blockquote>GreenSky 股价在盘前交易中上涨 45%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/2f590f5d801f51cec03c370bbc52edc3\" tg-width=\"848\" tg-height=\"634\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p> Goldman will pay roughly $12 a share in stock for GreenSky, which arranges loans for big one-time purchases like construction projects or cosmetic surgery. It works with thousands of merchants ranging from Home Depot Inc. to independent doctors and dentists, and pitches its loans as cheaper and more responsible alternatives to credit cards.</p><p><blockquote>高盛将以每股约 12 美元的价格收购 GreenSky，该公司为建筑项目或整容手术等大型一次性购买安排贷款。它与数千家商家合作，从家得宝公司到独立医生和牙医，并将其贷款宣传为比信用卡更便宜、更负责任的替代品。</blockquote></p><p> “Our goal is to build a real banking platform of the future,” Goldman Chief Executive David Solomon said in an interview. “This moves us along in that journey.”</p><p><blockquote>“高盛首席执行官大卫-所罗门（David Solomon）在接受采访时说：”我们的目标是建立一个真正的未来银行平台。“这让我们在这段旅程中前进”。</blockquote></p><p> GreenSky went public in 2018 at a valuation of roughly $4 billion, part of a new crop of startups promising to reinvent how people borrow money. It has pitched itself as a technology platform connecting consumers who need help covering a major purchase and merchants eager to increase sales.</p><p><blockquote>GreenSky 于 2018 年上市，估值约为 40 亿美元，是承诺重塑人们借钱方式的新一批初创公司的一部分。它将自己定位为一个技术平台，将需要帮助的消费者和渴望增加销售额的商家联系起来。</blockquote></p><p> But missed payments rose, exposing a business that looked more like a boom-and-bust lender than a growing software company. The banks that GreenSky relied on to buy the bulk of its loans—the company isn’t itself a bank and needs outside funding — started to sour on the sector.</p><p><blockquote>但逾期付款增加，暴露了一家看起来更像是繁荣与萧条的贷款机构而不是成长中的软件公司的企业。GreenSky 购买大部分贷款所依赖的银行--该公司本身并不是银行，需要外部资金--开始对该行业不屑一顾。</blockquote></p><p> The pandemic didn’t help. Stay-at-home orders halted elective medical procedures. Renovation projects that it would have otherwise financed were snarled by supply-chain issues and labor shortages. GreenSky’s stock is down about 70% from its peak.</p><p><blockquote>大流行病于事无补。居家令停止了选择性医疗程序。它原本会资助的翻新项目因供应链问题和劳动力短缺而陷入困境。GreenSky 的股价较峰值下跌了约 70%。</blockquote></p><p> The deal price is 55% higher than GreenSky’s closing price Tuesday, though it includes a $445 million tax adjustment. David Zalik, GreenSky’s founder and largest shareholder, will join Goldman as a partner, Mr. Solomon said.</p><p><blockquote>交易价格比 GreenSky 周二的收盘价高出 55%，但其中包括 4.45 亿美元的税收调整。所罗门先生说，GreenSky 的创始人兼最大股东大卫-扎利克（David Zalik）将作为合伙人加入高盛。</blockquote></p><p> Goldman’s consumer bank, Marcus, launched in 2016 and now offers savings accounts, personal loans and investment advice. But without branches or a long history on Main Street, the firm has struck a series of partnerships to bring in customers—with Apple Inc. to launch a credit card, with JetBlue Airways Corp. to lend to travelers, and with Amazon.com Inc. to finance inventory for independent sellers in the tech giant’s marketplace. Buying GreenSky brings thousands of merchants in one fell swoop.</p><p><blockquote>高盛旗下的消费者银行 Marcus 于 2016 年推出，目前提供储蓄账户、个人贷款和投资建议。但由于在主街没有分支机构，也没有悠久的历史，该公司已经达成了一系列合作伙伴关系来吸引客户--与苹果公司合作推出信用卡，与捷蓝航空公司合作向旅行者提供贷款，与亚马逊公司合作为这家科技巨头市场上的独立卖家提供库存融资。购买GreenSky一举带来了成千上万的商家。</blockquote></p><p> GreenSky is part of the “buy now, pay later” wave of companies offering loans that let consumers spread out purchases over weeks or months, usually at lower interest rates than credit cards. Deal making in that sector has ramped up this year, with Afterpay Ltd. selling to Square Inc. for $29 billion and PayPal Holdings Inc. buying Japan’s Paidy Inc. for $2.7 billion. Those companies mostly finance online purchases, while GreenSky peddles its loans through bricks-and-mortar merchants and home-renovation contractors.</p><p><blockquote>GreenSky 是 “先买后付 ”浪潮中的一员，这些公司提供贷款，让消费者在几周或几个月内分期付款，利率通常低于信用卡。今年，该领域的交易量有所增加，Afterpay Ltd. 以 290 亿美元的价格出售给 Square Inc. PayPal控股公司以 27 亿美元的价格收购了日本的 Paidy Inc.这些公司主要为网上购物提供融资，而 GreenSky 则通过实体商家和房屋装修承包商兜售贷款。</blockquote></p><p> Goldman has long been averse to takeovers, preferring to nurture its own talent and build internally. It has been more acquisitive under Mr. Solomon, a former deal maker who took the top job in 2018. It bought a network of financial advisers in 2019 and last month struck a deal for a European money manager.</p><p><blockquote>长期以来，高盛一直反对收购，更倾向于培养自己的人才并在内部建设。所罗门先生曾是一名交易撮合者，于 2018 年担任最高职位，在他的领导下，该公司的收购力度更大。该公司于 2019 年收购了一个财务顾问网络，并于上个月与一家欧洲基金管理公司达成了交易。</blockquote></p><p> Goldman flirted with acquiring GreenSky two years ago, when GreenSky sought potential buyers after its shares tumbled. Those talks fizzled, but the company restarted a sales process earlier this year.</p><p><blockquote>两年前，高盛曾考虑收购 GreenSky，当时 GreenSky 在股价暴跌后寻找潜在买家。这些谈判失败了，但该公司今年早些时候重新启动了销售流程。</blockquote></p><p> GreenSky in July reached a settlement with the Consumer Financial Protection Bureau to resolve what the regulator called “careless business and customer service practices” that allowed merchants and contractors to take out loans on behalf of thousands of customers who didn’t ask for them. GreenSky agreed to cancel up to $9 million in outstanding loans and pay a $2.5 million penalty.</p><p><blockquote>GreenSky 于 7 月与消费者金融保护局（Consumer Financial Protection Bureau）达成和解，以解决监管机构所说的 “粗心的商业和客户服务行为”，即允许商家和承包商代表成千上万没有提出要求的客户申请贷款。GreenSky同意取消高达900万美元的未偿贷款，并支付250万美元的罚款。</blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Goldman Is Buying GreenSky in a $2.2 Billion<blockquote>高盛以 22 亿美元收购 GreenSky</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nGoldman Is Buying GreenSky in a $2.2 Billion<blockquote>高盛以 22 亿美元收购 GreenSky</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">The Wall Street Journal</strong><span class=\"h-time small\">2021-09-15 20:16</span>\n</p>\n</h4>\n</header>\n<article>\n<p>Specialty lender helps consumers with big one-time purchases like cosmetic surgery and home improvements</p><p><blockquote>专业贷款机构帮助消费者进行整容手术和家居装修等大额一次性购买</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/62006ecfcb993b6b033219e7b9111f87\" tg-width=\"1290\" tg-height=\"859\" referrerpolicy=\"no-referrer\"><span>Goldman will pay roughly $12 a share in stock for specialty lender GreenSky.</span></p><p><blockquote><p class=\"t-img-caption\"><span>高盛将为专业贷款机构 GreenSky 支付每股约 12 美元的股票。</span></p></blockquote></p><p> Goldman Sachs Group Inc. is buying specialty lender GreenSky Inc. for $2.2 billion, striking a deal it hopes will further its reinvention from Wall Street powerhouse to Main Street player.</p><p><blockquote>高盛集团 (Goldman Sachs Group Inc.) 将以 22 亿美元收购专业贷款机构 GreenSky Inc.，希望这笔交易能够进一步推动其从华尔街巨头转型为主街巨头。</blockquote></p><p> GreenSky stock Popped 45% in premarket trading.</p><p><blockquote>GreenSky 股价在盘前交易中上涨 45%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/2f590f5d801f51cec03c370bbc52edc3\" tg-width=\"848\" tg-height=\"634\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p> Goldman will pay roughly $12 a share in stock for GreenSky, which arranges loans for big one-time purchases like construction projects or cosmetic surgery. It works with thousands of merchants ranging from Home Depot Inc. to independent doctors and dentists, and pitches its loans as cheaper and more responsible alternatives to credit cards.</p><p><blockquote>高盛将以每股约 12 美元的价格收购 GreenSky，该公司为建筑项目或整容手术等大型一次性购买安排贷款。它与数千家商家合作，从家得宝公司到独立医生和牙医，并将其贷款宣传为比信用卡更便宜、更负责任的替代品。</blockquote></p><p> “Our goal is to build a real banking platform of the future,” Goldman Chief Executive David Solomon said in an interview. “This moves us along in that journey.”</p><p><blockquote>“高盛首席执行官大卫-所罗门（David Solomon）在接受采访时说：”我们的目标是建立一个真正的未来银行平台。“这让我们在这段旅程中前进”。</blockquote></p><p> GreenSky went public in 2018 at a valuation of roughly $4 billion, part of a new crop of startups promising to reinvent how people borrow money. It has pitched itself as a technology platform connecting consumers who need help covering a major purchase and merchants eager to increase sales.</p><p><blockquote>GreenSky 于 2018 年上市，估值约为 40 亿美元，是承诺重塑人们借钱方式的新一批初创公司的一部分。它将自己定位为一个技术平台，将需要帮助的消费者和渴望增加销售额的商家联系起来。</blockquote></p><p> But missed payments rose, exposing a business that looked more like a boom-and-bust lender than a growing software company. The banks that GreenSky relied on to buy the bulk of its loans—the company isn’t itself a bank and needs outside funding — started to sour on the sector.</p><p><blockquote>但逾期付款增加，暴露了一家看起来更像是繁荣与萧条的贷款机构而不是成长中的软件公司的企业。GreenSky 购买大部分贷款所依赖的银行--该公司本身并不是银行，需要外部资金--开始对该行业不屑一顾。</blockquote></p><p> The pandemic didn’t help. Stay-at-home orders halted elective medical procedures. Renovation projects that it would have otherwise financed were snarled by supply-chain issues and labor shortages. GreenSky’s stock is down about 70% from its peak.</p><p><blockquote>大流行病于事无补。居家令停止了选择性医疗程序。它原本会资助的翻新项目因供应链问题和劳动力短缺而陷入困境。GreenSky 的股价较峰值下跌了约 70%。</blockquote></p><p> The deal price is 55% higher than GreenSky’s closing price Tuesday, though it includes a $445 million tax adjustment. David Zalik, GreenSky’s founder and largest shareholder, will join Goldman as a partner, Mr. Solomon said.</p><p><blockquote>交易价格比 GreenSky 周二的收盘价高出 55%，但其中包括 4.45 亿美元的税收调整。所罗门先生说，GreenSky 的创始人兼最大股东大卫-扎利克（David Zalik）将作为合伙人加入高盛。</blockquote></p><p> Goldman’s consumer bank, Marcus, launched in 2016 and now offers savings accounts, personal loans and investment advice. But without branches or a long history on Main Street, the firm has struck a series of partnerships to bring in customers—with Apple Inc. to launch a credit card, with JetBlue Airways Corp. to lend to travelers, and with Amazon.com Inc. to finance inventory for independent sellers in the tech giant’s marketplace. Buying GreenSky brings thousands of merchants in one fell swoop.</p><p><blockquote>高盛旗下的消费者银行 Marcus 于 2016 年推出，目前提供储蓄账户、个人贷款和投资建议。但由于在主街没有分支机构，也没有悠久的历史，该公司已经达成了一系列合作伙伴关系来吸引客户--与苹果公司合作推出信用卡，与捷蓝航空公司合作向旅行者提供贷款，与亚马逊公司合作为这家科技巨头市场上的独立卖家提供库存融资。购买GreenSky一举带来了成千上万的商家。</blockquote></p><p> GreenSky is part of the “buy now, pay later” wave of companies offering loans that let consumers spread out purchases over weeks or months, usually at lower interest rates than credit cards. Deal making in that sector has ramped up this year, with Afterpay Ltd. selling to Square Inc. for $29 billion and PayPal Holdings Inc. buying Japan’s Paidy Inc. for $2.7 billion. Those companies mostly finance online purchases, while GreenSky peddles its loans through bricks-and-mortar merchants and home-renovation contractors.</p><p><blockquote>GreenSky 是 “先买后付 ”浪潮中的一员，这些公司提供贷款，让消费者在几周或几个月内分期付款，利率通常低于信用卡。今年，该领域的交易量有所增加，Afterpay Ltd. 以 290 亿美元的价格出售给 Square Inc. PayPal控股公司以 27 亿美元的价格收购了日本的 Paidy Inc.这些公司主要为网上购物提供融资，而 GreenSky 则通过实体商家和房屋装修承包商兜售贷款。</blockquote></p><p> Goldman has long been averse to takeovers, preferring to nurture its own talent and build internally. It has been more acquisitive under Mr. Solomon, a former deal maker who took the top job in 2018. It bought a network of financial advisers in 2019 and last month struck a deal for a European money manager.</p><p><blockquote>长期以来，高盛一直反对收购，更倾向于培养自己的人才并在内部建设。所罗门先生曾是一名交易撮合者，于 2018 年担任最高职位，在他的领导下，该公司的收购力度更大。该公司于 2019 年收购了一个财务顾问网络，并于上个月与一家欧洲基金管理公司达成了交易。</blockquote></p><p> Goldman flirted with acquiring GreenSky two years ago, when GreenSky sought potential buyers after its shares tumbled. Those talks fizzled, but the company restarted a sales process earlier this year.</p><p><blockquote>两年前，高盛曾考虑收购 GreenSky，当时 GreenSky 在股价暴跌后寻找潜在买家。这些谈判失败了，但该公司今年早些时候重新启动了销售流程。</blockquote></p><p> GreenSky in July reached a settlement with the Consumer Financial Protection Bureau to resolve what the regulator called “careless business and customer service practices” that allowed merchants and contractors to take out loans on behalf of thousands of customers who didn’t ask for them. GreenSky agreed to cancel up to $9 million in outstanding loans and pay a $2.5 million penalty.</p><p><blockquote>GreenSky 于 7 月与消费者金融保护局（Consumer Financial Protection Bureau）达成和解，以解决监管机构所说的 “粗心的商业和客户服务行为”，即允许商家和承包商代表成千上万没有提出要求的客户申请贷款。GreenSky同意取消高达900万美元的未偿贷款，并支付250万美元的罚款。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.wsj.com/articles/goldman-is-buying-greensky-in-a-2-2-billion-bid-to-finance-your-childs-braces-11631706601\">The Wall Street Journal</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"GS":"高盛","GSKY":"Greensky Inc."},"source_url":"https://www.wsj.com/articles/goldman-is-buying-greensky-in-a-2-2-billion-bid-to-finance-your-childs-braces-11631706601","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1142964056","content_text":"Specialty lender helps consumers with big one-time purchases like cosmetic surgery and home improvements\nGoldman will pay roughly $12 a share in stock for specialty lender GreenSky.\nGoldman Sachs Group Inc. is buying specialty lender GreenSky Inc. for $2.2 billion, striking a deal it hopes will further its reinvention from Wall Street powerhouse to Main Street player.\nGreenSky stock Popped 45% in premarket trading.\n\nGoldman will pay roughly $12 a share in stock for GreenSky, which arranges loans for big one-time purchases like construction projects or cosmetic surgery. It works with thousands of merchants ranging from Home Depot Inc. to independent doctors and dentists, and pitches its loans as cheaper and more responsible alternatives to credit cards.\n“Our goal is to build a real banking platform of the future,” Goldman Chief Executive David Solomon said in an interview. “This moves us along in that journey.”\nGreenSky went public in 2018 at a valuation of roughly $4 billion, part of a new crop of startups promising to reinvent how people borrow money. It has pitched itself as a technology platform connecting consumers who need help covering a major purchase and merchants eager to increase sales.\nBut missed payments rose, exposing a business that looked more like a boom-and-bust lender than a growing software company. The banks that GreenSky relied on to buy the bulk of its loans—the company isn’t itself a bank and needs outside funding — started to sour on the sector.\nThe pandemic didn’t help. Stay-at-home orders halted elective medical procedures. Renovation projects that it would have otherwise financed were snarled by supply-chain issues and labor shortages. GreenSky’s stock is down about 70% from its peak.\nThe deal price is 55% higher than GreenSky’s closing price Tuesday, though it includes a $445 million tax adjustment. David Zalik, GreenSky’s founder and largest shareholder, will join Goldman as a partner, Mr. Solomon said.\nGoldman’s consumer bank, Marcus, launched in 2016 and now offers savings accounts, personal loans and investment advice. But without branches or a long history on Main Street, the firm has struck a series of partnerships to bring in customers—with Apple Inc. to launch a credit card, with JetBlue Airways Corp. to lend to travelers, and with Amazon.com Inc. to finance inventory for independent sellers in the tech giant’s marketplace. Buying GreenSky brings thousands of merchants in one fell swoop.\nGreenSky is part of the “buy now, pay later” wave of companies offering loans that let consumers spread out purchases over weeks or months, usually at lower interest rates than credit cards. Deal making in that sector has ramped up this year, with Afterpay Ltd. selling to Square Inc. for $29 billion and PayPal Holdings Inc. buying Japan’s Paidy Inc. for $2.7 billion. Those companies mostly finance online purchases, while GreenSky peddles its loans through bricks-and-mortar merchants and home-renovation contractors.\nGoldman has long been averse to takeovers, preferring to nurture its own talent and build internally. It has been more acquisitive under Mr. Solomon, a former deal maker who took the top job in 2018. It bought a network of financial advisers in 2019 and last month struck a deal for a European money manager.\nGoldman flirted with acquiring GreenSky two years ago, when GreenSky sought potential buyers after its shares tumbled. Those talks fizzled, but the company restarted a sales process earlier this year.\nGreenSky in July reached a settlement with the Consumer Financial Protection Bureau to resolve what the regulator called “careless business and customer service practices” that allowed merchants and contractors to take out loans on behalf of thousands of customers who didn’t ask for them. GreenSky agreed to cancel up to $9 million in outstanding loans and pay a $2.5 million penalty.","news_type":1,"symbols_score_info":{"GS":0.9,"GSKY":0.9}},"isVote":1,"tweetType":1,"viewCount":2160,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":3,"subscribersOnly":false,"subscribersOnlyAccessible":false,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/882569554"}
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