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2021-09-15

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Goldman Is Buying GreenSky in a $2.2 Billion<blockquote>高盛将斥资22亿澳元收购GreenSky</blockquote>

Specialty lender helps consumers with big one-time purchases like cosmetic surgery and home improvem

Goldman Is Buying GreenSky in a $2.2 Billion<blockquote>高盛将斥资22亿澳元收购GreenSky</blockquote>

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{"i18n":{"language":"zh_CN"},"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":[],"fanSize":34,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"extraTitle":"","html":"<html><head></head><body>Wow</body></html>","htmlText":"<html><head></head><body>Wow</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.laohu8.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>高盛将斥资22亿澳元收购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":"Specialty lender helps consumers with big one-time purchases like cosmetic surgery and home improvements<blockquote>专业贷款机构帮助消费者进行整容手术和家居装修等一次性大额购买</blockquote> <img src=\"https://static.tigerbbs.com/62006ecfcb993b6b033219e7b9111f87\" tg-width=\"1290\" tg-height=\"859\" referrerpolicy=\"no-referrer\">Goldman will pay roughly $12 a share in stock for specialty lender GreenSky.<blockquote>高盛将以每股约12美元的价格收购专业贷款机构GreenSky。</blockquote> Goldman Sachs Group&nbsp;Inc.&nbsp;is buying specialty lender&nbsp;GreenSky&nbsp;Inc.&nbsp;for $2.2 billion, striking a deal it hopes will further its reinvention from Wall Street powerhouse to Main Street player.<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将其从华尔街巨头重塑为大街参与者。</blockquote> GreenSky stock Popped 45% in premarket trading.<blockquote>GreenSky股价在盘前交易中上涨45%。</blockquote> <img src=\"https://static.tigerbbs.com/2f590f5d801f51cec03c370bbc52edc3\" tg-width=\"848\" tg-height=\"634\" width=\"100%\" height=\"auto\"><blockquote></blockquote> 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&nbsp;Home Depot&nbsp;Inc.&nbsp;to independent doctors and dentists, and pitches its loans as cheaper and more responsible alternatives to credit cards.<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采购安排贷款。它与从家得宝公司到独立医生和牙医等数千家商家合作，并将其贷款宣传为信用卡更便宜、更负责任的替代品。</blockquote> “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.”<blockquote>高盛首席执行官大卫·所罗门在接受采访时表示：“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继续前进。”</blockquote> 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&nbsp;a technology platform&nbsp;connecting consumers who need help covering a major purchase and merchants eager to increase sales.<blockquote>GreenSky于2018年上市，估值约为40亿美元，是承诺重塑人们借贷方式的新一代初创公司的一部分。它将自己定位为一个技术平台，将需要帮助购买大宗商品的消费者和渴望增加销售额的商家联系起来。</blockquote> 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&nbsp;—&nbsp;started to sour&nbsp;on the sector.<blockquote>但拖欠付款的情况有所增加，使这家企业看起来更像是一家繁荣与萧条的贷款机构，而不是一家成长中的软件公司。GreenSky赖以购买大部分贷款的银行——该公司本身不是银行，需要外部资金——开始对该行业产生不利影响。</blockquote> 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.<blockquote>疫情没有帮助。居家令停止了选择性医疗程序。原本该公司资助的改造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> 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.<blockquote>该交易价格比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。所罗门表示，GreenSky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> 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&nbsp;Apple&nbsp;Inc.&nbsp;to launch a credit card, with&nbsp;JetBlue Airways&nbsp;Corp.&nbsp;to lend to travelers, and with&nbsp;Amazon.com&nbsp;Inc.&nbsp;to finance inventory for independent sellers in the tech giant’s marketplace. Buying GreenSky brings thousands of merchants in one fell swoop.<blockquote>高盛的消费者银行Marcus于2016年推出，目前提供储蓄账户、个人贷款和投资建议。但该公司在大街上没有分支机构，也没有悠久的历史，但它已经建立了一系列合作伙伴关系来吸引客户——与苹果公司推出信用卡，与捷蓝航空公司向旅行者提供贷款，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一举带来数千商家。</blockquote> GreenSky is part of the&nbsp;“buy now, pay later”&nbsp;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&nbsp;Afterpay&nbsp;Ltd.&nbsp;selling to Square Inc. for $29 billion and&nbsp;PayPal Holdings&nbsp;Inc.&nbsp;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.<blockquote>GreenSky是“先买后付”公司浪潮的一部分，这些公司提供贷款，让消费者在数周或数月内分散购买，通常利率低于信用卡。今年，该行业的交易数量有所增加，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.。这些公司主要为在线购买提供融资，而GreenSky则通过实体商家和家居装修承包商兜售贷款。</blockquote> 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&nbsp;struck a deal for a European money manager.<blockquote>高盛长期以来一直反对收购，更喜欢培养自己的人才并进行内部建设。在2018年就任最高职位的前交易撮合者所罗门(Solomon)的领导下，该公司的收购力度更加强劲。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> Goldman flirted with acquiring GreenSky&nbsp;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.<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，但该公司在今年早些时候重新启动了销售流程。</blockquote> 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.<blockquote>GreenSky于7月与消费者金融保护局达成和解，以解决监管机构所称的“粗心的业务和客户服务行为”，这些行为允许商家和承包商代表数千名没有提出要求的客户获得贷款。GreenSky同意取消高达900万美元的未偿还贷款，并支付250万美元的罚款。</blockquote>","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>高盛将斥资22亿澳元收购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>高盛将斥资22亿澳元收购GreenSky</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nThe Wall Street Journal2021-09-15 20:16\n\n</h4>\n</header>\n<article>\nSpecialty lender helps consumers with big one-time purchases like cosmetic surgery and home improvements<blockquote>专业贷款机构帮助消费者进行整容手术和家居装修等一次性大额购买</blockquote> <img src=\"https://static.tigerbbs.com/62006ecfcb993b6b033219e7b9111f87\" tg-width=\"1290\" tg-height=\"859\" referrerpolicy=\"no-referrer\">Goldman will pay roughly $12 a share in stock for specialty lender GreenSky.<blockquote>高盛将以每股约12美元的价格收购专业贷款机构GreenSky。</blockquote> Goldman Sachs Group&nbsp;Inc.&nbsp;is buying specialty lender&nbsp;GreenSky&nbsp;Inc.&nbsp;for $2.2 billion, striking a deal it hopes will further its reinvention from Wall Street powerhouse to Main Street player.<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将其从华尔街巨头重塑为大街参与者。</blockquote> GreenSky stock Popped 45% in premarket trading.<blockquote>GreenSky股价在盘前交易中上涨45%。</blockquote> <img src=\"https://static.tigerbbs.com/2f590f5d801f51cec03c370bbc52edc3\" tg-width=\"848\" tg-height=\"634\" width=\"100%\" height=\"auto\"><blockquote></blockquote> 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&nbsp;Home Depot&nbsp;Inc.&nbsp;to independent doctors and dentists, and pitches its loans as cheaper and more responsible alternatives to credit cards.<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采购安排贷款。它与从家得宝公司到独立医生和牙医等数千家商家合作，并将其贷款宣传为信用卡更便宜、更负责任的替代品。</blockquote> “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.”<blockquote>高盛首席执行官大卫·所罗门在接受采访时表示：“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继续前进。”</blockquote> 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&nbsp;a technology platform&nbsp;connecting consumers who need help covering a major purchase and merchants eager to increase sales.<blockquote>GreenSky于2018年上市，估值约为40亿美元，是承诺重塑人们借贷方式的新一代初创公司的一部分。它将自己定位为一个技术平台，将需要帮助购买大宗商品的消费者和渴望增加销售额的商家联系起来。</blockquote> 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&nbsp;—&nbsp;started to sour&nbsp;on the sector.<blockquote>但拖欠付款的情况有所增加，使这家企业看起来更像是一家繁荣与萧条的贷款机构，而不是一家成长中的软件公司。GreenSky赖以购买大部分贷款的银行——该公司本身不是银行，需要外部资金——开始对该行业产生不利影响。</blockquote> 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.<blockquote>疫情没有帮助。居家令停止了选择性医疗程序。原本该公司资助的改造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> 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.<blockquote>该交易价格比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。所罗门表示，GreenSky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> 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&nbsp;Apple&nbsp;Inc.&nbsp;to launch a credit card, with&nbsp;JetBlue Airways&nbsp;Corp.&nbsp;to lend to travelers, and with&nbsp;Amazon.com&nbsp;Inc.&nbsp;to finance inventory for independent sellers in the tech giant’s marketplace. Buying GreenSky brings thousands of merchants in one fell swoop.<blockquote>高盛的消费者银行Marcus于2016年推出，目前提供储蓄账户、个人贷款和投资建议。但该公司在大街上没有分支机构，也没有悠久的历史，但它已经建立了一系列合作伙伴关系来吸引客户——与苹果公司推出信用卡，与捷蓝航空公司向旅行者提供贷款，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一举带来数千商家。</blockquote> GreenSky is part of the&nbsp;“buy now, pay later”&nbsp;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&nbsp;Afterpay&nbsp;Ltd.&nbsp;selling to Square Inc. for $29 billion and&nbsp;PayPal Holdings&nbsp;Inc.&nbsp;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.<blockquote>GreenSky是“先买后付”公司浪潮的一部分，这些公司提供贷款，让消费者在数周或数月内分散购买，通常利率低于信用卡。今年，该行业的交易数量有所增加，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.。这些公司主要为在线购买提供融资，而GreenSky则通过实体商家和家居装修承包商兜售贷款。</blockquote> 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&nbsp;struck a deal for a European money manager.<blockquote>高盛长期以来一直反对收购，更喜欢培养自己的人才并进行内部建设。在2018年就任最高职位的前交易撮合者所罗门(Solomon)的领导下，该公司的收购力度更加强劲。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> Goldman flirted with acquiring GreenSky&nbsp;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.<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，但该公司在今年早些时候重新启动了销售流程。</blockquote> 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.<blockquote>GreenSky于7月与消费者金融保护局达成和解，以解决监管机构所称的“粗心的业务和客户服务行为”，这些行为允许商家和承包商代表数千名没有提出要求的客户获得贷款。GreenSky同意取消高达900万美元的未偿还贷款，并支付250万美元的罚款。</blockquote>\n<div class=\"bt-text\">\n\n\n 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>\n为提升您的阅读体验，我们对本页面进行了排版优化\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":1256,"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,"xxTargetLangEnum":"ORIG"},"commentList":[],"hasMoreComment":false,"orderType":2}