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他們會透過互聯網大數據去審核貸款申請，因為沒有分行，亦沒有推銷員，可以減低借貸的利率

WeLab now boasts 2.5 million customers in Hong Kong and the mainland, a loan volume of 9 billion yuan (HK$10.7 billion) and last month announced it had raised US$160 million in its latest funding round.

The new $160 million financing at a near-unicorn valuation for Hong Kong-based fintech innovation WeLab sets a new benchmark for the city’s bustling startup scene.

網貸平台 WeLab 宣布，該公司獲得12億元B輪融資，用作優化全網上貸款的自動批核及放款流程

本港互聯網貸款公司 WeLab 完成12億港元的第二輪（B輪）融資，由馬來西亞國家主權基金國庫控股、荷蘭國際集團（ING）、南豐集團及省屬國企「粵科金融投資」入股

ING Bank, Malaysia’s Khazanah Nasional Bhd. and Chinese state fund Guangdong Technology Financial Group participated in WeLab’s latest round of financing, which raised $160 million

The target market is small to midsized borrowers, who have traditionally had few sources from which to obtain funds conveniently and affordably in Hong Kong

Welab卻反其道而行，透過大幅縮減還款期，既方便應急的借貸人，亦可減省他們的利息支出。

WeLab leverages big data and web technology to shorten the time it takes to get a loan to only 24 hours for qualified customers.

…所有都在網上做妥，因此成本較低，息率也可以調低

一向以客為先的Welend.hk打破舊有慣例，向申請私人貸款的客戶，送上0%息稅貸*，真心幫助客戶解決稅務問題

…這類的創意，不但為香港過於單一化的經濟注入清新空氣，推動創新經濟，以及帶來的正面界外效應

We are very excited about WeLab’s cutting-edge risk and fraud control technology, which has the ability to leverage big data, a massive untapped opportunity in the region,” said Ken Yeung, chief executive of TOM Group

WeLab Holdings, an Internet finance start-up in Hong Kong, said on Monday that it had raised $14 million from Li Ka-shing, Asia’s richest man, and Sequoia Capital, a stalwart of Silicon Valley.

優點在於客戶可隨時全數清還，亦無隱藏費用及支出… WeLend.hk 仍能以「較低息借貸」脫穎而出

WeLab 與「財仔」(財務公司)的最大分別是，會對客戶的信貸紀錄、月入及工作穩定性方面有嚴格要求，風險管理準則靠近銀行的模式。

WeLend 貸款息率，貼近市場低息下限區定位，以貸款額10萬元、同一風險類別計，年息率為 3 至 25 厘，銀行普遍為 7 至 35 厘，財務公司則達 10 至 48 厘。