OCN押注网约车司机信用可靠：8600万美元A轮融资，墨西哥2.5万辆出租车队

做的是什么生意

OCN sells all-inclusive car subscriptions — an EV, insurance, maintenance and 24/7 support in one weekly fee with a rent-to-own option — to rideshare drivers in Mexico and the US.

启动资金：US$86M Series A (equity + debt, Jul 2024); US$150M equity/debt package led by Portage Ventures and i80 Group (Jul 2025); undisclosed Series B in early 2025

起因

Mairon Sandoval co-founded OCN (originally OneCarNow!) with Manuel Cangas in Mexico in 2022. The wedge was personal: as a young rideshare driver, Sandoval could not access car financing, and fewer than 3% of ride-hail drivers in the region qualify for a traditional auto loan.

经过

OCN grew from a 17-car pilot into a subscription fleet bundling EVs, insurance, maintenance, 24/7 support and a 4,000-mile monthly allowance, with a rent-to-own option after 24–36 months. In July 2024 it raised an US$86M Series A — equity from Great North Ventures, Collide Capital and Brazil's Caravela Capital, debt from i80 Group — and launched in Miami in October 2024. By 2025 it served 25,000+ drivers in 22 states, claimed a 98% portfolio return rate and profitability since early on, and announced a US$150M package to triple the fleet to 15,000 vehicles.

结果

Scaling: operates in 22 Mexican states plus Florida and Texas, targets 15,000 vehicles in Mexico, added an InDrive fleet alliance in 2026, and plans a Brazil entry; still private, asset-heavy and debt-funded.

可借鉴之处

当银行基于错误的数据进行评分时，替代性承保不是小众市场，而是一个市场：OCN通过让资产本身成为抵押品，将“不可银行化”的司机变成了车队。