How to take a new credit product you want to launch and build it in a compliant way. The product requirements need to translate to acceptable regulatory
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We've found that startups can build robust teams by relocating talent from non-competitive locations. It results in a strong and diverse culture with…
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I will share 5 key steps to think about when starting a credit focused company. If you follow these steps, you'll increase your chances of building a…
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As you scale a credit startup, raising a debt facility is one of the functions for the founders. It is still untractable for most. Learning it early in…
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Raising a debt facility is complex but important. Founders don’t have clarity on the process or the terms. I'll share common terms you can expect in a…
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I reviewed Affirm's recent S-1 filing to dig deeper into their product, business model, and growth. Is Affirm a buy at the IPO?
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Upstart recently filed for IPO. Here's our take on product, growth, competitors, business moat, and valuation.
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It's hard to topple banks and other incumbents in fintech. This is a framework on building fintech businesses that compete with banks and eventually…
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There are 5 areas in a lending business - product, acquisition, underwriting, debt capital, and compliance. I share how founders can build a business by…
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It is difficult to start a fintech company. But it's even more difficult to scale and offer multiple products. In this post, I discuss the dynamics and…
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I discuss trends and my thoughts on fintech companies from the current batch. These are the last 17 fintech companies from Y Combinator's most recent…
Again, in 2016 I wrote a post on what is needed for a country to build a healthy credit system. A fundamental infrastructure is important for building…