"The model was simple - rapid digital fulfillment for a premium cost product. It flourished for a few years but in 2015-ish the market realized capital is a commodity and there are no barriers to entry." https://t.co/6TVOG1EvBA... See more

Across multiple verticals, independent workers often lack predictable income, which presents an opportunity for lending. Early products in this space include Patreon Capital (merchant cash advances for Patreon creators), Shopify Capital, as well as horizontal creator business platforms Karat and Stir.