Ideally, the lending product would create: (1) A tech-enabled window into the creator’s business and (2) a repayment flow from the platform to the lender that mirrors the cash flows of the business. By building predictability into the unprecedented and de-risking the payback, a tech-enabled subscription platform may allow lenders to provide... See more

There is a massive opportunity for brands across technology and finance to distribute loans to their customers. By offering lending products, brands have the opportunity to increase their revenue while also driving engagement, retention, and loyalty. Despite having no or limited incremental distribution cost in cross-selling these loans, extremely... See more

As The Diff author and all-around genius Byrne Hobart emailed me in a reply to a Not Boring essay a couple years ago: “For any fintech product the question always comes down to: do they have a sustainable advantage in low CAC?” 

With the proliferation of banking APIs in the two years since, and the fierce competition in the financial services... See more