Differentiated & Sustainable Lending Businesses

Because the Embedded Lender splits the infrastructure costs across multiple brand partners and drives down unit costs with scale, the Embedded Lender can be profitable even when a brand could not be.

1) The banks have to predict your income through the life of the loan in order to assess your ability to repay. Because banks do not have a long history of data sets on Substack revenue or other creator based content, both across borrowers and through time, they probably can’t predict your income with the same level of certainty as they can for tho... See more