Lend Academy Podcast

One of the consistently positive trends in marketplace lending over the past several years has been the growth of securitization. Many, if not most, major platforms now have securitization as a key component of their capital markets strategy. Our next guest on the Lend Academy Podcast is someone who has been in the securitization space […] The post Podcast 133: Rosemary Kelley of Kroll Bond Rating Agency appeared first on Lend Academy.

The point of sale lending space is really interesting to me. Even though point of sale platforms are providing unsecured consumer loans they have some unique advantages over typical online consumer lending platforms. In many cases, their customer acquisition cost is lower and where loans are provided at physical stores there is less consumer fraud […] The post Podcast 132: Camilo Concha of LendingUSA appeared first on Lend Academy.

We have heard it many times. Small businesses are the backbone of the economy, accounting for more than half of all new jobs created. But small business owners are not necessarily experts in finance and many need serious help in this area. Our next guest on the Lend Academy Podcast is Levi King, the CEO […] The post Podcast 131: Levi King of Nav appeared first on Lend Academy.

The short term loan space has unique challenges. There is often little to no credit data on the borrowers which makes underwriting difficult. Defaults are high and therefore interest rates are high as well. The space has had a history of bad actors so the CFPB recently released new rules in order to ensure more […] The post Podcast 130: Ken Rees of Elevate appeared first on Lend Academy.

We are doing something a bit different in this episode of the Lend Academy Podcast. This episode is part entrepreneurial story, that didn’t end well, and part book review. Our latest guest is Ethan Senturia. He was the CEO and Co-Founder of Dealstruck, an online small business lender that was founded in 2013 and shut […] The post Podcast 129: Ethan Senturia of Dealstruck appeared first on Lend Academy.

The JOBS Act was supposed to open up opportunities for non-accredited investors but it really hasn’t taken off the way people expected. Non-accredited investors have few debt options today outside of Lending Club and Prosper. But there are some companies that are working hard to change that. One such company is Groundfloor. The next guest […] The post Podcast 128: Brian Dally of Groundfloor appeared first on Lend Academy.

We have not seen much in the way of global expansion when it comes to online lending platforms. Younited Credit is the largest online consumer lender in Continental Europe having crossed €500 million in total loans issued earlier this year. Based in Paris, they have recently expanded their business to Italy and Spain. Our next […] The post Podcast 127: Charles Egly of Younited Credit appeared first on Lend Academy.

Regtech, short for regulation technology, is a fast growing segment that many people say is the hottest area of fintech right now. Since the financial crisis compliance costs at banks have skyrocketed. In many ways the development of regtech is a response to that increased burden as banks look for more efficient ways to operate […] The post Podcast 126: Miles Reidy of QED Investors on Regtech appeared first on Lend Academy.

Simon Champ is a true pioneer in the online lending space. He did something that had never been done before, he created the very first publicly traded investment vehicle for online lending and in the process changed the industry forever. P2PGI launched in May of 2014 in a £200 million IPO and they have now […] The post Podcast 125: Simon Champ of P2PGI and Pollen Street Capital appeared first on Lend Academy.

One of the largest European banks, BBVA, is also one with the most aggressive in their approach to innovation. They acquired Simple back in 2014 and their venture arm, BBVA Ventures, has invested in the likes of Atom Bank, Prosper, Taulia, Coinbase and many other fintech leaders. They were one of the first large banks […] The post Podcast 124: Gustavo Vinacua of BBVA appeared first on Lend Academy.

When Rory Eakin and his co-founder, Ryan Caldbeck, created CircleUp they did so in response to a big problem. Consumer goods companies find it very difficult to raise equity capital and most Silicon Valley VCs are not interested in the category. So, they created an equity marketplace focused on that one segment. Fast forward more […] The post Podcast 123: Rory Eakin of CircleUp appeared first on Lend Academy.

The real estate crowdfunding space has been around less than five years and while dozens of platforms have launched there are only a small number gaining significant traction. The most popular segment of the market for these platforms is the fix and flip market – these are bridge loans typically 12 months or less to […] The post Podcast 122: Ray Sturm of AlphaFlow appeared first on Lend Academy.

This episode of the Lend Academy Podcast is a little bit different. We are giving listeners a preview of our next event, LendIt Europe 2017, coming up in a few days in London. I bring on my two colleagues, Ryan Lichtenwald and Todd Anderson, to discuss the show. The three of us have worked hard […] The post Podcast 121: LendIt Europe 2017 Preview appeared first on Lend Academy.

Fintech entrepreneurs starting out today have many options to help them grow their business. One of those options is to enter an accelerator program, a place where startups can go to get mentorships, education and introductions to companies that can help them move to the next level. One of the leading accelerator programs today is Plug […] The post Podcast 120: Scott Robinson of Plug and Play Fintech appeared first on Lend Academy.

I don’t think many people would argue that the car buying experience is in serious need of disruption. Sitting in a car dealership for hours while wondering whether or not you will be approved for financing is something that should have ended a decade or two ago. Enter AutoGravity. They have brought the entire car buying […] The post Podcast 119: Andy Hinrichs of AutoGravity appeared first on Lend Academy.

I first arrived in this country as an immigrant back in 1991. I tried to apply for a credit card and was rejected. Multiple times. The reality was that my stellar credit history in Australia was meaningless in this country. Our next guest on the Lend Academy Podcast is trying to solve this problem. They […] The post Podcast 118: Misha Esipov of Nova Credit appeared first on Lend Academy.

Equipment finance is one of the largest verticals with around $1 trillion in financing happening every year. We have never had a show dedicated to this space until now. Like other verticals there are some very well established legacy players as well as some enterprising and nimble fintech companies looking to do things differently. On […] The post Podcast 117: Patricia Voorhees of The Alta Group appeared first on Lend Academy.

Even people who have never heard of fintech are aware of FICO scores. The three digit number that denotes credit worthiness has been part of our financial lives for decades. What people may not be aware of, even within fintech though, is the sophistication of the company behind the FICO score. The reality is that […] The post Podcast 116: Scott Zoldi of FICO appeared first on Lend Academy.

When it comes to marketplace lending tools for retail investors there have really been two games in town: NSR Invest and LendingRobot. Both companies have served retail investors for many years and have amassed a loyal group of customers. We broke the news here earlier this month that the two companies would merge to create the […] The post Podcast 115: Bo Brustkern and Emmanuel Marot appeared first on Lend Academy.

My very first trip to China back in 2014 was because of an invitation to speak at an event hosted by Greg Gibb of Lufax in Beijing. Since then, I have been wanting to get him on the show to talk about Lufax and his story because he is, in my opinion, one of the […] The post Podcast 114: Greg Gibb of Lufax appeared first on Lend Academy.