The Caravan Podcast

The Caravan Podcast

Journey with us across the Muslim world as we sit down with founders, creatives, and changemakers shaping the future of business and culture. Each episode uncovers personal stories, lessons in faith, and the realities of building something meaningful. 🎙️ New episodes every other Friday 🌍 Listen & learn more at caravanpod.com ☕ Support Us: buymeacoffee.com/caravanpodcast

  1. Aug 21

    Episode 44 | Redwood Founders' Salman Bari: Zero Fees, Zero Equity, and the 99% Everyone Ignores

    Salman Bari, a leading member of the Redwood Founders team, joins the Caravan Podcast to break down how a Warwick University Islamic Society meetup turned into one of London's fastest-growing young builder communities — one that charges zero fees, takes zero equity, and is fully funded by founders who just want to give back. We talk about the failed first attempt (Summer Launchpad), the pivot that actually worked (After Hours), why 99% of UK businesses are SMEs nobody talks about, how they secured free office space in The Shard, and why London might be the next San Francisco. Chapters: 00:00 Cold open 00:45 Welcome to the show 01:31 Growing up in Dublin, moving to London for Warwick 03:47 The "everything but your degree" era 05:22 Meeting Marwan and the 99% SME stat 07:40 First attempt: the NatWest Accelerator and Summer Launchpad 11:31 Why the pivot happened 15:29 Building After Hours from scratch 17:00 Trusting the Redwood team and finding community through faith 22:26 Why they opened up beyond just Muslims 27:12 How Redwood is actually funded 30:17 Free office space and the Hawken Offices story 33:27 This year: The Shard, Google HQ, and London's inflection point 38:11 Batch sizes, zero equity, zero fees 44:24 What it actually costs to run something like this 49:57 Why he shows up every single weekend 53:48 Where he sees opportunity: SaaS vs B2C 59:17 What's next for Salman

  2. Aug 8

    Episode 43: How Saqhib Ali Is Reinventing Finance with 0 Interest Loans

    At Muslim Tech Fest in London, the Caravan Podcast interviews Saqhib Ali, founder of Zeropa, about building an interest-free microfinance alternative for essentials. Saqhib shares how hearing distressed customers while working in Lloyds’ financial distress unit inspired Zeropa’s model, why he chose not to operate as a charity to enable scale, and how the platform lends only when repayments are affordable using income/expenditure analysis, open banking, and behavioral checks. Zeropa provides 0% financing for necessities (mainly food, plus utilities, clothing, furniture, and repairs) by paying retailers directly and earning revenue via retailer rebates so customers never pay more than retail price. He discusses community poverty statistics, misconceptions that Zeropa is only for Muslims (less than 1% of applicants are Muslim), plans for UK FCA authorization and future peer-to-peer licensing, and lessons on lifelong learning and career pivots in an AI-disrupted future. 00:00 Interest and Morality 00:46 Welcome to Muslim Tech Fest 01:43 Why MTF Feels Different 03:18 Early Entrepreneur Roots 04:54 From Medicine to Banking 06:31 Distress Calls Spark Zeropa 08:49 Building Zeropa Model 13:47 Not a Charity Scale 16:37 Who Qualifies for Zero Percent 18:37 Retail Cashback Revenue 22:56 Against Buy Now Pay Later 24:23 Last Resort Lending 25:26 Food Loan Demand 26:44 Repeat Loans Rules 27:41 Pitching The Model 28:59 Muslim Community Reach 31:22 UK Regulation Plans 33:17 Growth And Underwriting 37:48 Affordability Criteria 39:28 True Zero Interest 42:18 Reinventing Yourself 43:13 Never Too Late 47:49 Where To Find Zeropa

Ratings & Reviews

5
out of 5
5 Ratings

About

Journey with us across the Muslim world as we sit down with founders, creatives, and changemakers shaping the future of business and culture. Each episode uncovers personal stories, lessons in faith, and the realities of building something meaningful. 🎙️ New episodes every other Friday 🌍 Listen & learn more at caravanpod.com ☕ Support Us: buymeacoffee.com/caravanpodcast

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