Beyond Banks by Cobalt Intelligence

Jordan Hansen

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Beyond Banks by Cobalt Intelligence

Alternative Finance news and interviews

MAY 26

Consultant to Lender Journey with Michelle Godleske of EM Commercial Capital Group

Michelle, a FinTech founder, shares her experiences in helping small businesses obtain growth funding by leveraging her background in consulting and commercial lending. Currently refining her value proposition, Michelle aims to become a definitive lender by specifying loan amounts, target sectors, approval probabilities, and terms. Building her own financial stability is a key focus, as Michelle believes demonstrating sound capital management is crucial for lending credibility. Although she may have considered alternative career paths, Michelle has concluded that emphasizing her lending qualifications is her true direction. Driven by a significant vision for her FinTech company, she is dedicated to achieving effective execution, strong deal flow, and positive outcomes.

10 min
MAY 19

Kapitus CEO Andrew Reiser Top Alternative Lending Insights

In this exclusive deep-dive, Kapitus CEO Andrew Reiser pulls back the curtain on nearly two decades of alternative lending strategy, revealing how to build sustainable lending operations that thrive during market contractions. With battle-tested experience through 2008's financial crisis, COVID-19 disruption, and today's interest rate environment, Reiser shares the strategic framework that institutional lending executives and alternative finance leaders need to position their platforms for inevitable market cycles. You'll Discover: The "Banking Retreat Arbitrage" — how to systematically capitalize on predictable bank pullbacks during volatile periodsWhy "intelligent scale" beats pure automation: preserving underwriting edge while achieving institutional growthThe infrastructure expansion playbook: leveraging alternative lending engines across traditional asset-based verticalsWhy business lending complexity demands contextual intelligence over processing speedMarket structure predictions: consolidation trends and the coming bank acquisition waveKey Insights:From manually ringing a gong for each application to building platforms that can scale while maintaining boutique-level underwriting precision — Reiser's evolution story offers a masterclass in balancing technology with lending discipline. Learn why the best platforms treat regulatory compliance as competitive advantage and how to build capital reserves specifically to transform market stress into exponential growth opportunities. Whether you're an institutional lending executive, alternative finance leader, or fintech strategist, this conversation provides actionable intelligence for navigating the next phase of alternative lending — where banking-quality risk management meets fintech-speed customer experience. Guest: Andrew Reiser, CEO of Kapitus Topics: Alternative Lending Strategy, Market Cycle Positioning, Lending Technology, Institutional Finance, Small Business Capital

19 min
MAY 12

Business Credit Building & Scoring Insights with Ty Crandall, CEO of Credit Suite

In this episode, we dive deep into the hidden world of business fundability with Ty Crandall, CEO of Credit Suite. Discover the shocking truth behind why over 50% of business loan applications get denied before revenue or credit scores even enter the equation. We explore how modern lending's automated systems use entity recognition and pattern matching to validate business information across multiple verification sources. When data inconsistencies appear between Secretary of State records, LexisNexis reports, and other databases, decision algorithms flag potential fraud in microseconds - instantly killing deals that human underwriters never even see. Ty breaks down the critical elements of fundability that most business owners overlook, from NAICS code accuracy to proper business address validation. Learn how these cross checking procedures impact identity verification and why information retrieval processes are the silent gatekeepers of business credit access. For alternative financing professionals, this episode reveals how classification systems are transforming the lending landscape. As FinTech platforms now dominate approximately 90% of business lending, understanding these data matching fundamentals becomes essential for both lenders and borrowers. Most importantly, discover practical strategies for establishing lendable merit through proper business credit building and fundability score improvement - even for businesses without established revenue or strong personal credit. As the industry evolves with Fund Smart AI and advanced pattern recognition, this knowledge becomes your competitive advantage in securing optimal financing terms. Whether you're seeking business capital or providing alternative lending solutions, this episode delivers actionable intelligence on navigating the complex intersection of credibility, automated underwriting, and modern business financing. #AlternativeFinancing #BusinessLending #DataMatching #Fundability #BusinessCredit #UnderwritingIntelligence

20 min
MAY 5

Partner-Lender Hybrid Model with Jimmy Rios Business Funding

In this video interview, we highlight the industry's transformation from high-interest, predatory lending practices of the late 1990s (30%+ interest rates secured by personal property) to more responsible funding solutions that incorporate advisory services. Rios Business Funding is offering the Eye Level to High Level program. Rios describes a sophisticated approach that combines traditional debt financing with investment strategies to create what he calls a "third arm of income" - allocating a portion of borrowed funds to investments that generate returns to help repay the debt. Unlike traditional lenders, they partner with clients long-term to ensure success. They also help stabilize and grow the business, improving credit and financials for better future funding options. Jimmy Rios Contact Information - Website: riosbusinessfunding.com - YouTube channel: Rios Business Funding Read more https://cobaltintelligence.com/blog/podcast/partner-lender-hybrid-model-with-jimmy-rios-business-funding

21 min
APR 28

Modernizing Dealer Floor Financing with Vero Technologies

Scale Your Floor Plan Portfolio by 20% Without Adding Staff: The Vero Technologies Story Alternative Lending's Hidden Giant: The $100B+ Floor Plan Financing Market In this episode, we dive deep with John Mizzi, the innovator behind Vero Technologies, who's transforming how lenders finance inventory for auto, equipment, power sports, and RV dealerships. For lenders managing floor plan portfolios, this conversation is a game-changer. John reveals how Vero's platform eliminates the linear relationship between portfolio growth and headcount that's plagued this operationally-intensive lending segment for decades. What You'll Discover: Why the largest players (Ford Motor Credit, GM Financial) are rethinking their tech stackHow to identify dealer fraud before it impacts your bottom lineThe data ingestion platform connecting all your third-party tools in one actionable interfaceEarly warning systems that flag troubled dealers before they defaultMarket insights on how tariffs and supply chain disruptions are reshaping dealer financingIf you're providing inventory financing to dealers and still relying on spreadsheets and manual processes, this episode provides the roadmap to operational excellence in an increasingly complex market. "If your portfolio is growing and your headcount is growing at the same rate, you're doing it wrong. We're here to fix that." - John Mizzi

18 min
APR 21

Sureline Capital's Success in Transportation Factoring

Ex-banker Clint Weston reveals why he left a 20-year banking career to build Sureline Capital, focusing specifically on the trucking industry most lenders avoid like the plague. Discover the TRUTH about factoring rates, why banks are leaving small carriers high and dry, and how alternative financing is keeping America's supply chain moving despite tightening credit markets. Clint shares controversial perspectives on banking regulations, why factoring gets unfairly labeled "the F-word of lending," and the real reason most transportation businesses fail in their first three years. Whether you're an owner-operator struggling with 60-day payment terms or a fleet owner looking for growth capital, this no-BS conversation cuts through the financial jargon to show how the right working capital partner can be your competitive advantage. Warning: contains honest opinions about the future of transportation finance.

20 min
MAR 27

Law Firm Financing & Plaintiff Protection with Level Esq, Interview with CEO Justin Leto

In this interview Justin Leto presents a genuinely innovative solution to a real problem in the legal industry. He's the attorney that made legal funding better for everyone!Justin identified a clear pain point for plaintiff lawyers who finance their own cases and created an insurance product (Level) to mitigate this risk. This evolved into Level Esq, which now offers both insurance and lending to law firms.The business model makes perfect sense - lawyers front significant costs for cases that may take years to resolve, with no guarantee of success. Having an insurance product that covers these expenses in case of loss is brilliant. Their transition to also offering loans earmarked for specific cases (rather than general working capital) represents a smart evolution of the business.

25 min
MAR 27

Merchant Cash Advance Tips From SBFA Director, Steve Denis Interview

In this episode, our guest is the Executive Director of the Small Business Finance Association, Steve Denis. With his Harvard education and extensive Capitol Hill experience, Steve has become a powerful advocate for an industry that's often misunderstood. We'll discuss the critical role alternative financing plays for those mom-and-pop businesses that traditional banks often overlook - from the local mechanic to the neighborhood restaurant. Steve will share insights on regulatory challenges facing the industry, including upcoming disclosure requirements and broker regulations. If you're interested in how small businesses access capital in today's economy, or you're in the alternative finance industry yourself, you won't want to miss this episode.

20 min

Alternative Finance news and interviews

Creator

Jordan Hansen
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2K
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14
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Clean
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© Jordan Hansen
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Beyond Banks by Cobalt Intelligence