The Digital Dividend by Fasanara Capital

Fasanara Capital
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An inside track to the future of asset-based finance (ABF) and fintech lending. Each month, we spotlight emerging players and disruptive business models in the fast-evolving world of alternative credit. Through expert interviews and exclusive insights, we decode the decisions happening behind closed doors, where capital meets technology to drive the future of digital finance. Stay informed. Stay ahead. Welcome to the Digital Dividend – by Fasanara Capital.

  1. 06/06/2025

    #15 – Tide – Business Financial Platform Supporting SMEs in the UK, India, and Germany

    In this episode we are joined by Scott Donnelly, a VP at Tide leading their lending efforts. Through the discussion we learn how Tide designed their new Credit Flex product to serve as an instant working capital solution to service their > 1 million global clients. Scott dives into the important role that structured data fed into tailored, internally-built, monitoring tools plays in enabling them to assess, in real-time, the impact of underwriting and scoring model changes on portfolio performance. Already serving more than one-in-ten SMEs in the UK, Tide sees the Credit Flex product as a way to address the well-known SME working capital gap by enabling customers to either split already made payments or new payments across multiple months.  © Fasanara Capital Ltd  This episode has been produced and edited by John Jacobs    Disclaimer:   Please note the Digital Dividend is an informational podcast and does not provide investment advice or recommendations. The information and opinions expressed in this podcast are for general informational purposes and no information or content provided on the podcast should be considered as a recommendation to follow a particular strategy or buy, sell, or hold any security or investment. The hosts of the podcast may have made investments in some of the companies discussed, and such investments may create a conflict of interest. However, the hosts and guests have voluntarily agreed to appear on the Digital Dividend and have not received any compensation or payment for doing so. The podcast is not intended to be a substitute for professional investment advice or analysis, and listeners should consult with their own investment advisors before making any investment decisions. Any reliance on the information or opinions expressed in the podcast is at the listener's own risk. By listening to this podcast, you acknowledge and agree that neither the hosts, guests, nor the companies discussed or associated with the podcast shall have any liability for any loss or damage arising from your reliance on the information or opinions expressed in the podcast. Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com © Fasanara Capital ltd

    37 min

  2. 03/03/2025

    #14 – Forus – Bridging the financing gap for MSMEs in the Kingdom of Saudi Arabia

    In this episode we are joined by Nosaibah Alrajhi, the visionary CEO and Founder of Forus. Through the discussion we learn how Nosaibah was inspired to start Forus to simultaneously bridge the financing gap micro, small, and medium-sized enterprises (MSMEs) in Saudi Arabia are faced with while also supporting the Vision 2030 goal of increasing SME’s contribution to Saudi GDP from 20% to 35% by 2030. Founded in 2019, Forus received one of the first debt crowdfunding licenses issued by the Saudi Arabian Monetary Authority (SAMA) and has provided over $390 million in funding to more than 400 SMEs to date. © Fasanara Capital Ltd  This episode has been produced and edited by John Jacobs    Disclaimer:   Please note the Digital Dividend is an informational podcast and does not provide investment advice or recommendations. The information and opinions expressed in this podcast are for general informational purposes and no information or content provided on the podcast should be considered as a recommendation to follow a particular strategy or buy, sell, or hold any security or investment. The hosts of the podcast may have made investments in some of the companies discussed, and such investments may create a conflict of interest. However, the hosts and guests have voluntarily agreed to appear on the Digital Dividend and have not received any compensation or payment for doing so. The podcast is not intended to be a substitute for professional investment advice or analysis, and listeners should consult with their own investment advisors before making any investment decisions. Any reliance on the information or opinions expressed in the podcast is at the listener's own risk. By listening to this podcast, you acknowledge and agree that neither the hosts, guests, nor the companies discussed or associated with the podcast shall have any liability for any loss or damage arising from your reliance on the information or opinions expressed in the podcast. Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com © Fasanara Capital ltd

    25 min

  3. 02/03/2025

    #13 - Flowpay - Award-winning Czech SME lender funding ecom sellers in minutes

    In this episode we are joined by William Jalloul the Founder and CEO of Flowpay, an award-winning Czech SME lender. A life-long entrepreneur, William talks us through his admirable journey, including how he built and exited a successful consulting business before testing his hand in the VC space prior to founding Flowpay. Created with the goal of providing SME borrowers with working capital funding within minutes, Flowpay leverages AI tools and data from ecom platforms to make prudent credit decisions via a fully digital process. Listen to find our more! © Fasanara Capital Ltd This episode has been produced and edited by John Jacobs Disclaimer:  Please note the Digital Dividend is an informational podcast and does not provide investment advice or recommendations. The information and opinions expressed in this podcast are for general informational purposes and no information or content provided on the podcast should be considered as a recommendation to follow a particular strategy or buy, sell, or hold any security or investment. The hosts of the podcast may have made investments in some of the companies discussed, and such investments may create a conflict of interest. However, the hosts and guests have voluntarily agreed to appear on the Digital Dividend and have not received any compensation or payment for doing so. The podcast is not intended to be a substitute for professional investment advice or analysis, and listeners should consult with their own investment advisors before making any investment decisions. Any reliance on the information or opinions expressed in the podcast is at the listener's own risk. By listening to this podcast, you acknowledge and agree that neither the hosts, guests, nor the companies discussed or associated with the podcast shall have any liability for any loss or damage arising from your reliance on the information or opinions expressed in the podcast. Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com © Fasanara Capital ltd

    37 min

  4. 12/20/2024

    #12 – Finspot – Serbian factoring lender providing fully digital working capital to SMEs

    In this episode we are joined by Finspot's trio of founders Miljan Gudelj (CEO), Jovan Milovanovic (CDO), and Ognjen Kurtic (CTO). We have an insightful conversation on how Miljan's experience running a small business that needed a better working capital funding solution sprouted the idea to partner with his tech-savvy friends Jovan and Ognjen to build a fully digital factoring lender that can provide SMEs with the funding they need at lightning fast speeds. Learning how the Finspot team leveraged a tech-driven approach towards mitigating fraud and credit risk, developing tools that are now utilized by regional banks along the way, provides us with great insight into how Finspot has built a scalable lending business that has become a go-to provider of working capital for Serbian small businesses. © Fasanara Capital Ltd Episodes have been produced and edited by Mikayel Poghosyan, Fasanara Capital Ltd Disclaimer:  Please note the Digital Dividend is an informational podcast and does not provide investment advice or recommendations. The information and opinions expressed in this podcast are for general informational purposes and no information or content provided on the podcast should be considered as a recommendation to follow a particular strategy or buy, sell, or hold any security or investment. The hosts of the podcast may have made investments in some of the companies discussed, and such investments may create a conflict of interest. However, the hosts and guests have voluntarily agreed to appear on the Digital Dividend and have not received any compensation or payment for doing so. The podcast is not intended to be a substitute for professional investment advice or analysis, and listeners should consult with their own investment advisors before making any investment decisions. Any reliance on the information or opinions expressed in the podcast is at the listener's own risk. By listening to this podcast, you acknowledge and agree that neither the hosts, guests, nor the companies discussed or associated with the podcast shall have any liability for any loss or damage arising from your reliance on the information or opinions expressed in the podcast. Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com © Fasanara Capital ltd

    40 min

  5. 07/22/2024

    #11 – Zvilo – Kosovo’s leading digital lender, fuelling trade by providing working capital digitally to SMEs

    Welcome to the  first episode of The Digital Dividend. In this episode we are joined by Zvilo's Founder and CEO Admir Imami. Leveraging the experiences gained across multiple successful exits of previously founded businesses, including a direct lender, factoring company, and asset manager, Admir has built Zvilo into the leading non-bank working capital provider in the Balkans. During our discussion Admir touches on the hurdles he faced along the route of building out a fully digital lender in a market traditionally dominated by relationship banking. Additionally, we gain insights into the unique opportunity posed by the funding gap SMEs in Kosovo currently face. Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com © Fasanara Capital ltd

    31 min

  6. 06/13/2024

    #10 – Plata – Mexican fintech credit card lender soon to be digital bank

    Welcome to the  first episode of The Digital Dividend.  In this episode we are joined by Plata's CEO and Co-Founder Neri Tollardo. Plata was born when a team from Tinkoff Bank, decided to leverage their experience of having built the first, largest, and most successful digital bank and credit card issuer in Russia to do the same in Mexico. Despite having only just launched the business in September of 2022, with lending starting in March 2023, Plata has already ramped up a > USD 75,000,000 portfolio across >350,000 active cardholders and is currently adding >50,000 customers per month, accounting for >5% of all credit card issuance in Mexico. Through the course of our discussion, Neri dives into the unique challenges Plata faced in transplanting an existing, highly successful business model and team from Russia to Mexico (and Cyprus), the hurdles faced in building out a business with the goal of complying with bank regulations from day-1, and the nuances of adapting their approach to credit to the Mexican market.  Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com © Fasanara Capital ltd

    46 min

  7. 04/11/2024

    #9 – Karmen – French fintech SME lender with a forward-looking approach

    Welcome to The Digital Dividend! In this episode we are joined by Karmen's Co-Founder Gabriel Thierry. After seeing first-hand the astronomical growth and success of revenue-based SME lending models in the US, Gabriel and his co-founder Paul seized the opportunity to be the first player to launch a tech-driven RBF lending business in their home country of France. Since launching in 2021, Karmen has provided working capital within 48 hours to over 200 SME borrowers. Through the course of our discussion, Gabriel dives into the challenges he and his team faced along their journey of launching a lending business in one of the most heavily regulated jurisdictions in Europe. In addition to getting insight into developments in the French market, we also learn about Karmen’s plans for expansion and learn about an exciting new funding channel they have been working on together with Fasanara portfolio company Untangled Finance. Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com © Fasanara Capital Ltd Episodes have been produced and edited by Mikayel Poghosyan, Fasanara Capital Ltd Disclaimer:  Please note the Digital Dividend is an informational podcast and does not provide investment advice or recommendations. The information and opinions expressed in this podcast are for general informational purposes and no information or content provided on the podcast should be considered as a recommendation to follow a particular strategy or buy, sell, or hold any security or investment. The hosts of the podcast may have made investments in some of the companies discussed, and such investments may create a conflict of interest. However, the hosts and guests have voluntarily agreed to appear on the Digital Dividend and have not received any compensation or payment for doing so. The podcast is not intended to be a substitute for professional investment advice or analysis, and listeners should consult with their own investment advisors before making any investment decisions. Any reliance on the information or opinions expressed in the podcast is at the listener's own risk. By listening to this podcast, you acknowledge and agree that neither the hosts, guests, nor the companies discussed or associated with the podcast shall have any liability for any loss or damage arising from your reliance on the information or opinions expressed in the podcast. Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com © Fasanara Capital ltd

    24 min

  8. 02/22/2024

    #8 – Tilta – German B2B BNPL embedded payment solution provider

    Welcome to The Digital Dividend! In this episode we are joined by Tilta's Founder Christoph Nicola. With the goal of enabling B2B marketplaces to provide their sellers the ability to offer extended repayment terms to their buyers via the seamless integration of Tilta in a single line of code, Tilta is a digital payment service provider and lender set to revolutionise B2B sales. Through the course of our discussion, Christoph dives into the approach he took to launching Tilta’s B2B marketplace payment solution, developments in the market and how he took a different approach to some other founders when it came to prioritising the build and testing of a prudent underwriting engine over onboarding as many clients as possible in their first few months. Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com © Fasanara Capital Ltd Episodes have been produced and edited by Mikayel Poghosyan, Fasanara Capital Ltd Disclaimer:  Please note the Digital Dividend is an informational podcast and does not provide investment advice or recommendations. The information and opinions expressed in this podcast are for general informational purposes and no information or content provided on the podcast should be considered as a recommendation to follow a particular strategy or buy, sell, or hold any security or investment. The hosts of the podcast may have made investments in some of the companies discussed, and such investments may create a conflict of interest. However, the hosts and guests have voluntarily agreed to appear on the Digital Dividend and have not received any compensation or payment for doing so. The podcast is not intended to be a substitute for professional investment advice or analysis, and listeners should consult with their own investment advisors before making any investment decisions. Any reliance on the information or opinions expressed in the podcast is at the listener's own risk. By listening to this podcast, you acknowledge and agree that neither the hosts, guests, nor the companies discussed or associated with the podcast shall have any liability for any loss or damage arising from your reliance on the information or opinions expressed in the podcast. Listen on Spotify/Apple Podcasts and everywhere else: thedigitaldividend.buzzsprout.com © Fasanara Capital ltd

    29 min
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An inside track to the future of asset-based finance (ABF) and fintech lending. Each month, we spotlight emerging players and disruptive business models in the fast-evolving world of alternative credit. Through expert interviews and exclusive insights, we decode the decisions happening behind closed doors, where capital meets technology to drive the future of digital finance. Stay informed. Stay ahead. Welcome to the Digital Dividend – by Fasanara Capital.

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