An AI-powered link in the chain

How to Lend Money to Strangers

Brendan le Grange

Credit, Fintech, Management, Lending, Banking, Business, Careers

5 • 2.6K Ratings

🗓️ 3 July 2025

⏱️ 31 minutes

🔗️ Recording | iTunes | RSS

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Summary

Simplified funding for SMEs: pre-qualification in minutes, funded within a day, this is not the business lending of yesteryear.

Credibly is at home online at https://www.credibly.com/

You can find Ryan on LinkedIn at https://www.linkedin.com/in/ryan-rosett-262b642/

While Credibly is there at https://www.linkedin.com/company/credibly/

I am on LinkedIn, too, at https://www.linkedin.com/in/brendanlegrange/ as is the show, at https://www.linkedin.com/company/how-to-lend-money-to-strangers

You can support the show by buying one of my guests via the affiliate links on my site (it doesn't cost you anything extra): https://www.howtolendmoneytostrangers.show/recommended-reads

Commercial partners include (when you click one of these affiliate links, I earn a small commission but you won't pay a cent more)

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Friends of the show include: https://www.ontap.co.za/pages/hoedspruit-store-details (for all your Hoedspruit-based bathroom needs), https://www.joinhumoni.com, and https://chaos-out-of-order.com/

And since you like podcasts, I'm also co-create hAIghtened senses with Christo van Zyl, in which looks at the intersection between human senses and technology

Keep well, Brendan

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Transcript

Click on a timestamp to play from that location

0:00.0	Both candidates, you know, sort of are touting small businesses being the backbone of
0:04.3	the U.S. economy, which I agree with. That being said, the ability to react to small
0:10.6	businesses' capital needs and underwrite it in an efficient way is challenging. And that's
0:16.6	what I think we have learned and done well is really sort of capture how the principles of our
0:22.1	underwriting is cash flow underwriting.
0:29.6	I've said it before on the show, and I'll say it again, small business lending is where all
0:35.4	the cool stuff is happening these days.
0:40.5	Mix that with a clever implementation of Gen A.I.
0:42.4	And you have a cracking episode.
0:58.3	Ryan Rosette, founder and co-CEO at Credibly, welcome to the show.
1:00.1	Thanks, Brandon. I appreciate it. Thanks for having me.
1:01.2	Oh, it's a pleasure.
1:06.7	Ryan, you've been leading the development and growth of Credibly for 13 years now,
1:12.8	leveraging data science and technology to create customer-centric products and services for small and medium-sized businesses. But before that, you were in real estate. So let's start
1:18.5	there and work our way towards the credit side of things. What did your early career look like?
1:24.2	And maybe were there any lessons in there from your time actually on the front end of
1:28.8	real estate that you've brought with you in build incredibly? Yeah. Your question. I mean,
1:34.0	like I would say like any business person, like all experiences like I think have some relevance
1:40.0	to like what you do or you should be able to make sense of sort of your past experiences
1:44.8	and apply it to what you're currently doing. So in the past, I was in real estate development
1:48.5	and I'm a lawyer by education. I never practiced law. I then got into land development, which is
1:55.3	largely taking a piece of property, going through the entitlement of the property, so rezoning the property,
	...

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