Cashflows and credit for SMEs, with Guga Gorenstein

How to Lend Money to Strangers

Brendan le Grange

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

5 • 2.6K Ratings

🗓️ 23 October 2025

⏱️ 48 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

Corporate cards, payments, accounting, and credit for growing businesses in 25+ countries - there's a lot to cover today, and then we also chat about Brazzilion fintech and Guga's impressive career!

If you're in Mexico as this comes out, I think you can still catch the Jeeves team at Mexico Tech week (https://www.mexicotechweek.mx/). If not, you can try Jeeves over at https://www.tryjeeves.com/br (or for any of the other 6 regions by removing the extension, but you all know how the internet works)

You can find Guga (Gustavo) on LinkedIn at https://www.linkedin.com/in/gorenstein/ or Jeeves at https://www.linkedin.com/company/tryjeeves

I'm on LinkedIn, too, of course, at https://www.linkedin.com/in/brendanlegrange/ as is the show 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)

ProtonVPN Browse privately with a community-owned secure VPN that safeguards your privacy. https://go.getproton.me/aff_c?offer_id=26&aff_id=12767

Ogma Risk & Analytics: Customized risk management and analytic consulting for you https://www.ogmara.com/?utm_source=HTLMTS&utm_medium=banner&utm_campaign=OGMA+intro&utm_id=2501

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, https://www.haboomoney.com/, and https://beetlesense.ai

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

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0:00.0	In the 90s, inflation in Brazil in one year was over a thousand percent.
0:05.8	So literally, if you got your money today and he didn't use it, you didn't run to the supermarket
0:10.4	to buy it, you lost money.
0:12.4	And so, Brazilians really got good at moving money fast and spending fast.
0:19.1	And the banks had to learn how to do those things. Since the 90s,
0:23.6	the liquidity of the system, the security of the system, the solvency of the bank, like all
0:28.4	those things had to really be at a very good level. Otherwise, the mess would go into the economy
0:34.1	and everything.
0:44.5	If you are the sort of person who reads the show notes of the podcast you listen to,
0:48.0	you may have noticed that over the last few episodes,
0:52.1	I've added my brother's bathroom supply store in Hutzprey, South Africa,
0:54.6	to the Friends of the show section.
0:58.3	If you're not the sort of person who reads those notes, go have a look there now.
1:01.5	But yes, about a year ago, my brother started this business.
1:06.4	If you are in Hutzpright or the larger low felt area, do go have a look.
1:10.5	Though I'm sure that's a fairly small niche of what is already a niche audience.
1:13.7	I bring this up more for the general story.
1:17.4	We were catching up the other day and he told me they've just had their best month ever,
1:18.4	which is great.
1:20.0	They're growing from strength to strength.
1:25.5	But one thing he's realized as a business owner is that all the accounting predictions and forecasts and numbers he used to run in his old career
1:28.3	are kind of meaningless. Cash flow is king. And when you're a new business and you're growing fast,
	...

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