
Why Small Business Loans Are Broken (Fintech CEO Reveals Fix)
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About this listen
- 75% of small businesses get rejected for loans - but what if the system is rigged? Michel de Rijk, Founder of Kredit Hero, exposes why traditional SME lending is broken and reveals how AI-powered marketplaces are revolutionizing business financing across Asia.In this episode of The Generalists, hosts Michael Smith Jr. and Razko Kotler welcome Michel de Rijk, Founder of Kredit Hero, to discuss:
- His journey from adtech (iWonder) to building programmatic platforms like Xaxis and leading growth at S4 Capital
- Co-founding 19Volt’s venture-builder model and launching Kredit Hero, an AI-powered SME lending marketplace in the Philippines
- How Kredit Hero matches lenders and borrowers digitally—closing Asia’s SME financing gap with speed, transparency, and competitive pricing
00:00 Introduction & Episode Kickoff 00:17 Meeting Michel de Rijk & Singapore Journey 02:21 Building Xaxis & Programmatic Advertising 03:41 Transition to S4 Capital & Global Growth 11:48 Launching 19Volt & Venture Building Model 14:17 Kredit Hero: SME Lending Revolution 32:39 Lender–Borrower Matching & Transparency 34:20 Philippines Launch: Market Impact 35:18 Revenue Model & Competitive Advantage 35:59 Career Reflections & Ecosystem Challenges 50:38 Balancing Work, Life & Physical Wellness Hosts:
- Michael Smith Jr.: https://www.linkedin.com/in/smittysgp/
- Razko Kotler: https://www.linkedin.com/in/razko282/
Guest:
- Michel de Rijk: https://www.linkedin.com/in/mderijk/
Resources & Links:
- The Generalists Podcast: https://www.youtube.com/@TheGeneralistsPodcast
- Kredit Hero: https://kredithero.com 19Volt: https://www.19volt.com
- S4 Capital: https://www.s4capital.com
- WPP: https://www.wpp.com/
#GeneralistsPodcast #SmallBusinessLending #FintechTrends
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