Why Small Business Loans Are Broken (Fintech CEO Reveals Fix) Podcast By cover art

Why Small Business Loans Are Broken (Fintech CEO Reveals Fix)

Why Small Business Loans Are Broken (Fintech CEO Reveals Fix)

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  • 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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