The Risk Appetite Podcast
The Risk Appetite Podcast
Supercharging the SME lending process
0:00
-47:30

Supercharging the SME lending process

How one business leader has spearheaded innovation in the SME lending world - bringing the seemingly impossible to life!

From consultant through to strategy and marketing at Amex, and then a principal at Bain & Company, Katrin went on to start Funding Xchange which digitises the lending process, speeding it up to a previously unimaginable extent.

In this episode Katrin talks about this journey and how her passion for the outcome trumps her passion for technology. She discusses her educational background, the challenges of starting a business, and the impact of COVID-19 on the financial landscape. Katrin emphasises the importance of understanding business psychology, the role of data in lending, and the need for personalised feedback for businesses seeking funding.

She also reflects on the future of debt financing and the ongoing challenges faced by small businesses in a changing economy.

Key moments in the episode

02:49 Education and Early Career: The Path to Strategy Consulting

05:59 Founding Funding Exchange: The Entrepreneurial Leap

08:54 Navigating the Financial Landscape: Insights from Bain

11:55 Funding Challenges: Building a Business from Scratch

14:53 Mandatory Bank Referrals: Transforming Access to Finance

18:12 Understanding Business Psychology: Overcoming Funding Rejections

21:02 The Role of Data in Commercial Lending

23:49 COVID-19 Impact: Adapting to Rapid Changes

27:11 Post-COVID Landscape: Debt Levels and Business Viability

29:57 Future Challenges: Debt Financing in a Changing Economy

32:51 Vision for the Future: Making Funding Accessible

35:46 Personal Reflections: Balancing Family and Entrepreneurship

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