Happy New Year! I'm in Tallinn, hopefully showing my South African nieces some snow, though this winter is staying stubbornly mild. Anyway, that's not why you're here. The flipping over of the calendar is also a great time to think of the year ahead, and the trends that might shape it - and that's exactly what I did with David Silverstein, founder and CEO of Ned, whose 'Beyond the Breaking Point' report describes how lenders are looking to navigate volatility and rebuild for 2026.

Built for growth. Powered by cash flow. Ned's white-label platform transforms real-time financial data into faster credit decisions, smarter portfolio management, and more transparent borrower experiences. You can find them at home online at https://www.nedhelps.com/

David is on LinkedIn at https://www.linkedin.com/in/david-silverstein-b904a27b/ (or https://www.linkedin.com/company/nedhelps/)

I'm there, too, at https://www.linkedin.com/in/brendanlegrange/

Please also follow, share, and talk about the show using https://www.linkedin.com/company/how-to-lend-money-to-strangers/

Friends of the show include:

https://www.ogmara.com/ (customised risk management and analytic consulting)

https://www.ontap.co.za/pages/hoedspruit-store-details (for all your Hoedspruit-based bathroom needs)

https://flatwhiteorfoff.com/ (ask for anything other than a flat white, the answer is in the name)

https://www.joinhumoni.com/ (helping international students find accommodation, work, and financial services on day one)

https://www.haboomoney.com/ (making collections personalised, flexible and intelligent)

https://beetlesense.ai (AI-powered day one pest detection for forestry)

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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