Santiago Suarez (@SantiaSua) of Addi joins Erik on this episode. They Discuss:

- Is lending a cyclical business
- Lending as a form of customer acquisition
- What can fintech lending companies learn from Affirm and Square
- How lending in LatAm differs from North America
- How to develop competitive advantages as a lending business in LatAm
- Lessons to learn from scaling very fast
- How to hire early employees
- How to decide your company’s culture
- How can lending startups compete with banks
- How should lending startups think about balance sheet risk
- How has the lending ecosystem changed in the past decade
- Thoughts on Clearanc
- Common mistakes of finch startups

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Venture Stories is brought to you by Village Global, and is hosted by co-founder and partner, Erik Torenberg.