Andres Klaric
speaker
409 appearances
1 recordings
1 series
first heard Jul 2026
last heard 6 Jul
Andres Klaric’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jul 2026 with 1.
Appearances
I don't know if had I not had that natural pause that the pandemic gave us all, if I would have started a business, maybe it would have been later, right?
But um the pandemic was just a natural and very fertile ground for those thoughts to flourish and kind of six years later here we are still fighting the fight, but
now.
Yeah, the first um I I I always tell founders kind of very my advice is very basic to founders, right?
It's um I did not want to be a lifelong entrepreneur.
I mm
I lifestyle I was not doing because of lifestyle.
I were to build something that kind of outlived me and I was going to put uh a finite amount of time uh to like to find the truth or like uh early proof points of that the idea was was going to have legs, right?
So at that point the original idea was uh refinancing, right?
Like where rates pretty much
close to zero in that era, um there was a massive uh expansion of those businesses, right?
But the process for refinancing credit in the US is pretty cumbersome.
Like f full of uh manual work, like the FedEx here, UPS here, like signed the paper docs, and we wanted to digitize that, right?
So
That was your I I saw an opportunity to make it much quicker.
Yeah
give people uh kind of mirror the same levels of refinancing rates that you see in the mortgage space at the level of auto uh uh uh if at the mortgage rates and kind of the which were were above fifty percent and do the same thing in other credit categories, starting with the card lending.
And that was uh very fun.
I mean we we s we saw the kind of the first points uh we were raised uh uh as remember as you remember correctly, uh friends and family around then.
Uh but we quickly uh started getting the same repetitive question from the lenders that we were selling loans to because we we were not balance sheet lenders, we were actually originating loans on behalf of banks
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