Billy Libby, CEO/Co-Founder at Upper90 – The Future of Debt, Credit, & Venture Capital
Fintech Leaders
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How to Value Equity in Credit Driven FinTechs
I think there's different ways to think about and ultimately value more of a balance sheet heavy kind of direct lender versus a vertical software business that has you know a lending component. I think it's probably just better to accept that or be more explicit about that up front than trying to emulate a high gross margin recurring revenue software business when that's not really what you are. Those are the types of businesses that we've just made a lot of time in in categories like trucking and construction and services industries where you know the lending is not the only part of the business It's a way to monetize it's also a way to accelerate customer acquisition and ultimately kind of deepen that in relationship so I
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