Fintech Nexus

Fintech One-on-One #412: Blair Silverberg of Hum Capital

February 09, 2023
Fintech Nexus
Fintech One-on-One #412: Blair Silverberg of Hum Capital
Show Notes

While there has been a lot of fintech innovation in small business lending, it has mostly been focused on loans of $500,000 or less. When it comes to loans of $1 million to $50 million there has been less innovation and it is still very much a manual, relationship-based process. But that is changing.

My next guest on the Fintech One-on-One podcast is Blair Silverberg, the CEO and founder of Hum Capital. He looked at that market and realized a data-driven process could vastly improve efficiency so he has created a platform that intelligently pairs growth companies with investors and lenders. He calls Hum the world's only intelligent capital market.

In this podcast you will learn:

  • How Blair started his entrepreneurial journey at the age of six.
  • The short term and long term opportunity that Blair saw that led to Hum Capital.
  • Examples of how their platform works.
  • Why they are focused purely on quantitative data.
  • How they meet the demands of different types of investors.
  • Why they are focused on private debt over equity.
  • The range and average loan sizes
  • How they have challenged the relationship-based approach to mid-market lending.
  • The compelling pitch they make to businesses seeking capital.
  • What types of data they are working with.
  • The two simple calculations they use to help businesses compare lending products.
  • How they have removed bias from the lending process.
  • How Blair feels about the impact of the changing macroeconomic environment.
  • The different risk appetites of their investors.
  • His vision for the future of Hum Capital.

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