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Rohit Mittal
Rohit Mittal

258 Followers

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Feb 16, 2021

A guide to important terms in a debt term sheet

The number of fintech startups is growing quickly. Since the pandemic, all areas of financial services are being rebuilt for consumers and businesses. But growing credit businesses require debt capital. And raising debt is not commonly talked about or discussed in the public domain. …

Fintech

10 min read

Fintech

10 min read


Nov 30, 2020

Analyzing Upstart’s S-1 filing

Upstart Holdings, an online lender recently filed their S1. This is the first blog post that I have collaborated on. It was too good to pass up collaborating with another Rohit :). Y’all are in for a treat, it’s a 2-Rohit’s-for-the-price of one analysis! What is Upstart? Upstart is an…

Fintech

11 min read

Analyzing Upstart’s S-1 filing
Analyzing Upstart’s S-1 filing
Fintech

11 min read


Nov 18, 2020

Recasting incumbents in fintech

Sarah Tavel (Partner, Benchmark Capital) wrote a post on building multibillion-dollar startups. The core idea is to build a 10x product at a lower cost while “recasting incumbent cost structures.” Andy Rachleff (Co-founder, Benchmark Capital) says — Take your competitor’s biggest advantage and turn it into a weakness. These are…

Fintech

8 min read

Recasting incumbents in fintech
Recasting incumbents in fintech
Fintech

8 min read


Sep 30, 2020

The product expansion conundrum for fintech startups

All companies struggle with one question — how to expand beyond the first product. It’s a simple question on the surface but a challenging one to answer — especially for fintech companies. I am focusing on B2C fintech companies but this equally applies to B2B. …

Fintech

6 min read

The product expansion conundrum for fintech startups
The product expansion conundrum for fintech startups
Fintech

6 min read


Aug 24, 2020

Analyzing Affirm’s $400M Asset Securitization

Affirm, an online point of sale lender, completed its first securitization. Below, I’ll share what I’ve learned. In the end, I’ll also discuss key metrics that should have been in the filing. Company: Affirm is an online point of sale lender. It integrates with online retailers and offers unsecured personal loans…

Fintech

8 min read

Analyzing Affirm’s $400M Asset Securitization
Analyzing Affirm’s $400M Asset Securitization
Fintech

8 min read


Aug 3, 2020

Access vs Cost

Fintech startups have been slowly taking customers away from banks — one product at a time. These startups are also eating profitable business lines for banks. As startups scale with a unique product wedge, they have started offering new products to their large customer base. Even large tech companies are…

Fintech

3 min read

Access vs Cost
Access vs Cost
Fintech

3 min read


Published in Build the future

·Aug 27, 2019

A framework for evaluating consumer credit startups

U.S. consumer credit businesses have exploded in the last decade. There are 500+ new startups serving consumers with products at different stages of their lifecycle. These companies are offering products across all categories trying to take away consumers from the big banks. …

Fintech

6 min read

A framework for evaluating consumer credit startups
A framework for evaluating consumer credit startups
Fintech

6 min read


Published in Build the future

·Mar 4, 2019

How much do VCs make(base salary)?

Silicon Valley is a fascinating place for someone interested in technology. It is not only because of the companies but also because of the capital ecosystem. Venture Capitalists sit in the middle of capital allocation to startups. Many MBA students want to join VC firms as Associates or Principals. …

Venture Capital

4 min read

How much do VCs make(base salary)?
How much do VCs make(base salary)?
Venture Capital

4 min read


Published in Build the future

·Dec 13, 2018

Hard Work, Binary Risks and Persistence — the story of Stilt Inc.

Over the last few years, I went from being an international student on an F-1 visa to a founder of a Y Combinator-backed fintech company. …

Startup

8 min read

Hard Work, Binary Risks and Persistence — the story of Stilt Inc.
Hard Work, Binary Risks and Persistence — the story of Stilt Inc.
Startup

8 min read


Published in Build the future

·Aug 20, 2018

Financial inclusion — enabling credit for immigrants from 150+ countries

We started Stilt ~3 years ago from our apartment in San Francisco. Both Priyank and I were on visas with full-time jobs while spending nights and weeks trying to solve a problem we faced ourselves as international students, visa holders, and immigrants. When we began lending, our goal was to…

Financial Inclusion

4 min read

Financial inclusion — enabling credit for immigrants from 150+ countries
Financial inclusion — enabling credit for immigrants from 150+ countries
Financial Inclusion

4 min read

Rohit Mittal

Rohit Mittal

258 Followers

Access to credit for immigrants and the underserved- https://www.stilt.com

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