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 startupsThanks for listening — if you like what you hear, please review us on your favorite podcast platform.Check us out on the web at villageglobal.vc or get in touch with us on Twitter @villageglobal.Venture Stories is brought to you by Village Global, and is hosted by co-founder and partner, Erik Torenberg.