Archive - The Free Toaster

SoFi Adds $3.6B in Commitments to Loan Platform Business

Plus Step Draws Senate Scrutiny, New York Fed Links Betting to Delinquencies, FICO Scores Slip, Splitit Expands Offline, Klarna Scales $17B in U.S…

Apr 1

March 2026

News Pod #12 - Upgrade's Launch of Boost Money with John Doppke, VP of Product at Upgrade

Listen now (22 mins) | Carlos and Nick sit down with John Doppke, VP at Upgrade, to unpack Boost Money — a four-in-one financial account combining a…

Mar 27 • Carlos Caro

21:55

Klarna Card Adds 270,000 Cardholders Monthly 🤯

Plus Upgrade's Boost Money launch, Upstart's $1B FF agreement, and more.

Mar 25

E045 - Rakesh Patel, EVP of the Experian Marketplace

Listen now (45 mins) | Carlos Caro chats with Rakesh Patel, the Executive Vice President of the Experian Marketplace.

Mar 25 • Carlos Caro

44:41

E044 - Direct Mail in Consumer Lending With Dennis Fish and John Minalga of the ICS Corporation

Listen now (42 mins) | Carlos sits down with Dennis Fish and John Minalga of the ICS Corporation following a roundtable dinner with 16 consumer lending…

Mar 23 • Carlos Caro

41:31

News Pod #11 - Are Credit Card Balances At A Record High Or Flat Over The Last 10 Years?

Listen now (21 mins) | Carlos and Nick sit with Kelvin Chen, Head of Policy at the Consumer Bankers Association.

Mar 20 • Carlos Caro

20:45

E043 - Carlos' Appearance on the LendAPI Podcast With Tim Li

Listen now (45 mins) | [Show notes reposted below from the LendAPI Podcast]

Mar 19 • Carlos Caro

44:55

Upstart Applies for National Bank Charter to Simplify Lending Infrastructure

A bid to cut 248 state licenses, lower funding costs, and bring its AI lending model under one national bank framework.

Mar 18

E042 - Celebrity Fintech, Before Mr. Beast, Hosted By Alex Johnson (Reposted From Fintech Takes)

Listen now (57 mins) | REPOSTED FROM FINTECH TAKES.

Mar 17 • Carlos Caro

56:35

E041 - Tim Li, CEO of LendAPI: In-Store BNPL, Indirect Auto Lending & Building Through Content

Tim Li, CEO of LendAPI, joins Carlos live in the DC studio for a wide-ranging conversation on how LendAPI is quietly becoming the infrastructure layer…

Mar 14 • Carlos Caro

57:05

News Pod #10 - Dave's Q4 2025 Earnings Report

Carlos and Nick discuss Dave's record-breaking Q4 2025 Earnings Report.

Mar 14 • Carlos Caro

21:45

How Dave Scaled to $163.7M in Q4 Revenue After Nearly Being 'Left for Dead'

Plus, Spinwheel becomes a CRA, Robinhood's "Actual" Platinum Card, and much more...

Mar 11

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