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Hosted by thefreetoaster · 🇺🇸 US · EN · 81 episodes
Established thought leaders with verified media credentials.
The Free Toaster is your best resource at the intersection of marketing, lending, and fintech. We deliver news, data, and insights to help you acquire more customers.
thefreetoaster hosts The Free Toaster, a business show with 81 episodes published.
Carlos & Nick discuss this week’s story - “ Oportun and Column Announce New Lending Partnership to Expand Access to Responsible Credit. ” At first glance, not that exciting. Just a new partner bank. Then we dug into the
Search is often just 10% of a lender's marketing mix — but Ross Cohen makes the case that it's the most powerful channel for experimentation and the best "shock absorber" when direct mail or affiliates come up short. Ros
On July 13th 2026, Carlos spoke on a panel moderated by Danielle Lauzon (Fintel Connect) with Amanda Share (Pagaya), and John Hanley (Idaho First Bank). Big ideas Carlos discusses: 1. The dangers of blindly optimizing fo
Klarna just filed to become a bank. They're the ninth major fintech since December, joining Affirm, PayPal, Upstart, Revolut, Bunq, Mission Lane, and OppFi. The OCC saw 18 de novo applications in 2025, nearly matching th
In this solo News Pod episode, Carlos unpacks the story underneath Lending Club’s recent rebrand to Happen Bank. The story was covered in this week’s Newsletter: https://www.thefreetoaster.com/p/happen-bank-is-running-ch
Carlos sits with Megan Bauer, Head Of Customer Success at Spinwheel, to discuss affiliate marketing & business lessons learned playing poker. ****** This episode is reposted from Spinwheel's Video Podcast - "What's Your
Nick and Carlos discuss an Editorial piece recently published in The Free Toaster Newsletter https://www.thefreetoaster.com/p/how-lenders-win-when-ai-calls-the The premise of the conversation -- an LLM-based personal fin
Nick and Carlos discuss an Editorial piece recently published in The Free Toaster Newsletter https://www.thefreetoaster.com/p/how-lenders-win-when-ai-calls-the The premise of the conversation -- an LLM-based personal fin
Most lenders underestimate how long it takes to get onto a major affiliate platform. The honest answer is 6 to 12 months. Sometimes 18. If one of these channels is on your 2027 roadmap, you need to start now. In this sol
Most lenders underestimate how long it takes to get onto a major affiliate platform. The honest answer is 6 to 12 months. Sometimes 18. If one of these channels is on your 2027 roadmap, you need to start now. In this sol
Pagaya filed a lawsuit against Klarna for (allegedly) stealing is underwriting. Carlos & Nick discuss the implications for fintech marketers that share their underwriting policies with affiliate marketing platforms. Toda
Pagaya filed a lawsuit against Klarna for (allegedly) stealing is underwriting. Carlos & Nick discuss the implications for fintech marketers that share their underwriting policies with affiliate marketing platforms. Toda
JD Power sued Chime in the Southern District of New York over its "America's #1 choice for banking" campaign, alleging breach of contract, trademark infringement, and false advertising. Carlos and Nick discuss, expanding
We've been writing about Cash Flow Underwriting lately. This week we continue the conversation. We expand on what we wrote this week in The Free Toaster Newsletter: https://www.thefreetoaster.com/p/will-llms-solve-distri
In an October 2024 article in The Free Toaster, Carlos laid out 3 things that would unlock distribution for Cash Flow Based Lenders. In today's episode, he shares the progress we've made on all 3 fronts over the last 18
ChatGPT just integrated Plaid, giving 200 million monthly users a personalized finance experience built on real account data. Carlos and Nick break down what that means for affiliate marketing. Credit Karma's approval od
Jeff Keltner was the first non-founder employee at Upstart. He spent over a decade there running consumer acquisition, building the bank partnership business from zero to ten banks, and managing both sides of the affilia
Carlos and Nick break down NerdWallet's Q1 2026 earnings, the first full read on the company since the stock dropped 32% post-print. Headline numbers look fine on the surface. $222M in revenue, 6% YoY growth, $34M in non
Wall St. sold off what seemed to us like a killer performance from SoFi in Q1 2026. Carlos, Nick, and special guests Rachel Lauren react to the earnings report. This news Pod expands on our reporting from this week's New
Zak Ali runs the US business at Finder, the financial comparison site that started in Australia in 2006 and launched stateside in 2015. Lending now drives roughly 40–50% of Finder US revenue across personal loans, busine
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The Free Toaster is hosted by thefreetoaster. The show is categorised under business (marketing) and has published 81 episodes.
The Free Toaster has published 81 episodes.
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