Nikolaus Hilgenfeldt is the co-Founder & CEO of Myos, a lending startup.
His pitch starts with an explanation why he founded Myos. E-commerce has become huge with 67% of the transactions being done on marketplaces and platforms. This brings a huge opportunity for the lending business.

But the traditional banks take a „one fits it all approach“. They focus on scorings and private data (job, married, address …).

With Myos, Hilgenfeldt combines the principles of real estate lending and the principles of security lending in order to create a new way to lend money to customers in order to allow them to buy products and pay them in a flexible way.

The risk assessment model is the company's core. Instead of focussing on scoring data, Myos uses public e-commerce data to predict product revenues.
Instead of asking for personal guarantees, Myos only takes product collaterals.

Paul Knecht

Managing contracts is a topic which is also cover by our next startup, Polaroo. It is presented by David Rovira, its CSO and founder.
„Dealing with monthly expenses sucks. It is time consuming frustration and expensive.“ 
As a solution his company offers the ability for its customers to pay one monthly bill.

In doing so, Polaroo aims at creating value for the customers and providers. Consumers can expect better prices terms with no surprises or hidden costs.
Providers are being delivered not only with leads but instead wiht new clients. „We can up- and cross-sell their products“, explains Rovira.

The claim and mission of the startup: Simple, unified and tailored.

Paul Knecht