
Episode #66
EP66: What It Takes To Build $1.5 Billion In Small Business Lending
What does it take to build a lending business that has deployed nearly $1.5 billion to small businesses over 17 years? In this episode of NCFA Fintech Fridays, David Gens, Founder and CEO of Merchant Growth, shares how he built one of Canada's leading alternative small business lenders from the ground up. We explore why many good businesses still struggle to access financing, how technology and AI are changing underwriting, what it takes to scale responsibly, and the lessons learned from serving more than 15,000 businesses. David also reflects on launching a fintech at just 22 years old, navigating changing economic cycles, building long term lending partnerships, and balancing innovation with disciplined risk management in an increasingly competitive lending market. Whether you're building a fintech, running a growing company, investing in financial innovation, or interested in the future of small business lending, this conversation delivers practical insights on entrepreneurship, lending, risk management, AI, and long term growth.






