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Episode #33 – Can finance save the forest? With Georgine de Saporta, founder and CEO of Treemium

Episode #33 - Can finance save the forest? With Georgine de Saporta, founder and CEO of Treemium
Money told
Description of the episode
The French forest, particularly valuable for the climate and biodiversity, is in the grip of multiple crises: increasing mortality, which has jumped by 80% in ten years, and massive dieback. As a result of these difficulties, the capacity of the forest to store carbon is decreasing: trees have removed 40 million tonnes of CO₂ (Mt CO₂) from the atmosphere per year on average between 2013 and 2021, compared to 60 Mt CO₂ during the previous decade. A major challenge, as France is committed to achieving carbon neutrality in 2050. What if financial and digital systems, designed to rationalize the treatment of the forest, were the key to its conservation? Does the subject intrigue you? I must say that I too was delighted to meet Georgine de Saporta, the founder of Treemium and my guest for this episode…

How to gain the trust of your prospects? – David Remaud (CMO @|banFirst) – Conquest #41

Funds360
Patrick Herter - We are witnessing a form of submission of the crypto market
Description of the episode
On January 10, 2024, the SEC (Securities and Exchange Commission) approved 11 spot bitcoin ETFs, issued by asset management giants like Blackrock and Fidelity. This is a major event in the history of cryptocurrencies. With Patrick HERTER, founder of FRN Ingénierie, we will see more clearly about this regulatory change, try to understand its scope and potential impacts on the crypto market and its ecosystem.

#44 – Board, COSTRAT, COPIL: Which decision-making bodies should be set up in a startup? Feedback from Soan, with Nicolas Lemeteyer

Start to scale
#44 - Board, COSTRAT, COPIL: Which decision-making bodies should be set up in a startup? Feedback from Soan, with Nicolas Lemeteyer
Description of the episode
After a certain stage of maturity, a startup has no other choice but to imitate more traditional companies: it must set up decision-making bodies. Both for a question of transparency and for compliance reasons. In this episode, Nicolas shares with you the main bodies set up at Soan.

The Martingale # 151

The Martingale
#151: Nadim Takchi - Livret P • Should you go into debt to get rich with rental real estate?
Description of the episode
When you want to use your debt capacity to invest in real estate, you often hesitate between buying your main residence and investing in rental property. The second option is interesting because it allows you to build up wealth while generating additional income. But, it requires a lot of effort: property search, negotiations, discussions with banks, work, tenant management, etc. Nadim Takchi (CEO of Livret P) embarked on his first rental investment at the age of 25. Nadim makes maximum use of its borrowing capacity and follows a rigorous investment methodology. Barely six years were enough for him to build up a heritage of 13 real estate properties. At the microphone of Matthieu Stefani, co-founder of CosaVostra, Nadim shares with us his method of rental investment based on debt. ## Why is it worth going into debt to invest in rental property? Obtaining a bank loan to invest in rental property allows you to benefit from a powerful leverage effect: the rents collected make it possible to cover all or part of the loan maturities. Result: the property is self-financing and the investor can even succeed in generating a positive cash flow (when the rent is higher than the loan repayment deadlines). It is an excellent way: to broaden one's assets; prepare for retirement; and create additional income. ## Stock market vs Rental real estate: Nadim's opinion Nadim prefers to invest in rental real estate. According to him, the return is more interesting, safe and creates value. He gives us the following example: a person has €10 in savings. It can either invest them in the stock market or use them as a contribution to invest in real estate. Scenario 1: she invests her €10 in the stock market and obtains a very high return of 000%. Annual profit: €2. Scenario 2: She borrows €100 and invests in real estate (using her €000 savings for her contribution). His apartment gives him a 4% net return. Annual profit: €4. Scenario 2 (more pessimistic than the first) produces a result twice as important. Knowing that real estate is less fluctuating than the stock market. ## Good practices for investing in real estate thanks to a bank loan Here is the list of good practices highlighted by Nadim during our episode: When you want to invest in a big city, take taxi rides, and ask questions to drivers. They know the best neighborhoods in town! Once you have targeted a specific neighborhood, go chat with merchants and residents. This is a good way to make sure the neighborhood is a good place to invest. Use your debt capacity to the maximum, to invest and benefit from an optimal leverage effect. Focus on “liquid” properties: they must be able to be rented at the right price quickly and be sold under the best conditions (quickly and without loss of value). Go through a broker to get the best possible loan. When visiting, ask to go first. If you like the good, make an offer very quickly. When you find a property to buy, ask different real estate agents what they think of the selling price. Some may offer you a similar property for a better price. Buy without condition precedent: it is very risky, but if your situation allows it, it reduces the cost of acquisition. Always negotiate the purchase price and the borrowing rate, in order to benefit from the best possible conditions. You can follow Nadim on LinkedIn and discover Livret P here. Pros: Good news! With the code MARTINGALE, you benefit from 10€ offered during a first investment at Livret P. And you will receive the Excel file used by Nadim for its rental investments.

How I Met My Co-Founder – Defacto

How I Met My Co-Founder
Jordane, Morgan & Marc-Henri Co-founders of Defacto
Description of the episode
Recreating a startup after building a unicorn is the story of Jordane who - with Morgan and Marc-Henri - is developing Defacto, a fair and instant financing solution for SMEs. For this new episode of the How I Met My Co-Founder podcast, I welcome them to discuss with them: - Their first meeting in California for Marc-Henri and Jordane and the "Chinese restaurant" brainstorms to do ideation - Their matrix concept with the following criteria: B2B project, international market, replacement market, product-led acquisition strategy, high barrier to entry - The customer discovery phase which began with the Spendesk adventure where Jordane and Morgan - MBTI type tests/50 questions to open the discussion and get to know each other professionally - The role of routines in their relationship as co-founders with 2 meetings per week (Monday/Friday) + 1 offsite per quarter - Their method of 3-way decision-making with a scoring method - The 2 equity fundraisings with GFC (David Sainteff), Headline (Jonathan Userovici) and Northzone - Their debt raisings first with Business Angels then with Viola Credit - Their first recruitment (cc Antoine Cheron) and their reverse recruitment process - The structure of their team (without head of) and their desire to stay lean.

How I Met My Co-Founder – Leocare

How I Met My Co-Founder
Christophe & Noureddine - Co-founders of Leocare
Description of the episode
Christophe (CEO) and Noureddine (CTO) met 12 years ago at Niji. In 2017, they decided to launch Leocare, the first all-in-one neo-insurance. In this discussion, we discuss: - Their meeting at Niji and their departure to create Leocare - The ideation phase carried out with a group of 150 people close to Christophe and Noureddine - Communication between them and with the team - The first recruitments and the choice of having 2 offices (Rennes and Paris) - Series A and Series B fundraising

FinTeach – Bruno Van Haetsdaele

EndTeach
#49 - Bruno Van Haetsdaele | Linxo
Description of the episode
For this new episode, I invite you to meet Bruno Van Haetsdaele, co-founder and president of Linxo. Linxo is a set of innovative financial solutions that take advantage of Open Banking. On the program of the episode: The experience in the United States which led to the creation of Linxo, The regulatory challenges that had to be faced (#DSP2), Diversification towards B2B, The education necessary for users to "Pay with your bank account", The construction of a fintech outside Paris. Good listening !

FinTeach – Raphaël Rivière

EndTeach
#48 - Raphael Riviere | Monisnap
Description of the episode
For this new episode, I invite you to meet Raphaël Rivière, the co-founder and CEO of Monisnap, a money transfer service for the diasporas. On the program of the episode: Why move from Google to a payment fintech, How to find a place in a secular, global and oligopolistic market, Why build a hub of services around family support. Good listening !

FinTeach – Clement Boulais

EndTeach
#47 - Clement Boulais | True Layer
Description of the episode
For this new episode, I invite you to meet Clément Boulais, the General Manager France of TrueLayer. The fintech offers an innovative payment solution: smart transfers, based on Open banking. On the program of the episode: Why the credit card is not the most efficient online payment method, How data helps payment, Use cases, in particular with Revolut, of their transfer solution, The issues recruitment for a start-up (not French, moreover). Good listening !

FinTeach – Mark Kepeneghian

EndTeach
#46 - Mark Kepeneghian | kriptown
Description of the episode
For this new episode, meet Mark Kepeneghian, co-founder and president of Kriptown, a digital asset exchange to finance SMEs. On the program of the episode: How Mark went from research to entrepreneurship, The difficulties of financing for companies wishing to become ETIs, Why Kriptown is campaigning for the return of regional grants, The future of their activity, with the regulatory developments. Good listening !

FinTeach – Faysal Oudmine

EndTeach
#45 - Faysal Oudmine | Fintecture
Description of the episode
For this new episode, I invite you to meet Faysal Oudmine, co-founder and CEO of Fintecture. Fintecture offers a new method of payment: immediate transfer, different from the classic bank transfer. On the program of the episode: His 12 years of entrepreneurship, in Africa then in France, The disintermediation of the payment chain, The importance of values ​​within the team, Their choice to give BSPCE to all their employees . Good listening !

Finscale # 91

Finscale
#91 - Arbia Smiti (Rosaly) - The "FinTech for Good" that improves the financial well-being of employees
Description of the episode
After having already brilliantly succeeded in creating a start-up, developing it and selling it to a group, this passionate entrepreneur thought long and hard before embarking on a new adventure. The trigger for Arbia was the yellow vest crisis in 2019. She decided that we had to aim big for a large part of the population. She therefore decided to launch: Rosaly, a socially responsible FinTech that helps companies improve the financial well-being of their employees by streamlining access to wages and providing advice and budget education using an application. The down payment is the first step in this fabulous project that is Rosaly. You will see that Arbia's ambitions are very high with the aim of helping as many people as possible to no longer live in financial precariousness. The innovative approach of this FinTech is that of the fluidity of payroll management. Arbia goes into the details and you will see how much administrative and financial burden it is for companies to administer on a daily basis. Making payroll more flexible is a way to retain employees and give them an additional level of comfort in managing their finances. We go through the different stages of the start-up: the inventory of the market, evangelization, the search for the first customers, the construction of the solution and the financial structuring and the business model. Guest recommendations: - Dirty Money - Netflix documentary - Joy - David O. Russell film - The Founder - John Lee Hancock film

FinTeach – Jacques-Olivier Schatz

EndTeach
#39 - Jacques-Olivier Schatz | Pledge
Description of the episode
This week, I invite you to meet Jacques-Olivier Schatz, CEO of Pledg. Pledg offers split payment and deferred payment solutions. With Jacques-Olivier, we talked about the evolution of the company since its arrival 1 year ago, the role of Pledg for a more responsible credit, the diversification of the distribution methods of their product and the launch of their securitization mutual fund. This episode is supported by Mastercard. Mastercard is a partner of choice for fintechs in France and Europe and is committed to supporting their innovations and development, and thus supporting the emergence of new payment experiences that meet consumer expectations. To support new players in the payment market in France and Europe, Mastercard relies on its international network and its consulting, technological and marketing expertise and has the ability to strongly support the implementation of technological innovations for the benefit of customers. fintech through a range of services. Mastercard shares a common vision with the French FinTech: agility, speed, technological innovation, ability to imagine the banking sector of the future and to offer customers innovative financial services. Good listening !

FinTeach – Michael Diguet

EndTeach
#38 - Michael Diguet | Algoan
Description of the episode
For this new episode of FinTeach, meet Michael Diguet, co-founder and CEO of Algoan. Algoan does Credit Decisioning-as-a-Service. Said like that, it's a little scary, but I promise, it's less complicated than it seems. Together, we talked about his career, from the first application he coded and marketed to the creation of Algoan to make credit more accessible, including his association with Paul Peyré, the revolution brought about by the open banking to the world of credit, but also the alignment between the teams, the culture created internally, the evolution of his role as CEO and the shift from sales-led growth to product-led growth. Good listening !

FinTeach - Guillaume Autier

EndTeach
# 35 - Guillaume Autier⎢BestRate
Description of the episode
If you've ever made a real estate purchase and looked to compare the rates offered by the banks, your path has probably crossed that of my guest of the week. This is of course Meilleurtaux. I had the pleasure of welcoming Guillaume Autier, his CEO, to brush up on many subjects: his career before taking the head of the company 1 year ago, the strong growth of Meilleurtaux, the company's convictions regarding financial education and its presence in the French Tech 120 ranking among others. This episode is supported by a company that you surely all know: Salesforce. Salesforce supports a large number of companies in their growth. To develop, start-ups need to align their teams around the customer, throughout the contact cycle. So imagine, when they are in hypergrowth, the structuring of their activities becomes essential! This is exactly what Salesforce does with its integrated CRM platform. From sales to marketing to customer service, it delivers a seamless end-to-end experience. This is also why some of our nuggets have chosen Salesforce to support their teams. To learn more about their solutions, visit salesforce.com/en/products/. In terms of resources, Guillaume recommends Marc Fiorentino's newsletter, to train online thanks to the many MOOCs available, on OpenClassrooms for example or Coursera, and to listen to FinTeach and Finscale to keep busy during sport and energize yourself . 😉 Among French fintech entrepreneurs, he is particularly inspired by Olivier Goy, co-founder of October (episode # 14), and by Geoffroy Guigou and Charles Egly, the co-founders of Younited Credit (episode # 13). Olivier and Geoffroy are both members of the France FinTech office and have been on FinTeach, do not hesitate to go and listen to them! Good listening !

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