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Froda generated $57 million in revenue in 2025 by lending to the small businesses traditional banks often overlook.
In this episode, Nathan Latka sits down with Froda co-founder Oliver Mohseni to unpack the economics behind the startup bank. Froda has supported 150,000 businesses across seven markets and funded approximately $3.45 billion since launch.
Oliver explains how Froda uses retail deposits, automated underwriting, and embedded partnerships with banks, fintech companies, payment providers, and software platforms to scale its lending operation.
Listen to learn:
• How Froda makes money on an average loan of just $23,000 • Why its banking license and retail deposits create an advantage • How it prices loans at approximately 16% APR while managing credit losses • Why embedded lending helped Froda expand across Europe • How the company built a roughly $500 million active loan book
