Capital Disruption

The stories of nine pioneers and their vision to change the lending industry

by Dudley K Beyler

A book sharing the stories of entrepreneurs with a vision, humble beginnings, finding market acceptance and their subsequent growth.

Nav Athwal, founder of Realty Shares, was a real estate deal sponsor, broker and lawyer who recognized the lack of capital efficiency at the sub-institutional level. He set out to fix this and has since executed over $500 million in real estate transactions.

Frank Rotman and his partners at QED Investors took a credit card spin off out of a regional bank and built what is now commonly recognized as Capital One. They since left Capital One, founded QED and funded fintech companies, now with billion dollar valuations, at their earliest stages.


After struggling to get credit for his business, Sam Hodges, his partners and team built Funding Circle. Since 2010, Funding Cricle has lent more than $3 billion to over 25,000 small-and-medium-sized businesses.

  • Sam Hodges: Co-Founder, Funding Circle
  • Nav Athwal: Founder, Realty Shares
  • Denise Thomas: Founder, Apple Pie Capital
  • Frank Rotman: Founding Partner, QED Investors
  • Nathan Popkins: Founder, Align Income Share Funding
  • Jorge Sun: Founder, LendingFront
  • Krista Morgan; Co-Founder, P2Binvestor
  • Jason Fritton: Founder, Patch of Land
  • Peter Renton: Founder, Lend Academy

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"Patch of Land launched their first loan of $120,400 and optimistically expected the crowd to take thirty days to fund it. The first loan funded in two days. A lending platform was born."

"We have found an unexplored niche of the internet." - Krista Morgan Co-Founder, P2Binvestor

"LendingFront's a natural outcome of my OnDeck and banking experience. It's a platform that gives banks technology to lend to small business and more efficiently, profitably leveraging what we learned previously." - Jorge Sun Founder, LendingFront

"I think that lending is moving online and the reality is individuals can take advantage of that." - Peter Renton Founder, Lend Academy

"The more we kind of proceeded through that, the more we realized small, very small ticket commercial lending, in the US, is very badly broken." -Sam Hodges Co-Founder, Funding Circle

Dudley K Beyler is the founder of Laveer Capital Management. He is an investor with experience investing in many assets. He identified an opportunity in consumer "peer-to-peer" loans and began investing in 2008. Marketplace lending has since grown and he believes the story needs sharing. Dudley sought those shaping this market and asked them to share their story.

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