Where is InRento today, and where is it going? What are your top priorities for the next 12-18 months?

I've always believed that for fintech companies to build sustainable and profitable businesses, they need to be exceptionally focused on solving one specific problem for one specific market. That's exactly what we've done. Rather than constantly expanding into new verticals, we focused on perfecting our model and scaling it across different geographies. Today, we serve thousands of clients globally, ranging from retail investors to publicly listed companies. Recently, the total amount financed through our platform exceeded €100 million across eight markets. At the same time, I believe we're still only scratching the surface of the opportunity ahead. We're not reinventing the wheel. We're applying technology to one of the world's oldest industries: lending. The addressable market remains enormous, and there is still significant room for innovation, efficiency, and better access to capital.

One of my core business beliefs is that success comes from understanding which activities truly drive growth, eliminating distractions, and improving the key drivers by just 1% every day. This philosophy has shaped InRento from the beginning. It has enabled us to grow at least 2x annually since founding the company, without raising external capital since 2022. Last year alone, we tripled our business. Over the next 12 to 18 months, our priorities are simple: be 1% better than yesterday, continue (at least) doubling the business year after year, maintain conservative underwriting standards, and increase profitability for both our clients and ourselves.

How do you expect your market to evolve in a few years?

To be honest, I try not to spend too much time predicting where the market will be in a few years. We operate at the intersection of two of the world's largest industries: finance and residential real estate. In that environment, you're effectively competing with everyone, from wealthy individuals and banks to private debt funds and other alternative lenders.

From our perspective, the more important question is not how the market will evolve, but how we can continuously improve our value proposition and deliver a better experience for our clients. Markets change, competitors come and go, but companies that consistently create value tend to win over the long term.

If we continue doing what has worked so far: staying focused, improving by 1% every day, and delivering better outcomes for investors and borrowers, we will continue creating our own market opportunities. And if we do that successfully, reaching €1 billion in financed volume may be much closer than most people think.

What do you see as the ultimate edge / differentiator of InRento?

‍I believe our ultimate differentiator is our track record.In finance, everyone talks about returns, technology, and growth.

At the end of the day, what matters most is how well you assess and manage risk. In the segments where we operate, we believe we do that exceptionally well. We recently surpassed €100 million in financed volume, with zero late projects and zero defaults across the entire portfolio. From an investor's perspective, I think that speaks for itself.

From a borrower's perspective, the differentiator is speed and certainty. We can issue up to €5 million in financing in less than 10 days. At many traditional banks, it can take 10 days just to get the first meaningful response from a manager.

In other words, investors choose us because of our track record, and borrowers choose us because we combine speed with reliability. Very few financial institutions are able to deliver both at the same time.

Media covered you as much for Ironman as for InRento. How does extreme endurance sport shape the way you run a company?

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This is not extreme, these are rookie numbers in my opinion.

Sport, like any hobby, is a great way to relax and disconnect from work. If we talk about endurance multisport events, they require a lot of planning, so they have definitely improved my planning skills and, more importantly, my perseverance.

For me, these challenges are also a form of Misogi, inspired by the Japanese tradition, but interpreted as taking on one meaningful challenge each year that pushes you beyond your comfort zone.

Some people collect cars, others collect watches, while I'm building my own Misogi collection. The next one is coming up very soon and will be a bit closer to what most people would consider extreme.

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