Ryan Rosett, CEO of Credibly, shares how he built a thriving fintech without relying on venture capital, emphasizing that culture and transparency outlast quick funding. By bootstrapping through crises, leveraging modular microservices, and blending human expertise with AI, Credibly processes millions in loans rapidly and securely. Their hybrid in-office culture fosters innovation and knowledge sharing, while their Midwest roots provide cost and loyalty advantages. Rosett urges founders to prioritize discipline, modular tech, and trust-based culture over rapid fundraising. His journey proves that sustainable growth and resilience come from smart decisions, not just capital. Want to see how Credibly’s human-first, tech-smart approach can help your business? Learn more about their small business lending solutions at credibly.com.