It all started from an investment club that I've launched as a side hustle. I spent huge amount of time researching and studying some basic machine learning techniques and eventually worked out a few plausible underwriting models. Got a few friends who were excited to follow and launched a smallish credit portfolio investing in loans via lending platforms. It's been a great success but difficult to scale... I therefore decided to go independent looking to build my own origination and underwriting app. It turned out there is an unmet demand in alternative funding sources for founders who aren't willing to go down the VC route. This is how the idea of EpsiFund was initially born! There is a bit more to it one can read here: https://medium.com/@team_92127/go-with-the-flow-2943713c96e5