What if the biggest reason small businesses fail isn’t bad ideas or weak founders, but the fact that money shows up late, or not at all?

In this episode, we sit down with Nicolás Villa, CEO of Platam, a Colombian fintech quietly rewiring how small and mid-sized businesses access capital across Latin America. Before Platam, Nicolás built and sold an innovation consultancy working with some of the region’s largest enterprises, then crossed the founder chasm himself, struggling with cash flow, delayed payments, and banks that simply didn’t care. That pain turned into a platform. Platam embeds credit directly where businesses buy and sell, letting capital flow through real supply chains instead of glossy pitch decks, right when timing matters most.

In Today's Epiosde We Discuss:

00:01 – Why Small Businesses Fail

02:10 – Founder Origin Story

04:30 – Experiencing the SME Credit Gap

07:00 – The Idea Behind Platam

09:20 – What Platam Does

12:00 – Supply Chain Finance Explained

15:10 – The Latin America Credit Paradox

18:30 – Why Banks Can’t Serve SMEs

21:40 – Embedded Finance and Risk

25:10 – Credit Size vs Credit Approval

28:20 – Lessons from Chasing Growth

31:30 – Partnerships as Distribution

34:20 – The Future of Platam

37:30 – Closing Reflections

Nicolás also shares a contrarian insight most fintech founders miss, MSMEs don’t stand still. Their risk profile shifts constantly, and credit systems need to move with them, season by season, sometimes week by week.

Callback:

Nicolás once waited months to get paid while bills came due every 30 days. Now he’s building the bridge he wished existed, one that doesn’t ask small businesses to become venture-scale, just financially visible.

Pull quotes:

“The hardest decision in lending isn’t whether to give credit, it’s the size of the credit line.”

“There’s no shortage of money in Latin America. There’s a shortage of bridges.”

If you care about fintech beyond apps, marketplaces beyond hype, or how real economies actually move, this one’s worth your time.

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