Some of the world’s biggest ecommerce enablers are starting to look a lot like fintech companies.

Millions of Amazon’s Indian customers, for instance, are now taking advantage of instant zero-interest and low-interest credit to pay for products weeks or even months after receiving them. Shopify saw its revenues jump 57%…


This piece was originally published in TechCrunch here.

There’s an old startup adage that goes: cash is king. I’m not sure that is true anymore.

In today’s cash rich environment, options are more valuable than cash. Founders have many guides on how to raise money, but not enough has been…


My colleague, Tess Munsie and I, originally published this piece in TechCrunch here.

If there has ever been a golden age for fintech, it surely must be now. As of Q1 2021, the number of fintech startups in the U.S. crossed 10,000 for the first time ever — well more…


As a growth stage SaaS founder with $5–10M in ARR, you have much to be proud of. You have made it to a point <1% of all startups make it to. You have achieved product-market fit, real customers find value in your software, investors believe in your vision and you…


We originally published this piece in Forbes here.

Over the last few years, consumer fintech has been all the rage. And for good reason: consumer fintech startups have greatly improved the customer experience across many financial applications. This has led to a number of great outcomes including Intuit’s acquisition of…


When I first landed in venture, it was with an early stage focus: predominantly Series A. The body of knowledge available to founders raising a Series A was pretty robust at the time thanks to investors demystifying a once opaque process via public blogs and forums. …


Capital efficiency has long been a desirable trait in early/growth stage businesses. But over the last few years, an abundance of capital combined with a “growth at all cost” mindset, allowed founders to deprioritize efficiency. Ignoring efficiency, however, can lead to making cardinal mistakes like misreading true product-market-fit, over-hiring for…


Summary:

  • While the 2000s and 2010s gave birth to many B2B SaaS greats, the 2020s will usher in a new wave of winners that have far more heterogenous business models.
  • In the pure SaaS world, the startup and venture community developed many great “rules of thumb” for understanding how to…


It’s pretty clear at this point that things are going to get a lot worse in the weeks and months to come before they get any better. The number of COVID-19 cases is accelerating worldwide. Travel restrictions have gone into effect as countries around the world close their borders to…


**This post was originally published on the Oak HC/FT website here**

Last month, I joined Oak HC/FT’s San Francisco team. …

Allen Miller

VC @ Oak HC/FT. LA || NY || SF. Disclaimer: any views or statements expressed are mine and not those of my employer.

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