The future of car finance with Aidan Rushby, Co-founder & CEO @ Carmoola
Aidan Rushby, CEO of Carmoola, breaks down the disciplined approach to scaling a lending business from zero to millions in car finance. His framework centers on systematic testing before increasing marketing spend and the counterintuitive insight that even dealerships now refer customers to his direct-to-consumer platform. This episode delivers tactical advice on building unit economics in lending and choosing markets based on addressable opportunity rather than vanity metrics.
Key takeaways
- •Scale marketing spend through systematic testing with conditional budget increases based on cohort performance rather than gut feelings or arbitrary growth targets.
- •Choose markets based on real TAM and distribution accessibility, not just market size—most founders overestimate their addressable market while underestimating acquisition challenges.
- •Build lending unit economics gradually through cohort analysis before cranking up growth spending, treating confidence as a measurable metric built over time.
- •Direct-to-consumer fintech can disrupt traditional partnerships so effectively that incumbents begin referring customers to you rather than competing.
- •Strategy and execution responsibility sits entirely with the founder-CEO, not investors—your job is building the plan, not delegating strategic decisions.
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