Camel Fintechs: Capital-Efficient Scaling — STS's Schubert

STS Ventures investor Stephan Schubert (OnVista) breaks down the camel-startup strategy: building companies that survive downturns, grow profitably, and never depend on constant fundraising — with 25 years of operating and investing experience.

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Why this matters for fintech: Fintechs burn capital on licensing, compliance, and balance-sheet needs, so capital efficiency is existential. Schubert's camel playbook — profitable growth, low fundraising dependence — is exactly the discipline fintech founders need.

In this episode, we cover:

• Stephan Schubert (STS Ventures, ex-OnVista) on camel startups
• Building fintechs that survive downturns and grow profitably
• Reducing dependence on constant fundraising
• 25 years of operating and investing lessons
• Why capital efficiency is existential for fintech

Related fintech episodes: LegalTech & Fintech: How to Start a Company · German Startup News Sept 2025: Deep Tech, VC.

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