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GitLab’s mega IPO - techcrunch

GitLab’s mega IPO

Welcome back to The TechCrunch Exchange, a weekly startups-and-markets newsletter for your weekend enjoyment.
techcrunch - 15 minutes ago
Analogue aspires to build the definitive OS for retro gaming - techcrunch

Analogue aspires to build the definitive OS for retro gaming

Analogue’s much-anticipated Pocket retro gaming machine will come with more than just sleek design and the ability to play tons of classic games. The device will be the first with AnalogueOS on it, an effort to make what founder Chris Taber calls the “Library of Alexandria of video games.” Actually, he called it the “great […]
techcrunch - 2 hours ago
VC Lab introduces free fund formation documents to make startup investing cheaper and easier - techcrunch

VC Lab introduces free fund formation documents to make startup investing cheaper and easier

There may be plenty of funding for some startups these days. But plenty of companies will tell you otherwise. VC Lab, an accelerator for venture capital firms, wants to create investors who will back the rest of the world. A basic hurdle to this goal is the standard paperwork you need to set up a […]
techcrunch - 17 hours ago
How our startup boosted productivity with ‘get s*** done’ day - techcrunch

How our startup boosted productivity with ‘get s*** done’ day

During the pandemic, we realized that we were swamped with work and there was an information overload. So we came up with an idea to fix that.
techcrunch - 19 hours ago
The hyperactive open banking market of Latin America: How the region is being APIfied - techcrunch

The hyperactive open banking market of Latin America: How the region is being APIfied

We are only in the first chapter of Latin America’s long journey to tech growth. But with the region’s thirst for innovation, the market is expected to expand nearly tenfold over the next decade.
techcrunch - 20 hours ago
How High-Tech Industry is Leveraging AI for Exponential Business Growth - readwrite

How High-Tech Industry is Leveraging AI for Exponential Business Growth

Artificial Intelligence and machine learning is paving their way in almost all industries. Its next target is the high-tech industry. The emergence of Artificial Intelligence in the engineering and mechanical world has raised many questions. What is the scope of Artificial Intelligence in the high-tech industry? Is it a good idea to invest in AI? […] The post How High-Tech Industry is Leveraging AI for Exponential Business Growth appeared first on ReadWrite.
readwrite - 22 hours ago
Bringing it in-house: What to look for when hiring a general counsel - techcrunch

Bringing it in-house: What to look for when hiring a general counsel

Finding the right legal leader will have implications for your business down the line. It’s a move you want to get right from the very beginning.
techcrunch - 23 hours ago
Pandora is partnering with SoundCloud to launch a new station - techcrunch

Pandora is partnering with SoundCloud to launch a new station

SiriusXM-owned Pandora is partnering with SoundCloud to launch ‘The Lookout by SoundCloud,’ a new station available on Pandora that aims to showcase music from the “hip hop superstars of tomorrow.” Today’s announcement comes as Pandora’s parent company, SiriusXM, recently partnered with SoundCloud to launch a show of the same name on its Hip-Hop Nation channel. […]
techcrunch - 1 day ago
Final hours to save $100 on passes to TC Sessions: Space 2021 - techcrunch

Final hours to save $100 on passes to TC Sessions: Space 2021

A reminder for all you procrastinators, feet-draggers and last-minute decision makers. Today’s your last chance to shave $100 off the price of admission to TC Sessions: Space 2021 (December 14-15). This sector moves at warp speed, and this virtual conference where you’ll hear from, meet and engage with the leading scientists, founders, space experts and […]
techcrunch - 1 day ago
You can preorder the Xbox Series X Mini Fridge on October 19th - techcrunch

You can preorder the Xbox Series X Mini Fridge on October 19th

As promised, Microsoft will start shipping its Xbox Series X Mini Fridge in time for the holidays. The company said the fridge costs $100 and pre-orders start on October 19, with shipping in December.
techcrunch - 1 day ago
F12 isn’t hacking: Missouri governor threatens to prosecute local journalist for finding exposed state data - techcrunch

F12 isn’t hacking: Missouri governor threatens to prosecute local journalist for finding exposed state data

Missouri governor Mike Parson is facing a monumental backlash after threatening to prosecute a journalist for responsibly reporting a serious security lapse in the state’s website. Earlier this week, St. Louis Post-Dispatch journalist Josh Renaud reported that the website for the state’s Department of Elementary and Secondary Education (DESE) was exposing over 100,000 teachers’ Social Security […]
techcrunch - 1 day ago
“Animal Crossing: New Horizons” will get major updates and “Happy Home Paradise” DLC on November 5 - techcrunch

“Animal Crossing: New Horizons” will get major updates and “Happy Home Paradise” DLC on November 5

Nintendo announced today that “Animal Crossing: New Horizons” has some big updates in store, coming to the game on November 5. This includes the arrival of characters from past games like Brewster, Kapp’n and Harriet, farming, cooking DIY recipes, new furniture items and even a paid DLC called “Happy Home Paradise,” coming the same day […]
techcrunch - 1 day ago
Apple removes a popular Quran app in China after request from local regulators - techcrunch

Apple removes a popular Quran app in China after request from local regulators

Apple has removed Quran Majeed, a popular app for reading the Islamic religious text and other prayer-related information, in China, in compliance with Chinese government requests, according to a report by BBC. The move comes as part of a bigger shift in the country to crack down on foreign content, or simply making it harder […]
techcrunch - 1 day ago
Smartphone sales down 6% as chip shortages begin to impact market - techcrunch

Smartphone sales down 6% as chip shortages begin to impact market

Canalys reported this morning that global smartphone sales are off 6% this quarter, and it’s not because of lack of demand. It’s due to the worldwide chip shortage. The pandemic has had a negative impact across supply chains, and chips have been particularly hard hit. Canalys principal analyst Ben Stanton says that manufacturers are trying to […]
techcrunch - 1 day ago
Founded by ex-Braintree and PayPal execs, Pagos raises $10M to offer API-driven payment intelligence - techcrunch

Founded by ex-Braintree and PayPal execs, Pagos raises $10M to offer API-driven payment intelligence

Pagos, a payment intelligence infrastructure startup founded by former Braintree and PayPal execs, has raised $10 million in seed funding. Started earlier this year, the remote-first Pagos is building a data “platform” and API-driven micro-services that it says can integrate with any payment stack. The end goal is to drive better performance and “optimization” of […]
techcrunch - 1 day ago
An interview with Visionary Founder/CEO on Large Unicorn’s IPO day - techcrunch

An interview with Visionary Founder/CEO on Large Unicorn’s IPO day

"We're going to unlock the potential of the power, the power of potentiality, and, potentially, power itself."
techcrunch - 1 day ago
Clarifai moves beyond computer vision to manage companies’ unstructured data - techcrunch

Clarifai moves beyond computer vision to manage companies’ unstructured data

Clarifai enables customers to make sense of the 90% of unstructured data they have using artificial intelligence.
techcrunch - 1 day ago
3 steps tech innovators can take to create a more equal society - techcrunch

3 steps tech innovators can take to create a more equal society

Tech accessibility is critical to social connection, professional proliferation and civic engagement. That's why we can't stop now. Here are three ways to build better technology for everyone.
techcrunch - 1 day ago
Continuum unveils its on-demand access marketplace for top-tier executive talent - techcrunch

Continuum unveils its on-demand access marketplace for top-tier executive talent

Continuum’s model does the outbound work for companies and presents a list of executives, within 48 hours, who are available to start that day, working 15 or 20 hours per week.
techcrunch - 1 day ago
Tesla debuts new car insurance that uses Texans’ real-time driving behavior - techcrunch

Tesla debuts new car insurance that uses Texans’ real-time driving behavior

Tesla now offers car insurance in Texas, its new home state, after first launching the product in California. It calculates a customer's insurance premium using their real-time driving behavior.
techcrunch - 1 day ago
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techcrunch
Which form of venture debt should your startup go for?

Which form of venture debt should your startup go for?

techcrunch - 2 weeks ago

Given the surplus of liquidity in the markets, entrepreneurs have access to more funding options than ever before. Venture banks, venture debt funds and venture capitalists are each jockeying to prove how their money is greener.

Nonetheless, each has constraints that dictate their behavior. While a venture capitalist may swing for the fences in each investment they make to get outsized returns, one home run can make up for nine strikeouts. Contrarily, most banks are playing Billy Beanes Moneyball they try to get the entire lineup on-base while making as few outs as possible in the process.

Think of capital availability as a spectrum, from low risk and low return (venture banks) to high risk and high return (venture capital), with venture debt funds sitting somewhere in the middle.

It helps to understand how venture banks make a profit: Essentially, they take deposits from one customer and lend them to another. Most banks currently collect a 4% interest rate from loans while paying less than a 1% interest rate to depositors, generating a margin of approximately 3%.

If we assume that a bank must also cover 2% of overhead for costs like employee payroll and rent, then it must collect at least $0.99 of every $1.00 loaned to generate a profit.

Despite the unscrupulous behavior of a few bad actors (see the Great Recession), the banking industry has a profoundly positive impact on economic productivity overall. More economic productivity means more taxes, so federal and state governments have a vested interest in greasing the skids and have instituted agencies like the Federal Deposit Insurance Corporation (FDIC) to help protect depositors and monitor banks.

The FDIC ensures that each bank under its regulatory oversight has a sound lending policy in place and operates within those parameters. That said, there is an exception to every rule, and borrower activity that may be deemed too risky by rigid underwriting guidelines may, in fact, be normal (or even desirable) in certain circumstances. For instance, increasing sales and marketing or research and development spend to leverage or develop a sustainable competitive advantage that will bear fruit in the future even if that means foregoing profit and increasing burn in the short term).

Therein lies the rub: In the process of protecting depositors, rigid credit guidelines, thin margins and low risk tolerances can create challenges for borrowers operating in dynamic and sometimes volatile markets, often leading to undesirable outcomes.

sauce: techcrunch
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