
A declined store card gave the immigrant fintech executive a problem worth keeping. His answer was Sunbit - built at the counter, scaled through merchants, and disciplined by an operator’s allergy to waste.
The Los Angeles fintech approves about nine of ten shoppers for the purchases nobody plans for - car repairs, root canals, new glasses, the dog's surgery - and charges no fees of any kind. Here is how a rejected loan application became a billion-dollar company.