https://techcrunch.com/2021/05/18/settle-raises-15m-from-kleiner-perkins-to-give-e-commerce-companies-more-working-capital/ > Alek Koenig spent four years at Affirm, where he was head of Credit. > There he saw firsthand just how powerful the alternative lending model could be. Koenig realized that it wasn’t just consumers who could benefit from the model, but businesses too.