Podcasts about withclutch

In this episode, I'm speaking with Chris Coleman, co-founder and Head of Product at WithClutch. (01:10) Chris' background (03:21) Carlypso origin story (07:11) Carvana acquires Carlypso (13:11) Transitioning post-acquisition (18:27) What is Carvana's edge? (24:56) Pros & Cons of working with credit unions (34:42) Founding and growing WithClutch (44:37) Does Carvana survive? (46:37) Conclusion This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions. One quick favor! Help me grow this podcast by liking this episode, leaving a review below, and subscribing to the channel :) Check out ⁠⁠⁠⁠dealershipguy.com⁠⁠⁠⁠ for more and follow me on Twitter @GuyDealership! Interested in advertising with CarDealershipGuy? Join the sponsor waitlist ⁠⁠⁠⁠here⁠⁠⁠⁠.

Credit unions across the U.S. are navigating technological advancements, generational shifts, and an influx of financial options. To Withclutch CEO and co-founder Nicky Hinrichsen, this means providing advanced digital experiences that enable credit unions to better serve their members. Hinrichsen sat down with CUNA Digital Media Design Specialist Yeekeng Yang to discuss topics including the collapse of Silicon Valley Bank and what's in store for the credit union movement.

I got to interview Nicholas Hinrichsen and Christopher Coleman. Nicholas and Christopher met at Stanford Business School in 2011. They quickly became friends and bonded over their international backgrounds and families. After graduating in 2013, the duo started a company called Carlypso aiming to bring used car sales online. In 2017, the founders sold their business to Carvana: with hindsight, they 'started a used car company and sold a software business.' After leaving Carvana, the two founders started a digital auto loan refinancing platform called WithClutch.com. The goal is to help Americans improve their credit and lower their monthly payments through a few clicks. We spoke about: Their journey to now. What motivates them. Weaknesses they turned into strengths. Advice for the audience. And much more. This episode is sponsored by Nova Zora Digital experts in digital marketing. Check out Real Talk Podcasting for all things podcasting. *Disclaimer: The views and opinions on Roman Prokopchuk's Digital Savage Experience are those of the guest's alone as their own, and the host's alone as his own. Information provided by the guest is fact checked to the best of our abilities. By providing background information to the show, the guest acknowledges that it is as accurate as possible. The show does not endorse, promote, or is in association with the guest's business interests.* --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/roman-prokopchuk/support

Failure is not the endpoint. In this episode, Nicholas Hinrichsen, Founder and CEO of WithClutch, joins Mitch as they discuss the opportunities in failure and the importance of giving it 100%. From soccer and golf to successful entrepreneur, Nicholas talks about his journey and the revolutionary that he is. Mitch and Nicholas take a deeper look into Nicholas’ success and the outside forces that played a huge role in helping him pivot amidst failures. Tune in and discover how Nicholas stumbled into something that works and the ideas you can apply to your success.Love the show? Subscribe, rate, review, and share!Here’s How »Join Your First Thousand Clients Community today:mitchrusso.comMitch Russo LinkedIn

Failure is not the endpoint. In this episode, Nicholas Hinrichsen, Founder and CEO of WithClutch, joins Mitch as they discuss the opportunities in failure and the importance of giving it 100%. From soccer and golf to successful entrepreneur, Nicholas talks about his journey and the revolutionary that he is. Mitch and Nicholas take a deeper look into Nicholas’ success and the outside forces that played a huge role in helping him pivot amidst failures. Tune in and discover how Nicholas stumbled into something that works and the ideas you can apply to your success. Love the show? Subscribe, rate, review, and share! Here’s How » Join Your First Thousand Clients Community today: mitchrusso.com Mitch Russo LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices

Special Guest Nicholas Hinrichsen    Today's guest is Nicholas Hinrichsen, who got his MBA at Stanford in 2013 and started a company after graduating. Nicholas went through the startup accelerator YCombinator in 2014, raised $10M in Venture capital, and sold his business to Carvana in 2017. At Carvana, Nicholas ran a team of 160 people. He was in charge of his team when COVID hit in March, and his whole team transitioned to work from home.  Nicholas left Carvana in June to start WithClutch.com, a digital platform to refinance your auto loan. Car owners can save thousands of dollars in less than two minutes, and his new company is currently working fully remotely as well. During the first nationwide shutdown in America History, companies had to figure out how their employees could navigate their roles while working remotely.  Many of these companies were hoping by now that we would be fully back at work and back to a new normal.  However, in light of the recent changes in the virus, many states are pushing back their openings, sending more people home, and the climate once again is changing.  Today, Nicholas and I talk about the shift to working from home, how to navigate an organization with a remote workforce better, and ways you can maximize your productivity while keeping people safe. Special Guest Information Nicholas HinrichsenCEO of ClutchEmail: nicholas@withclutch.comLinkedIn: https://www.linkedin.com/in/nicholas-hinrichsen/Company Website: withclutch.com/about-us  GLINTER SOCIAL MEDIAL AND CONTACT INFOmichael@michaelglinter.com  (Email) https://www.michaelglinter.com/podcast-1   (Podcast) http://www.linkedin.com/in/michaelglinter   (Linked In) #MichaelAGlinter (Twitter) http://www.facebook.com/michael.glinter (Facebook) https://www.youtube.com/c/MichaelGlinter  (YouTube) www.michaelglinter.com   (Website)   

Nicholas Hinrichsen, former co-owner of Carlypso (the number 1 competitor of Carvana), and now co-owner of the amazing car re-financing company, WITH CLUTCH, shares business tips and his entrepreneurship journey of selling his company to Carvana, implementing their stellar behind-the-scenes data program and starting his new company.

Nicholas Hinrichsen, former co-owner of Carlypso (the number 1 competitor of Carvana), and now co-owner of the amazing car re-financing company, WITH CLUTCH, shares business tips and his entrepreneurship journey of selling his company to Carvana, implementing their stellar behind-the-scenes data program and starting his new company.

Car payments and auto loan debt are some of the costliest expenses many Americans face today. If you are paying more than you should be, then this episode will be a treat for you. Joshua Rhodes sits down with automotive technology entrepreneur Nicholas Hinrichsen, the founder of WithClutch—a technology platform that you can leverage to refinance your auto loans and car loans. Here, Nicholas breaks down the current issues with car loans and the car loan industry, why 50% of Americans are paying more for their auto loans, and what they set out to do to solve and correct this problem. Follow along to this episode and find out how Nicholas is working to save Americans thousands of dollars in car payments.Love the show? Subscribe, rate, review, and share!Here’s How »Join the Rhodes to Wealth community today:https://rhodestowealth.comFacebookLinkedInTwitterInstagram

Some things I know for sure, Americans love cars. And when we buy a car most of us out there are buying more than just the car. We are also buying a payment. Based upon your credit score, that payment can vary drastically, sometimes by hundred of dollars. I can hear my mom saying -- never let your credit score get under 800. Those best practices alone have saved me thousands of dollars over the years. And a ton of grief from my mom.  Today on the show is Nicholas Hinrichsen. Along with his partner Chris Coleman, they started -- WithClutch -- helping Americans with challenged credit finance their cars without the element of the nagging mom.   Connect with Nicholas Hinrichsen: Website: https://www.withclutch.com/ LinkedIn: https://www.linkedin.com/in/nicholas-hinrichsen-7b33874a/   https://www.withclutch.com/post/24-best-auto-loan-refinancing-lenders-of-august-2020   Check out the Auto Loan Refinance Calculator     Nice Sponsors: Get your FREE Training on how to create lasting wealth through real estate investing from Paul Tompkins and Flipping Experts: https://flippinexperts.mykajabi.com/Beginners%20Guide%20to%20Fix%20&%20Flips   How to Make Money, Grow Your Tribe, and Build Influencing Podcasting (Doug and Strick will be hosting the Masterclass) https://djdoug--turnkeypodcast.thrivecart.com/register/   Get your free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift Check out the "Entrepreneur's Toolkit" Giveaway   Check out Headliner to create social media posts with video easily- make.headliner.app   Simplecast is the easiest way to set up your podcast hosting- Simplecast.com   Zoom is the easiest way to schedule meetings and record your podcast interviews- Zoom.us   Acuity is the easiest way to schedule your podcast interviews, meetings, and life. Acuityscheduling.com   See how The Nice Guys want to make your life easier? You can thank us later.   Reach The Nice Guys Here:  Doug- @DJDoug  Strickland- @NiceGuyonBiz    Nice Important Links:   Subscribe to the Podcast  website: Niceguysonbusiness.com  Book Doug and/or Strick as a speaker at your upcoming event.  Doug's Amazon #1 Best selling book Nice Guys Finish First.     Partner Links:  Amazon.com: Click before buying anything. Help support the podcast.  Acuity Scheduling: Stop wasting time going back and forth scheduling appointments Simply the best VO guy in the business- https://steveobrienvo.com/   TurnKey Podcast Productions Important Links: The Ultimate Podcast Launch Formula  www.turnkeypodcast.com/ultimatelaunchformula  FREE workshop on how to "Be A Great Guest." Free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift     No time to get to this, but you can read the blog here: 12 worries that every entrepreneur has   Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Some things I know for sure, Americans love cars. And when we buy a car most of us out there are buying more than just the car. We are also buying a payment. Based upon your credit score, that payment can vary drastically, sometimes by hundred of dollars. I can hear my mom saying -- never let your credit score get under 800. Those best practices alone have saved me thousands of dollars over the years. And a ton of grief from my mom.  Today on the show is Nicholas Hinrichsen. Along with his partner Chris Coleman, they started -- WithClutch -- helping Americans with challenged credit finance their cars without the element of the nagging mom.   Connect with Nicholas Hinrichsen: Website: https://www.withclutch.com/ LinkedIn: https://www.linkedin.com/in/nicholas-hinrichsen-7b33874a/   https://www.withclutch.com/post/24-best-auto-loan-refinancing-lenders-of-august-2020   Check out the Auto Loan Refinance Calculator     Nice Sponsors: Get your FREE Training on how to create lasting wealth through real estate investing from Paul Tompkins and Flipping Experts: https://flippinexperts.mykajabi.com/Beginners%20Guide%20to%20Fix%20&%20Flips   How to Make Money, Grow Your Tribe, and Build Influencing Podcasting (Doug and Strick will be hosting the Masterclass) https://djdoug--turnkeypodcast.thrivecart.com/register/   Get your free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift Check out the "Entrepreneur's Toolkit" Giveaway   Check out Headliner to create social media posts with video easily- make.headliner.app   Simplecast is the easiest way to set up your podcast hosting- Simplecast.com   Zoom is the easiest way to schedule meetings and record your podcast interviews- Zoom.us   Acuity is the easiest way to schedule your podcast interviews, meetings, and life. Acuityscheduling.com   See how The Nice Guys want to make your life easier? You can thank us later.   Reach The Nice Guys Here:  Doug- @DJDoug  Strickland- @NiceGuyonBiz    Nice Important Links:   Subscribe to the Podcast  website: Niceguysonbusiness.com  Book Doug and/or Strick as a speaker at your upcoming event.  Doug's Amazon #1 Best selling book Nice Guys Finish First.     Partner Links:  Amazon.com: Click before buying anything. Help support the podcast.  Acuity Scheduling: Stop wasting time going back and forth scheduling appointments Simply the best VO guy in the business- https://steveobrienvo.com/   TurnKey Podcast Productions Important Links: The Ultimate Podcast Launch Formula  www.turnkeypodcast.com/ultimatelaunchformula  FREE workshop on how to "Be A Great Guest." Free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift     No time to get to this, but you can read the blog here: 12 worries that every entrepreneur has   Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

You Need A Different Motivator Than Money Nicholas has just started his second venture WithClutch, in the fintech industry. He sold the first one 4 years after setting it up. In another life, he was playing on the German Golf National team.  This time is different now. This time, he's driven by a real sense of purpose.  I love talking to all these entrepreneurs who want to make the world a better place, one problem at a time.  Nicholas shares his journey in 35mn. Enjoy! 

401 - Refinancing Auto Loans with WithClutch's Nicholas Hinrichsen

Your host, Liz Saunders, speaks with Nicholas Hinrichsen, co-founder of WithClutch, about his knowledge of refinancing auto loans and how he became a business owner. Now if you got something out of one of our interviews, would you share this episode on social media? Just do a quick screenshot with your phone and text it to a friend or post it on your favorite social network. If you do that, tag us #LeverageToScale. What do you win? We're going to promote you and your business to ALL of our social media fans totally free. Next, if you thought this was a valuable use of your time, please support the show and give us a thumbs up, or a rating and review. We promise to read it all and take action.

Nicholas Hinrichsen * Carlypso Founder * WithClutch Founder Nicholas is our Stanford MBA friend, who started a Venture Capital backed automotive company in 2013 and sold the business to Carvana in 2017.  To do so, he went thru the startup accelerator YCombinator in 2014 and raised $10M by 2015. After his successful exit, Nicholas wanted to help more and started his next venture Clutch, to save Americans thousands of dollars in car payments.  His technology platform allows people to refinance auto loans in seconds, from the comforts of your own homes. https://www.withclutch.com https://www.withclutch.com/post/best-auto-loan-refinancing-lenders https://www.withclutch.com/faq/how-to-refinance-my-ally-financial-auto-loan    

This episode was produced remotely using the ListenDeck standardized audio production system.   You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Play, Stitcher, Spotify and iHeartRadio. In this episode the host John Siracusa chats remotely with Nicholas Hinrichsen, fintech founder with multiple exits, investor and currently building WithClutch.  Nicholas founded and exited a few companies such as Carlypso which was acquired by Carvana back in 2017.     Tune in and Listen. Subscribe now on Apple Podcasts, Google , Stitcher, Spotify and iHeartRadio to hear next Tuesday’s remote interview with Travis Schwab from Eventus.   About the host: John, is the host of the ‘Bank On It’ podcast recorded onsite in Wall Street at OpenFin.   He's also the founder of the remotely recorded, studio quality standardized audio production system ListenDeck. Follow John on LinkedIn, Twitter, Medium

This episode was produced remotely using the ListenDeck standardized audio production system.   You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Play, Stitcher, Spotify and iHeartRadio. In this episode the host John Siracusa chats remotely with Joe Wald  Co-founder & CEO of  Clearpool Group.  Clearpool Group is a trading software and execution innovator for an evolving equity market microstructure.  They were recently acquired by BMO, this is the second time having Joe as a guest on the show, during this interview they talk about how the acquisition came together.      Tune in and Listen. Subscribe now on Apple Podcasts, Google , Stitcher, Spotify and iHeartRadio to hear Thursday’s remote interview with Nicholas Hinrichsen, multiple exited entrepreneur and investor currently working on WithClutch.   About the host: John, is the host of the ‘Bank On It’ podcast recorded onsite in Wall Street at OpenFin.   He's also the founder of the remotely recorded, studio quality standardized audio production system ListenDeck. Follow John on LinkedIn, Twitter, Medium

Today's guest is Nicholas Hinrichsen! Stanford MBA and founder of Carlypso, for which he had raised $10M in venture funding by 2015 before he sold the company to Carvana.com in 2017. Nicholas is a serial entrepreneur. After staying at Carvana for 3 years, he and his former co-founder Chris Coleman left to start WithClutch.com, a digital platform to refinance auto loans. 20M car owners can save thousands of dollars in minutes and usually don't know refinancing a car loan is even an option! "Never Split the Difference" by Chris Voss Fresh Clean Tees 15% off

Stanford GSB grads discuss MBA admissions, entrepreneurship and affordable car loans [Show summary] Nicholas Hinrichsen and Chris Coleman, startup co-founders who earned their MBAs at Stanford GSB, return to Admissions Straight Talk to share what they’ve accomplished as entrepreneurs since earning their MBAs. Chris Coleman and Nicholas Hinrichsen share how their experiences at GSB helped them grow their startups [Show notes] So, you want to be an entrepreneur in something using tech. Or maybe you're interested in tech product management. Should you get an MBA? Is it a waste of time and money that you could better spend learning on your own, founding your own business? Two Stanford GSB grads are here to share their perspective, reflecting seven years of successful entrepreneurial experience since earning their MBAs. Nicholas Hinrichsen and Chris Coleman, who were previously guests on Admission Straight Talk in Episode 88, both graduated from Stanford GSB in 2013. While at GSB, they founded Carlypso, which was acquired by Carvana in 2017. Since then, they’ve founded a new venture, WithClutch. When we last spoke, you both had recently graduated from Stanford GSB, and you were running Carlypso, which you had founded as MBA students. What's happened since then? Can you bring us up to date? [2:09] Chris: A lot has happened since then. When we talked, I think we were going through Y Combinator. We actually ended up pivoting the business into a new model since that time. Carlypso was this sort of peer-to-peer car sales platform. We ended up pivoting to being a direct wholesale channel where we sold cars, leasing to companies that can't sell directly to the consumer but have to sell through these wholesale auctions. We became a virtual dealer of sorts. We built software that said, "Okay, what are the cars that we think are good for consumers? How do we figure out how to use performance marketing to our advantage so that we can market the right car to the right consumer?" We had a pretty good handle on that. It was a good business. It wasn't a great business because it required very, very heavy operations, actually moving around 4,000-pound pieces of metal all the time, rather than bits and bytes. The software that we built ended up being more valuable than our end-value prop to consumers. And so we sold the software to Carvana, and ended up joining as executives there. Nick ran the sell-to-Carvana business of buying cars from consumers, and I ran product for the initial part of the consumer experience, from the homepage, search page, and product pages. We spent three years there. It was a great three years of seeing the company go from early public company to the company everyone else is aiming to beat. That was a really fun ride, and we got to know some of the executives there very well who were super helpful and had very different skill sets than us. Now we've gone off to start a new thing again. Me and Nick have just started WithClutch, which is sort of a platform for saving consumers on their automotive expenses. Nick: Our first employee at Carlypso ended up applying to business school when we sold. So, business school plays lots of roles in our lives. The person at Carvana who we touched base with to “compare notes” (when what we really wanted was to sell the company) happened to be one of our classmates from GSB. I had worked on a student-run event with her, and Chris had been on a student trip with her. Thankfully, GSB reappeared in our lives multiple times. I don't think we would have made it to where we are without our experience at the GSB, frankly. Silicon Valley tends to disparage the MBA. When we spoke in 2013, you were very happy you did your MBA. Do you still think the time you spent at GSB was time well spent? [5:34] Nick: There are so many dimensions to it. If you go into it thinking it's an academic experience, you'll walk out of it with so much more than what you've learned.

Today's guest is Nicholas Hinrichsen, Stanford MBA and founder of an online used car sales company called Carlypso. Buying a used car is a very emotional decision and Nicholas is sharing his experience with escalated customers. In 2017, Nicholas sold his business to Carvana. After three years with Carvana, the founder left to start WithClutch.com, a digital platform to refinance auto loans. There are 20M car owners who can save thousands of dollars in minutes and usually don't even know refinancing a car loan is even an option! --- Support this podcast: https://anchor.fm/chris-frey/support

Nicholas Hinrichsen – WithClutch.com Nicholas has gone the distance in Silicon Valley.  After starting up Carlypso and selling it to Carvana, he started WithClutch.com, a website built to make refinancing your car easy.  That alone is impressive.  Add to that … Read More The post The Story of WithClutch.com Ep129 appeared first on Ready to Take Action with a Fast Business Coach for Your Small Business in Madison Wisconsin.

Today's guest went to Stanford Business School in 2011 and started an online used car company after graduating in 2013. Nicholas raised a total of $10M, went through the startup accelerator Y-Combinator and sold his business to Carvana in 2017. After the sale of his company, Nicholas started investing into real estate projects in Phoenix. The founder realized that real estate is a fantastic assed class for entrepreneurs. After leaving Carvana, Nicholas and his former co-founder Chris joined forces again to build a digital platform to refinance auto loans, called WithClutch.com.

Negotiating tips, money-saving tricks, and car buying advice from Your Auto Advocate team of experts: https://yourautoadvocate.com/guides/ Learn more about Your Auto Advocate here: http://yourautoadvocate.com/ Today Ray and Zach welcome Nicholas Hinrichsen, who got his MBA at Stanford, started an online car retailer Carlypso and sold it to Carvana in 2017. At Carvana, Nicholas built and ran the Sell To Carvana business, and considering Zach is currently in the process of selling his Volvo S90 to Carvana, we thought what better time than now to have Nicholas on the show.   After three years with Carvana, Nicholas left to start WithClutch.com, a digital platform to refinance auto loans. 20 million car owners can save thousands of dollars in minutes and usually don't know refinancing a car loan is even an option!   Ray and Zach discuss automotive refinance, automotive tech, and specifically Carvana's "Sell to Carvana" program in this episode. We hope you enjoy! If you do, please consider sharing with a friend on Twitter, Facebook, or LinkedIn.  

Nicholas Hinrichsen, has never considered himself a person with a disability. Nicholas lost his hair when he was only 11 years old. For six years, he hid his alopecia under a baseball cap and nursed his young self-esteem. Twenty years later, he graduated from Stanford Business School and started an online car sales platform that became "The Amazon for used cars!" Nicholas has just started a new venture called WithClutch.com, a digital platform to refinance auto loans. He is the picture of success and attributes his hair loss to building character and developing his authenticity.

Hi Everyone! Welcome to LifeUpEducationTV, an entertainment and education show featuring incredible stories of high achievers across a wide variety of industries from entertainment to technology. ( LifeUpEducationTV.com) You can find him at WithClutch.com (https://www.withclutch.com/) Linked In: https://www.linkedin.com/in/nicholas-hinrichsen-7b33874a/ I am so excited to introduce you to today's guest! His name is Nicholas Hinrichsen, who joined the show from San Francisco, California. He was born and raised in Germany, used to play on the national Golf team and ended up moving to the Bay Area to pursue an MBA in Stanford. Nicholas started his first company in 2013, went through YCombinator and raised $10M by 2015. In 2017, Nicholas sold his company to Carvana, stayed there until 2020 and recently left to build a FinTech business. WithClutch.com is a digital platform to refinance auto loans in the U.S. If you want to lower your payments and save thousands of dollars, check out their refinance calculator now. Today we asked his these following questions: 1. What is your background? 2. Our big theme of the show talks about "the possibility of humanity." Can you tell me what role do you see technology play in this as a tech entrepreneur, investor, and advisor? Why did you decide to pursue technology? 3. Tell me about your experience at YCombinator, Silicon Valley's most renowned startup accelerator? 4. Was the Stanford MBA valuable for your career? 5. What is the number one skill do you think needed for someone to become a successful entrepreneur or an investor in the tech industry? This episode is brought to you by LifeUpEducationTV.com Find Natsune on Social IG: https://bit.ly/2MXnMLZ FB:https://bit.ly/37Cr8xC TikTok: https://bit.ly/2YzgqUl YB: https://bit.ly/32gM24C Find my book: Book press release: https://bit.ly/37rkaeN Book outline: https://bit.ly/2DFkewA Book Page: https://www.lifeupeducationtv.com/english-book Join Our Community ( LifeUpTribe) https://www.facebook.com/groups/542785799705331/ (Premium Coaching Group) https://www.lifeupeducationtv.com/premium-coaching-group) https://www.lifeupeducationtv.com/post/a-former-national-golf-player-stanford-mba-ycombinator-graduate-became-a-fintech-entrepreneur

[ファウンダートークシリーズ] 彼の会社：WithClutch.com Linked In:https://www.linkedin.com/in/nicholas-hinrichsen-7b33874a/ 今日はカリフォルニア州サンフランシスコからテクノロジー業界で大活躍の実業家ニコラスヒンリクセンさんに参加してもらいました。彼はドイツで生まれ育ち、ゴルフの全国代表チームでプレーし、スタンフォードでMBAを取得するためにベイエリア（サンフランシスコ）に移動しました。 Nicholasは2013年に最初の会社を設立し、YCombinatorを通過して2015年までに1,000万ドルを調達しました。2017年、Nicholasは会社をCarvanaに売却し、2020年までそこでジェネラルマネージャーに勤め、現在はFinTechビジネスの構築をするために同社を去りました。 現在はWithClutch.comでファウンダーを勤めます。WithClutch.comは、米国の自動車ローンの借り換えを行うためのデジタルプラットフォームです。 WithClutchのリソースは、次のような便利なツールを提供しています。 オートローン借り換え計算機： https://www.withclutch.com/auto-loan-refinance-calculator 無料のMonroneyステッカー製造ツール： https://www.withclutch.com/window-stickers あなたの車の支払いを下げる方法の詳細を紹介： https://www.withclutch.com/faqs 今日、私たちは彼に以下の質問をしました： 1.あなたの経歴は何ですか？ 2.人類の進歩におけるテクノロジーの役割は何ですか？なぜテクノロジーを追求することにしたのですか？ 3.シリコンバレーで最も有名なスタートアップアクセラレータであるYCombinatorでの経験について教えてください。 4.スタンフォードMBAはあなたのキャリアにとって貴重でしたか？ 5.誰かが成功した起業家やテクノロジー業界の投資家になるために必要だと思う一番のスキルは何ですか？ [Founder Talk Series] You can find him at WithClutch.com (https://www.withclutch.com/) Linked In: https://www.linkedin.com/in/nicholas-hinrichsen-7b33874a/ I am so excited to introduce you to today's guest! His name is Nicholas Hinrichsen, who joined the show from San Francisco, California. He was born and raised in Germany, used to play on the national Golf team and ended up moving to the Bay Area to pursue an MBA in Stanford. Nicholas started his first company in 2013, went through YCombinator and raised $10M by 2015. In 2017, Nicholas sold his company to Carvana, stayed there until 2020 and recently left to build a FinTech business. WithClutch.com is a digital platform to refinance auto loans in the U.S. If you want to lower your payments and save thousands of dollars, check out their refinance calculator now. WithClutch's resources offer useful tools, including: Auto Loan Refinance Calculator : https://www.withclutch.com/auto-loan-refinance-calculator A free Monroney Sticker generating tool: https://www.withclutch.com/window-stickers Find Out more on how to lower your car payment: https://www.withclutch.com/faqs This episode is brought to you by foreignconnect.org Who we are: Our goal is to help our clients create new opportunities in their targeting foreign economy by developing strategic international partnership development and ongoing communication & task management.

Nicky Hinrichsen (co-founder of Carlypso and Refinance With Clutch) shares a story about how he and his friend Chris Coleman discovered a new way to sell cars and then sold that company to Carvana, the largest used car retailer in America. And learn about Nicky's new venture, refinancing cars WithClutch. Look what's new! The Story Worthy Hour Of Power is EVERY Sunday night on Zoom at 6:00pm pacific time. Watch and hear Story Worthy's best talents telling true stories! The Ticket Link is here! PLUS, we play Story Smash in the After Show with Blaine Capatch and Danny Zuker! It's an All-Play and you can spin the wheel and tell a true 1 minute story too! It's a blast! More info on the website, Story Worthy. And please subscribe for free, rate, and review Story Worthy on Apple Podcasts here. It really helps. Plus, check out the funniest game show in Los Angeles, Story Smash! It's EVERY month at the Hollywood Improv when we're not in a pandemic, and now we play in the After Show of The Story Worthy Hour of Power EVERY Sunday! Follow Christine and Story Worthy on Social Media- Instagram, Twitter, Facebook and at ChristineBlackburn.com. Thanks guys!Privacy Policy and California Privacy Notice.

Nicky Hinrichsen (co-founder of Carlypso and Refinance With Clutch) shares a story about how he and his friend Chris Coleman discovered a new way to sell cars and then sold that company to Carvana, the largest used car retailer in America. And learn about Nicky's new venture, refinancing cars WithClutch. Look what’s new! The Story Worthy Hour Of Power is EVERY Sunday night on Zoom at 6:00pm pacific time. Watch and hear Story Worthy’s best talents telling true stories! The Ticket Link is here! PLUS, we play Story Smash in the After Show with Blaine Capatch and Danny Zuker! It's an All-Play and you can spin the wheel and tell a true 1 minute story too! It’s a blast! More info on the website, Story Worthy. And please subscribe for free, rate, and review Story Worthy on Apple Podcasts here. It really helps. Plus, check out the funniest game show in Los Angeles, Story Smash! It's EVERY month at the Hollywood Improv when we’re not in a pandemic, and now we play in the After Show of The Story Worthy Hour of Power EVERY Sunday! Follow Christine and Story Worthy on Social Media- Instagram, Twitter, Facebook and at ChristineBlackburn.com. Thanks guys!

Our guest today is Nicholas Hinrichsen ( https://www.linkedin.com/in/nicholas-hinrichsen-7b33874a/ ) , a Stanford MBA who built a digital platform for used car sales in 2013. He raised $2M in seed funding from angel investors and the startup accelerator YCombinator by 2015. After doing a pivot in the business model, sales took off and Nicholas and his co-founder Chris Coleman ( https://www.linkedin.com/in/christopher-coleman-a316696/ ) raised a $8M venture capital round. In 2017, the two founders sold their business to Carvana ( https://www.carvana.com/ ) , which was growing at a rapid pace. Nicholas and Chris stayed at Carvana for three years to see their vision come to fruition and left June of this year to start a new company. WithClutch.com ( https://www.withclutch.com/ ) is a FinTech platform to refinance your auto loan ( https://www.withclutch.com/faqs ). With just a few clicks you can save ( https://www.withclutch.com/auto-loan-refinance-calculator ) thousands of dollars, 100% online. In this episode we talked about his incredible journey building companies and raising capital. We also talk about business partnerships, credit and more. Enjoy! *Follow Nicholas* * LinkedIn ( https://www.linkedin.com/in/nicholas-hinrichsen-7b33874a/ ) * WithClutch.com ( https://www.withclutch.com/ ) *Follow Jacob:* * Website ( https://www.jacob-harmon.com/ ) * LinkedIn ( https://www.linkedin.com/in/jacobmharmon/ ) * Twitter: @jacob_m_harmon ( https://twitter.com/jacob_m_harmon ) *Follow Kalob:* * LinkedIn ( https://www.linkedin.com/in/kalobvalle/ ) *Follow SuccessQuest:* * Website ( https://www.mysuccessquest.com/ ) * Blog ( https://www.mysuccessquest.com/content/blog ) * Facebook Page ( https://www.facebook.com/mysuccessquest/ ) * Community (Facebook Group) ( https://www.facebook.com/groups/successquesters/ ) * LinkedIn ( https://www.linkedin.com/company/mysuccessquest ) * Twitter: @MySuccessQuest ( https://twitter.com/MySuccessQuest ) * Instagram @MySuccessQuest ( https://www.instagram.com/mysuccessquest/ ) *Support SuccessQuest* We work incredibly hard to create our podcast, newsletter, Facebook group and more. ALL of these resources are 100% FREE and we wouldn't have it any other way. We believe that success should be accessible to everyone! Support our show ( https://www.mysuccessquest.com/support ) *Listen & Subscribe* * Apple Podcasts ( https://podcasts.apple.com/us/podcast/successquest/id1462085350 ) * Google Podcasts ( https://www.google.com/podcasts?feed=aHR0cHM6Ly9hcGkucG9kY2FjaGUubmV0L3Nob3dzLzE2MWE0ZTFjLTdjMjgtNDI2My1iYWNkLTc5Y2M2YmMxMjg4Mi9mZWVk ) * Overcast ( https://overcast.fm/itunes1462085350/successquest-be-motivated-inspired-and-successful ) * Spotify ( https://open.spotify.com/show/15NQeTo25FNQ4mWtlt1KKR ) *We’d love to hear from you!* Have some feedback about the show? Feel free to reach out to us at podcast@MySuccessQuest.com. You can also rate us in Apple Podcasts ( https://podcasts.apple.com/us/podcast/successquest-be-motivated-inspired-and-successful/id1462085350 ) or your favorite app to help more people discover the show!

Nicholas Hinrichsen got his MBA at Stanford in 2013 and started a used car selling platform after graduating.  Nicky and his co-founder Chris Coleman went through the startup accelerator YCombinator in 2014 before raising $10M in venture capital and selling the business to Carvana in 2017.  After three years at Carvana, the two founders left to start their next company: WithClutch.com is a digital platform for auto loan refinancing.  Car owners can lower their monthly payments and save thousands of dollars in less than two minutes.   Through adversity and failure, Nicky learned how to keep going and not give up even when success seemed far out of reach.

Nick Hinrichsen and Chris Coleman met at Stanford Business School and in 2013 started a venture backed company called Carlypso. Working on building the 'Amazon for used cars', the two founders went through YCombinator in 2014, raised $10M venture capital by 2015 and successfully sold the business to Carvana in 2017. Like true entrepreneurs, Chris and Nick are now working on their next venture called http://withclutch.com. They discovered that auto loan rates are all over the map and so they built a refinance calculator that allows car owners to reduce their monthly payments and save thousands in minutes.Tune in to hear these co-founders share their awe*mazing startup stories!3 takeaways:1.If you focus on the competition you’ll never win2.Opportunistic hiring: sometimes you need to bring that person on before the company is fully ready for them3.When pitching, have concrete evidence of your business model, not wishful thinkingPlease connect with Chris and Nick here:LinkedIn:https://www.linkedin.com/in/nicholas-hinrichsen-7b33874a/https://www.linkedin.com/in/christopher-coleman-a316696/WithClutch: http://www.withclutch.com/https://www.withclutch.com/post/lower-your-rate-auto-loan-market-inefficienthttps://www.withclutch.com/auto-loan-refinance-calculatorIf you’d like to receive an alert whenever I post a new episode, please follow the Startup Life Show wherever you listen to podcasts, including: Stitcher, Spotify or Apple/Google Podcasts… and let’s connect on social media! You’ll always find me hanging out at my favorite social media bar – Twitter! https://twitter.com/AndeLyonsTo receive an alert for my live shows, please join my Meetup group here: https://www.meetup.com/Startup-Life-LIVE/Do you have a startup story you’d like to share on the Startup Life Show podcast? Please reach out to me via email – ande@andelyons.com. You'll find tons of curated DIY startup advice on my YouTube Channel Andelicious Advice: https://www.youtube.com/user/AndeliciousAdvice and please subscribe to my bi-monthly newsletter, Let’s Stick Together -> http://bit.ly/AndeliciousNewsletterDo you need a pitch deck reviewed? I've raised millions from VC and thousands from Angels... and I'm a co-host of a monthly pitch event in Boston. I can make sure your deck is ready for investors and a pitch event. Click this link to learn more: http://bit.ly/PitchDeckAuditAre you ready to stop struggling alone and take your business to the next level… without wasting money and valuable time? I offer Startup Strategy Sessions, Funding Strategy Sessions, Monthly Founder Support and Emergency Founder Support. Book a free intro call here: https://andelyons.as.me/Need an audio or video transcribed? Use Otter.ai: https://bit.ly/StartupLifeOtter Listeners - thank you so much for tuning in - I am genuinely grateful for your time and presence. Stay strong, stay focused – and please remember – you’ve got this – Cheers!Ande ♥

This week we have a very exciting guest on the podcast, he is a very successful entrepreneur with an international background and now based in San Francisco.   Nicholas Henrichsen was born in Germany and lived in India before going to Stanford Business school.  Nicholas got his MBA at Stanford Business School in 2013 and started a company after graduating.   He went through the startup accelerator YCombinator in 2014, raised $10M in Venture capital and sold his business to Carvana.com  in 2017.   After staying with Carvana for three years, the Nicholas left Carvana in June to start WithClutch.com, a digital platform to refinance your auto loan. The platform enables Car owners to save thousands of dollars in less than two minutes and from the comfort of their home.   We'll also hear a little about Nicholas's Golf career and his taste in music.   The podcast is sponsored by Nettzer , digital onboarding    www.nettzer.com – we provide digital onboarding and customer digital channel  management solutions to a wide range of verticals, including   Mobile Operators MVNOs eSIM providers Financial Institutions Charities Please contact us at www.nettzer.com if you require Customer Acquisition, Onboarding  and Management solutions  

On this week’s podcast we have special guests Nicky Hinrichsen and Chris Coleman, Co-Founders of Carlypso, which became a multimillion dollar startup that was acquired by Carvana in 2017. We talk about leadership lessons in the start up community, and how they plan to disrupt the market with their next venture. I share a glass of Vape Tricks Sour Ale from Prairie Artisan Ales in Krebs, OK. Today's guests are two Stanford Business School alumni who met in 2011 and started the "Amazon for used cars" in 2013. Nicky and Chris joined YCombinator - Silicon Valley's most prestigious startup accelerator - in 2014 before raising $10M in Venture capital. In 2017, Nicky and Chris sold their business to Carvana.com. The founders feel very passionate about helping Americans with challenged credit and are now building a digital auto loan refinance platform. If you want to learn more about auto loan refinancing or lower your payments, check out www.WithClutch.com

“Golf National Team, MIT & Stanford Business School, YCombinator, $10M Venture Capital, first startup sold to Carvana.com, went public at $15, trading $133 and now starting a FinTech company. Interested or nah?” - So kam kürzlich eine InMail auf LinkedIn bei mir an. Und was mit einem super Sales-Pitch für eine Podcast Folge beginnt, endet in einem echt netten Gespräch mit Founder, Investor und super Typ Nicky Hinrichsen. Nicky und sein Co-Founder haben aus dem Stanford MBA heraus nach nur 20 verkauften Autos $1.2M Seed Funding für ihr Startup von ein paar ihrer Professoren eingesammelt, das Unternehmen nach weiteren Funding Runden an den größten Player im Markt verkauft und deren Börsengang mitgemacht. Außer über diese Erfolgsgeschichte und wie Nicky in die USA gekommen ist, sprechen wir über sein neues Startup (Withclutch), wieso man in den USA Kredite aufnehmen muss, um kreditwürdig zu sein und wie sich der Valley VC Markt innerhalb von wenigen Wochen durch Corona verändert hat. Eine neue spannende Folge, so wie ich finde. Lasst mich am besten über LinkedIn wissen, wie es Euch gefallen hat. https://www.withclutch.com https://www.withclutch.com/faqs https://www.withclutch.com/auto-loan-refinance-calculator

Do You Want To Be An Entrepreneur? Seriously? Well, here we go!In this episode #17 of The Darryl Mobley Show: Your Life Coach On The Radio, America's #1 Life Coach – Darryl Mobley – speaks about the entrepreneurial journey with Nicky Hinrichsen, co-founder of Calypso (now part of Carvana) and co-founder of WithClutch.com. Coach Mobley and Nicky Hinrichsen go deep and reach true authenticity as they cover:Why he Did Not QuitThe Two Types of QuittingThe Biggest Mistake he made in his Personal Life while building the businessThe Best Decision He MadeWhat FEAR is and how he dealt with itHow he'd Improve the way he thinks about business, about life, about himselfWho gave him a Headstart in businessWhat he Wishes He Had More OfThe One Thing He Did Not Know before he started the business that he wished he had knownManaging your PsycheHow he learned to say NOHow he learned to say YESWhat he would accomplish if he could Live Another 300 YearsHow will he Win in his Personal Life as he has in businessWhy he agreed to be acquiredThe Biggest Mistake He Made that he vowed to Never Make AgainHis advice for others who wish to become entrepreneursHis 3 Life GoalsWhat he does each day for Self-CareThe number of nights that worry about the business kept him awakeWhy Knowing Your Fears is a Super Power!What the entrepreneurial journey is all aboutThe power of friendship as an entrepreneurWhy you can't build a start-up with the sole goal to make a lot of moneyHis next business, WithClutch.comMore, more, more!SO YOU WANT TO BE AN ENTREPRENEUR? REALLY?Lean Forward. This is the good stuff!Click HERE to get Coach Mobley's "Live Your Best Life!" Newsletter. It's FREE! Click HERE to Get the "Best Life Coach On The Planet!" Click bit.ly/get-life-coachingAs Coach Mobley says, "No negativity allowed," and "Enjoy Life!" Contact Coach Mobley at: CoachMobley.com Twitter.com/CoachMobley  Instagram.com/LifeCoachMobley

On today's episode, I sat down with Nicholas Hinrichsen & Chris Coleman, former Directors of Product at Carvana and Co-Founders of WithClutch. If you need to refinance your car or want to check out what thy're working on, head over to withclutch.com Here's what we discussed: Who the product manager is in a startup versus a mature company What differs in product priority at these different stages How communication goes from informal to more formal the more your company matures Why innovation seems to slow down as companies grow One of the reasons breaking into product management is so difficult When product managers are the mini-CEO and when they're not The mindset shift when going from a PM in a startup to a mature organization and vice versa A very interesting interview question to find where you best fit as an aspiring product manager Why you have to know what company and industry you're in before you try to "move fast and break things" How to take on risk without risking the brand of an established organization Why there's always risk, but defining it helps you make better decisions on what level of risk you're willing to take on How to balance shipping fast and risking embarrassment in an established product or org Why in Blue Ocean markets, value trumps design but why things change in competitive markets And what is true about product management, regardless whether you work in a startup or an established org --- Send in a voice message: https://anchor.fm/productmanagementlessons/message Support this podcast: https://anchor.fm/productmanagementlessons/support

Is now the right to time to start a financial technology company?Nicholas Hinrichsen, co-founder of WithClutch and Carlypso, is my guest today and he thinks now is the right time, even with the lockdowns.After being raised in Germany and playing on the German national golf team, Nicholas decided to attend Stanford Business School in 2011 and started Carlypso, an online used car company, after graduating in 2013. Nicholas then raised a total of $10 million dollars, went through the startup accelerator YCombinator and sold his business to Carvana in 2017.After leaving Carvana, Nicholas and his co-founder Chris Coleman joined forces again to build a digital platform to refinance auto loans, called WithClutch.com. Nic and I had a great talk about the future of financial tech companies and how specifically his new venture can help college students or anyone who had bad credit, is now improving their credit score and help them refinance their auto loans.SUBSCRIBEYou can subscribe to The Travel Wins Podcast on Apple Podcasts, SoundCloud, YouTube, iHeart Radio, Stitcher, Google Podcasts, Spreaker, Podnews, Castbox, Overcast, Breaker, Pocket Casts, Radio Public, and Spotify.Intro song “Road Trip” by Robin Tricker#fintech #stanford #stanfordbusiness #siliconvalley #carvana #withclutch #nicholashinrichsen #fundraising #entrepreneur #businesstravel #jobsthatinvolvetravel #careersthatinvolvetravel #businesstravelcareer #businesstraveljobs #thetravelwins

Is now the right to time to start a financial technology company? Nicholas Hinrichsen, co-founder of WithClutch and Carlypso, is my guest today and he thinks now is the right time, even with the lockdowns. After being raised in Germany and playing on the German national golf team, Nicholas decided to attend Stanford Business School in 2011 and started Carlypso, an online used car company, after graduating in 2013. Nicholas then raised a total of $10 million dollars, went through the startup accelerator YCombinator and sold his business to Carvana in 2017. After leaving Carvana, Nicholas and his co-founder Chris Coleman joined forces again to build a digital platform to refinance auto loans, called WithClutch.com. Nic and I had a great talk about the future of financial tech companies and how specifically his new venture can help college students or anyone who had bad credit, is now improving their credit score and help them refinance their auto loans. SUBSCRIBE You can subscribe to The Travel Wins Podcast on Apple Podcasts, SoundCloud, YouTube, iHeart Radio, Stitcher, Google Podcasts, Spreaker, Podnews, Castbox, Overcast, Breaker, Pocket Casts, Radio Public, and Spotify. Intro song “Road Trip” by Robin Tricker #fintech #stanford #stanfordbusiness #siliconvalley #carvana #withclutch #nicholashinrichsen #fundraising #entrepreneur #businesstravel #jobsthatinvolvetravel #careersthatinvolvetravel #businesstravelcareer #businesstraveljobs #thetravelwins

Is now the right to time to start a financial technology company?Nicholas Hinrichsen, co-founder of WithClutch and Carlypso, is my guest today and he thinks now is the right time, even with the lockdowns.After being raised in Germany and playing on the German national golf team, Nicholas decided to attend Stanford Business School in 2011 and started Carlypso, an online used car company, after graduating in 2013. Nicholas then raised a total of $10 million dollars, went through the startup accelerator YCombinator and sold his business to Carvana in 2017.After leaving Carvana, Nicholas and his co-founder Chris Coleman joined forces again to build a digital platform to refinance auto loans, called WithClutch.com. Nic and I had a great talk about the future of financial tech companies and how specifically his new venture can help college students or anyone who had bad credit, is now improving their credit score and help them refinance their auto loans.SUBSCRIBEYou can subscribe to The Travel Wins Podcast on Apple Podcasts, SoundCloud, YouTube, iHeart Radio, Stitcher, Google Podcasts, Spreaker, Podnews, Castbox, Overcast, Breaker, Pocket Casts, Radio Public, and Spotify.Intro song “Road Trip” by Robin Tricker#fintech #stanford #stanfordbusiness #siliconvalley #carvana #withclutch #nicholashinrichsen #fundraising #entrepreneur #businesstravel #jobsthatinvolvetravel #careersthatinvolvetravel #businesstravelcareer #businesstraveljobs #thetravelwins

Today's guest is Nicholas Hinrichsen, who graduated from Stanford Business School in 2013 and started an online car dealership right after. Together with his co-founder, Chris Coleman, the two entrepreneurs joined the startup accelerator YCombinator in 2014 before raising a total of $10M in Venture capital by 2015. In 2017, the two founders sold their business to Carvana.com. After exactly 3 years with Carvana and less than five weeks ago, the two left Carvana to start up again: the founders started by creating a website about auto loan refinancing-related questions, then built an auto loan refinance calculator and ultimately founded the company at WithClutch.com. In this episode we discuss what led him to Stanford to pursue his MBA, where the idea for the first company came from, and what he hopes for with their new venture. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Founders & Dreamers Series with Nicky Hinrichsen and Chris Coleman. Hello Creative, Today's guests are two Stanford Business School alumni who met in 2011 and started the "Amazon for used cars" in 2013. Nicky and Chris joined YCombinator - Silicon Valley's most prestigious startup accelerator - in 2014 before raising $10M in Venture capital. In 2017, Nicky and Chris sold their business to Carvana.com. The founders feel very passionate about helping Americans with challenged credit and built an auto loan refinance calculator to answer auto loan refinancing-related questions. Their hobby turned into their next venture, WithClutch.com. Thank you for listening. About The Where Dreams Are Made Podcast: This is a special place to get inspiration on how to create your Dream Online Business. Your host Nadia Bernardy, Founder of Work & Woo, will give you insight to help you along your journey to alignment. Each episode will provide you with takeaways at the end so that you can start taking the steps to align your Mind, Business and Spirit. If you consider yourself a digital daydreamer who feels called to start something in the online space but you aren't sure what that something is you are in the right place. Who is Nadia Bernardy: Nadia Bernardy has a Bachelor of Arts Degree in Graphic Design, Web Design and Marketing. She has been working in the online space for over a decade. In 2018 she rebranded her freelance web design business to focus on Business Coaching and Digital Products through her business Work & Woo. She has been helping Creative Entrepreneurs start their business since 2008. Get inspired at https://workandwoo.com Business IG: https://www.instagram.com/workandwoo/ --- Support this podcast: https://anchor.fm/wheredreamsaremade/support

Today, I had the pleasure of talking to Nicky Hinrichsen and Chris Coleman, who went to Stanford Business School and started a venture-backed company called Carlypso in 2013. Working on building the “Amazon for used cars,” the two founders went through Y Combinator in 2014, raised $10 million in venture capital by 2015, and successfully sold the business to Carvana in 2017. Like true entrepreneurs, Chris and Nicky are now working on their next venture called WithClutch. The co-founders discovered that auto loan rates are all over the map, and they built a refinance calculator that allows car owners to reduce their monthly payments and save thousands in just minutes. Time Stamps 0:06:28 – Nicky & Chris’ meeting 0:11:57 – Two stages of a startup: (1) finding value (2) scaling 0:15:37 – Nicky & Chris’ experience at Y Combinator 0:22:42 – What it was like to build the technology as semi-technical co-founders 0:27:17 – Evaluating technical talent outside of your comfort zone 0:39:56 – Things that don’t scale: chasing a stolen car down the highway 0:45:47 – Developing the hustler mentality and structuring processes that worked for them psychologically 0:50:11 – Lessons on hiring, firing, and job inertia 0:57:30 – The Co-Founder relationship: what Nicky and Chris got right 1:03:48 – Nicky’s confrontation with a copycat 1:06:28 – Creating a culture of candor 1:08:26 – “Touchy Feely” at Stanford GSB 1:11:06 – Things they’d whisper in their own ears: some lessons are best hard-learned, it’s important to take time off, it’s good to form an informal advisory board, be easier on yourself when you miss high bars 1:13:30 – Books: ( www.strategychainpodcast.com/support ) Never Split the Difference by Chris Voss (and an example), High Output Management by Andy Grove 1:18:00 – Where to connect with Nicky and Chris: LinkedIn https://www.linkedin.com/in/nicholas-hinrichsen-7b33874a/ ; https://www.linkedin.com/in/christopher-coleman-a316696/ Strategy Chain Links Rate and review the podcast at https://podcasts.apple.com/us/podcast/strategy-chain/id1492935567 Find Amazon affiliate links at http://strategychainpodcast.com/support Send me questions at http://strategychainpodcast.com/contact Sign up for the email list at http://strategychainpodcast.com/ Social Media @strategychain (Facebook, Twitter, Instagram, Medium)

In this episode, Nicholas Hinrichsen & Chris Coleman tell the story of scaling and selling their business to Carvana after graduating from Stanford Business School. They also share insight on their newest venture, WithClutch.com, a fully digital platform that lets car owners like you source auto loans from the comfort of their own home. You don't want to miss this! #YouAreYoungMoney

Our friends Chris Coleman and Nicky Hinrichsen studied at Stanford's Graduate School of Business from 2011 to 2013. On a trip to South East Asia, the two talked about entrepreneurial ideas in the car space and ended up starting a company called Carlypso. At first, Carlypso helped individuals sell their cars to other individuals. Later on, Chris and Nicky pivoted from consigning privately owned cars to a consigning off-lease and rental vehicles. In 2017, Chris and Nicky sold Carlypso to Carvana. The two founders couldn't resist and decided to start a new company www.WithClutch.com. The premise for the new business is this: car owners with high interest auto loans often end up with lot's of negative equity. To address this problem, Chris and Nicky want to create a new auto loan product that rewards car owners for making their payments by reducing the interest rate of the loan over time. This #CarGuyConfessionSession will show that in order to grow you must make mistakes and learn from them. Keep Brewin' Solutions

Our friends Chris Coleman and Nicky Hinrichsen studied at Stanford's Graduate School of Business from 2011 to 2013. On a trip to South East Asia, the two talked about entrepreneurial ideas in the car space and ended up starting a company called Carlypso. At first, Carlypso helped individuals sell their cars to other individuals. Later on, Chris and Nicky pivoted from consigning privately owned cars to a consigning off-lease and rental vehicles. In 2017, Chris and Nicky sold Carlypso to Carvana. The two founders couldn't resist and decided to start a new company www.WithClutch.com. The premise for the new business is this: car owners with high interest auto loans often end up with lot's of negative equity. To address this problem, Chris and Nicky want to create a new auto loan product that rewards car owners for making their payments by reducing the interest rate of the loan over time. This #CarGuyConfessionSession will show that in order to grow you must make mistakes and learn from them. Keep Brewin' Solutions --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

In this episode, Christopher and Nicholas gives us some insider tips regarding the importance of refinancing your auto loan, even if you think you got a good rate.  They had some great tips, and here are just a few of them: Be sure to do your research when shopping for a car; Through their website, you can have a soft pull of your credit to see how you can qualify for a lower rate; Try and pre-approve before you even walk into the dealership, so you know what rate you qualify for Be prepared to take notes! Contact Information and Other Resources Our guests today was Christopher Coleman & Nicholas Hinrichsen, Co-owners of WithClutch.com in Tempe AZ. We believe in financial fairness and equality. America is our community and we are here to bring all of us together again. Everyone deserves a chance.  WithClutch  ____________________ Our host of Divorce Conversations for Women Podcast is Rhonda Noordyk, CFEI Rhonda Noordyk's relentless pursuit of financial justice for women going through divorce drove her to leave the financial industry in 2014 to open The Women's Financial Wellness Center. She was in search of a better way. She used her knowledge, passion, and experience to build a leading-edge business model. The intention was to create a business that provided a safe place for women - especially those in a vulnerable position - to find their paths, find their voices and find the financial confidence they need to lift themselves out of seemingly hopeless situations. Since starting the Women’s Financial Wellness Center, after a 10+ year career in the financial industry, she has helped alleviate financial vulnerability for thousands of women. ​In addition to being the CEO of The Women’s Financial Wellness Center, Rhonda is also a professional speaker. While her platform is women’s money wellness, it is not just about money. Her topics include: assertive communication, boundaries, leadership and overcoming financial myths. Her speaking experience includes: GE Healthcare, UWM Women’s Leadership Conference and Marquette Law School. In addition, she has appeared on Fox6 News, Real Milwaukee, and Morning Blend. Her dynamic and inspirational style leaves women with a sense of empowerment.   Rhonda Noordyk, CFEI  CEO | The Women's Financial Wellness Center rhonda@wfwcllc.com | (262) 522-1502 Facebook | Twitter | Instagram | LinkedIn | YouTube Schedule a FREE 30-Minute Phone Call ____________________ Sponsored by: Divorce Conversations For Women (online course) ____________________ Visit the Women’s Financial Wellness Center for a full directory listing of experts. Be sure to reach out if you would like to connect personally with the Women’s Financial Wellness Center. You can visit our website or grab a complimentary 30-minute consult. Leaving a positive podcast review is hugely important: they help the podcast get discovered by new people. Please spend 5 minutes of your time to leave a review on your preferred listening platform, we’d love to hear from you!  

Nicholas and Christopher are the founders of WithClutch. WithClutch helps you refinance your car, allowing you to get cash or lower your payments today!

Our friends Chris Coleman and Nicky Hinrichsen studied at Stanford's Graduate School of Business from 2011 to 2013. On a trip to South East Asia, the two talked about entrepreneurial ideas in the car space and ended up starting a company called Carlypso. At first, Carlypso helped individuals sell their cars to other individuals. Later on, Chris and Nicky pivoted from consigning privately owned cars to a consigning off-lease and rental vehicles. In 2017, Chris and Nicky sold Carlypso to Carvana. The two founders couldn't resist and decided to start a new company www.WithClutch.com. The premise for the new business is this: car owners with high interest auto loans often end up with lot's of negative equity. To address this problem, Chris and Nicky want to create a new auto loan product that rewards car owners for making their payments by reducing the interest rate of the loan over time. Come Get You Some Fresh NEWS. Keep Brewin' Solutions

Our friends Chris Coleman and Nicky Hinrichsen studied at Stanford's Graduate School of Business from 2011 to 2013. On a trip to South East Asia, the two talked about entrepreneurial ideas in the car space and ended up starting a company called Carlypso. At first, Carlypso helped individuals sell their cars to other individuals. Later on, Chris and Nicky pivoted from consigning privately owned cars to a consigning off-lease and rental vehicles. In 2017, Chris and Nicky sold Carlypso to Carvana. The two founders couldn't resist and decided to start a new company www.WithClutch.com. The premise for the new business is this: car owners with high interest auto loans often end up with lot's of negative equity. To address this problem, Chris and Nicky want to create a new auto loan product that rewards car owners for making their payments by reducing the interest rate of the loan over time. Come Get You Some Fresh NEWS. Keep Brewin' Solutions

Nicholas Hinrichsen was born and raised in Germany and played on the German National Golf Team and studied Computer Science and Finance in Germany, Chile, and Australia. At the start of his career, he looked into consulting and investment banking but instead joined a renewable energy startup that invested in projects in China and India. In 2011, he moved to the US to get his MBA at Stanford Business School, and by 2013 he started a company called Carlypso. He brought that startup through YCombinator in 2014, raised $10 million in venture funding by 2015, and sold the company to Carvana.com in 2017. Carvana went public at a market cap of $2.5B and is now the most valuable used car retailer in the US. Nicholas and his co-founder, Chris Coleman, recently left Carvana to start WithClutch.com, a fully digital platform that lets car owners refinance auto loans from the comfort of their own home. The team at WithClutch.com has seen that in the US, only 5% of auto loan applications were refinancing, yet 47% of all funded mortgage applications were refinancing. So, they are going to change that!   “To succeed as a startup, all you need to do at the very beginning is to leave the building and talk to customers.” Nicholas Hinrichsen   Worst investment ever Young investor When Nicholas was 16, the only thing he knew how to do well back then was playing golf. Then all of a sudden, his friends in school, even some golfers, started talking about investing in technology companies. Nicholas had about $2,000, which was a lot of money for him at the time. His friends told him to invest the money because he could easily 10x that money. Afraid to miss out As everyone around him continued to invest in the tech companies, Nicholas decided to look into it because he felt like he was missing out. He signed up for an account online, went to the physical branch to verify his identity, and then eventually got access to the stock market. Now with an account, Nicholas could shop around for a company to invest in. But with so many options, he was baffled. One of his friends advised him to buy some magazines and then just read about the stocks in these magazines because the magazines wouldn’t recommend buying those stocks if they weren’t the best. And that’s precisely what Nicholas did. Making his first investment and mistake Nicholas didn’t know any of the companies in the magazines, but one resonated with him because that happened to be Germany’s biggest telecom. He felt that this would be a good choice. Nicholas took the money he had and used it all to buy the stock at $120 per share. Sadly, that remains the highest price the stock has ever traded. The stock price went downhill a few months after Nicholas bought it. First slowly, then rapidly, to a point where Nicholas was just watching from the sidelines as the price went down to zero. Finally letting go of his worst investment Nicholas somehow held onto his stock for years, even though he wasn’t making any returns on it. A few years later, he moved to the US for work. He wasn’t allowed to hold a foreign account, and so he was forced to transfer his portfolio in Germany to his US bank. However, he decided that the lousy stock was not worth the effort and so he sold it and counted his losses. Lessons learned The stock market is tricky Succeeding in the stock market is harder than winning the gold medal at the Olympics, so brace yourself and go ready to give it your all. Don’t hold onto cash Cash is not as great as people think it is, especially if there’s inflation. You lose money in the long run by keeping cash in the bank. Invest in a diversified portfolio Manage risk by investing in a diversified portfolio and hire a fund manager to manage this portfolio. This removes emotions out of the investment. Invest for the long term You can only make or preserve your wealth if you’re investing for the long term. Humans act either out of fear or out of greed When it comes to investing, neither fear or greed helps you make wealth. Fear makes you sell your stock when the stock market goes down because you’re afraid it could go further down. Then you miss the upswing. When stocks go up, you get greedy and go into the market, but what you don’t realize is that you’re paying expensively. Andrew’s takeaways Avoid FOMO when investing in the US stock market Be very careful when listening to other people talk about their investments and wanting to do it too because they sound so successful. People only talk about their wins and rarely about their losses. So do not believe everything that you hear. No action in life that is risk-free Every single action has a benefit and a cost. If you put money into the bank, and you don’t get the interest payment, it doesn’t grow. Now you have exposed yourself to shortfall risk, the risk that the money that you need at retirement will not be there. Actionable advice Sign up for a diversified portfolio and get a fund manager to manage it for you. No. 1 goal for the next 12 months Nicholas’s number one goal for the next 12 months is to build another company that impacts people and hopefully makes life better in the US. Parting words   “Run risks, but be smart. Know which risks you’re taking, be very deliberate, and choose the ones that you have under control. Then outsource the ones that you don’t to somebody who’ll have them under control.” Nicholas Hinrichsen   Connect with Nicholas Hinrichsen LinkedIn Twitter Website Andrew’s books How to Start Building Your Wealth Investing in the Stock Market My Worst Investment Ever 9 Valuation Mistakes and How to Avoid Them Transform Your Business with Dr.Deming’s 14 Points Andrew’s online programs Valuation Master Class How to Start Building Your Wealth Investing in the Stock Market Finance Made Ridiculously Simple Become a Great Presenter and Increase Your Influence Transform Your Business with Dr. Deming’s 14 Points Connect with Andrew Stotz: astotz.com LinkedIn Facebook Instagram Twitter YouTube My Worst Investment Ever Podcast Further reading mentioned Jason Zweig (2007) Your Money and Your Brain: How the New Science of Neuroeconomics Can Help Make You Rich  

Our friends Chris Coleman and Nicky Hinrichsen studied at Stanford's Graduate School of Business from 2011 to 2013. On a trip to South East Asia, the two talked about entrepreneurial ideas in the car space and ended up starting a company called Carlypso. At first, Carlypso helped individuals sell their cars to other individuals. Later on, Chris and Nicky pivoted from consigning privately owned cars to a consigning off-lease and rental vehicles. In 2017, Chris and Nicky sold Carlypso to Carvana. The two founders couldn't resist and decided to start a new company www.WithClutch.com. The premise for the new business is this: car owners with high interest auto loans often end up with lot's of negative equity. To address this problem, Chris and Nicky want to create a new auto loan product that rewards car owners for making their payments by reducing the interest rate of the loan over time. Come listen to this part 1 of the #5liner. We are Brewin' Solutions and all you have to do is Get You Some! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Our friends Chris Coleman and Nicky Hinrichsen studied at Stanford's Graduate School of Business from 2011 to 2013. On a trip to South East Asia, the two talked about entrepreneurial ideas in the car space and ended up starting a company called Carlypso. At first, Carlypso helped individuals sell their cars to other individuals. Later on, Chris and Nicky pivoted from consigning privately owned cars to a consigning off-lease and rental vehicles. In 2017, Chris and Nicky sold Carlypso to Carvana. The two founders couldn't resist and decided to start a new company www.WithClutch.com. The premise for the new business is this: car owners with high interest auto loans often end up with lot's of negative equity. To address this problem, Chris and Nicky want to create a new auto loan product that rewards car owners for making their payments by reducing the interest rate of the loan over time. Come listen to this part 1 of the #5liner. We are Brewin' Solutions and all you have to do is Get You Some! Part 2 --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Our friends Chris Coleman and Nicky Hinrichsen studied at Stanford's Graduate School of Business from 2011 to 2013. On a trip to South East Asia, the two talked about entrepreneurial ideas in the car space and ended up starting a company called Carlypso.At first, Carlypso helped individuals sell their cars to other individuals. Later on, Chris and Nicky pivoted from consigning privately owned cars to a consigning off-lease and rental vehicles.In 2017, Chris and Nicky sold Carlypso to Carvana. The two founders couldn't resist and decided to start a new company www.WithClutch.com.The premise for the new business is this: car owners with high interest auto loans often end up with lot's of negative equity. To address this problem, Chris and Nicky want to create a new auto loan product that rewards car owners for making their payments by reducing the interest rate of the loan over time, you check out their auto loan calculator here. https://www.withclutch.com/auto-loan-refinance-calculatorCome listen to this part 2 of the #5Liner. We are Brewin' Solutions and all you have to do is Get You Some!

Our friends Chris Coleman and Nicky Hinrichsen studied at Stanford's Graduate School of Business from 2011 to 2013. On a trip to South East Asia, the two talked about entrepreneurial ideas in the car space and ended up starting a company called Carlypso. At first, Carlypso helped individuals sell their cars to other individuals. Later on, Chris and Nicky pivoted from consigning privately owned cars to a consigning off-lease and rental vehicles. In 2017, Chris and Nicky sold Carlypso to Carvana. The two founders couldn't resist and decided to start a new company www.WithClutch.com. The premise for the new business is this: car owners with high interest auto loans often end up with lot's of negative equity. To address this problem, Chris and Nicky want to create a new auto loan product that rewards car owners for making their payments by reducing the interest rate of the loan over time, you check out their auto loan calculator here. https://www.withclutch.com/auto-loan-refinance-calculatorCome listen to this part 1 of the #5Liner. We are Brewin' Solutions and all you have to do is Get You Some!

Chris and Nicholas are the founders of www.WithClutch.com. The two met at Stanford Business School in 2011 and started their first company, Carlypso, in 2013. After going through YCombinator and raising $10M in venture funding, Chris and Nicholas sold Carlypso to Carvana in 2017. Their new business, WithClutch, allows car owners to calculate savings and refinance their loans from the comfort of their home. Chris is a huge car enthusiast. He went to the Massachusetts Institute of Technology (MIT) for undergrad, joined McKinsey & Company out of college and worked at McLaren in the UK before graduating from Stanford. Nicholas used to be an avid golfer, playing on Germany's national team for four years. After finishing his master's degree in Germany, he worked at Bain & Company and Merrill Lynch before he moved to the U.S. in 2011. Connect with Nicholas Hinrichsen and Chris Coleman WithClutch Carvana Nicholas Hinrichsen on LinkedIn Chris Coleman on LinkedIn Some of the Topics Covered by Nicholas and Chris in this Episode What is WithClutch? How they got the idea for WithClutch while running their first business, Carlypso How Chris' dream of working for a Formula 1 team eventually led him to the Stanford Graduate School of Business How Nick went from playing on the German golf national team to working in renewable energy to Stanford for business school, where he met Chris How Carlypso was born when Chris and Nick began helping their classmates sell their cars at Stanford What factors nudged Chris into entrepreneurism Why Nick decided to become an entrepreneur in the U.S. instead of Germany Getting their first $50K and deciding to start Carlypso The customer discovery process and finding value as they began their business The founder relationship between Chris and Nick and how they knew they could build a business together Beginning to find investors, and how they quickly went from a goal of $250K to $1M Expectation versus reality regarding the management of their initial funds The problems they ran into as they looked to scale Carlypso as a peer to peer model Joining the Y Combinator accelerator program and how they addressed the issue of not growing fast enough How changing their model led to a growth in inventory from 100 cars to 30,000 overnight How immense growth affected the business operationally The strengths and weaknesses of Carlypso's marketing strategy The challenge of explaining the Carlypso model to consumers The two methods they used to build out the Carlypso team as they continued to grow The biggest obstacles Nick and Chris faced, mistakes made, and the importance of trusting your intuition What led to the Carvana acquisition, and how they managed the transition The recent launch of their newest venture, WithClutch The most important lessons each Nick and Chris have learned as entrepreneurs Links from the Episode Y Combinator (startup accelerator)

#26 I had a great chat with Nick and Chris from withclutch.com regarding auto loan refinancing.  Nick and Chris met at Stanford business school and started their first company, Carlypso, which they later sold.  Withclutch.com offers a simple and easy way to refinance your used vehicle.  If you currently have a high interest auto loan, it's worth taking a look at www.withclutch.com to save you money. What are you really paying in Taxes? Hit subscribe on your favorite channel to join our personal finance unfiltered family so you can receive notifications on future episodes. www.personalfinanceunfiltered.com