Founder · Investor · Sydney
I've built and sold a fintech. Now I back founders doing it next.
Co-founder of Waddle (acquired by Xero) and three lenders that funded $2B+ to SMEs. I write $25k–$300k pre-seed and seed cheques in fintech, AI, robotics, crypto, biotech and agtech.
Track record
Built, not just backed
Operator first. I've built lending businesses from zero, sold one to Xero, and now back the founders coming next.
~$80M
Waddle exit to Xero
$2B+
Lent to SMEs
3
Lending businesses built
$25k–$300k
Pre-seed and seed cheques
Where I invest
Pre-seed and seed. Australia and global founders.
Fintech & payments
New rails, lending and money movement.
AI & agents
Software that acts, including agentic payments.
Robotics
Machines doing real work in the physical world.
Crypto & on-chain rails
Stablecoins and programmable money.
Biotech
Science-led companies with clear paths to market.
Agtech
Tools that make farming more productive.
What I'm watching: AI agents and robots that transact
The next customers won't all be people.
- 01
Agents that buy and pay
AI that negotiates, purchases and settles on its own.
- 02
On-chain payment rails
Stablecoins that software can hold and spend, without a bank account.
- 03
Robotics meets payments
Physical machines that earn, spend and settle.
Background
2015
Waddle, co-founder
SME lending platform.
2020
Exit to Xero
Waddle acquired for ~$80M.
Lending
Three funding businesses
Non-bank lenders that funded $2B+ to SMEs.
Now
Nine25 & investing
Earned wage access and wealth tools, plus pre-seed and seed cheques.
In the press
Selected coverage
Coverage of Waddle, Nine25 and my lending work.
Pitch
Building something? Send it over.
A deck or a demo. I reply when I can be useful.