"You Have A Valuation Of £5M" | Dragons' Den

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  • Опубліковано 28 гру 2024

КОМЕНТАРІ • 475

  • @milamarshall7842
    @milamarshall7842 11 місяців тому +299

    5.1% fee to simply middle man a loan is actual insanity. You can get a bank loan where it’s the banks capital for a little more than that and he wants that to do literally nothing but provide a loan agreement that’s free on google. Actual insanity.

    • @rleriche5044
      @rleriche5044 11 місяців тому +3

      Exactly. First thing I thought.

    • @athertonken
      @athertonken 11 місяців тому +13

      Was surprised some of the Dragons thought it was a good idea, gone down a notch in my estimation.

    • @Liberty_Freedom_Brotherhood
      @Liberty_Freedom_Brotherhood 11 місяців тому +4

      Funding circle charge a 6.9% arrangement fee plus interest of over 13% per year

    • @BDogs10
      @BDogs10 11 місяців тому +4

      @@athertonken you’re right 🤦‍♂️.
      Recent years the bank of Mum & Dad has become more of a thing. I’m thinking who is going to want to pay extra for this simple lend? Sure, it’s there to be a safeguard but I can’t see a mass appeal for this Service.
      & Of course any of the Dragons could do this themselves. & to cut in at such a low %? don’t get it🤦‍♂️

    • @TheAazah
      @TheAazah 11 місяців тому +5

      This can pray on the vulnerable

  • @Lunchladydoyle
    @Lunchladydoyle 11 місяців тому +389

    Holy crap. His tech guy was too scared to come and this guy was too dimwitted to at least learn the basics of how their technology works. What a mess !!

    • @fanficrocks
      @fanficrocks 11 місяців тому +15

      I wouldn't be so harsh, there are people out there that have a phobia of speaking in public / on national television or in front of a high pressure situation.

    • @KINGKING10109
      @KINGKING10109 10 місяців тому +7

      You can tell this guy comes from Money.
      He had a great idea & invested Family money into it,
      But he’s never had to walk the hardships of life to earn that money so he lacks a lot of character traits.

    • @htomerif
      @htomerif 4 місяці тому

      It's pure garbage. If you visit their site, its a broken mess that I could put together in an afternoon. In order to see anything on their site other than the landing page, you have to enter a password, but don't worry: any password will work, or just no password at all. Primo security. Just click around on "Discover" and behold the dumpster fire.

  • @peterreber7671
    @peterreber7671 11 місяців тому +200

    "Borrow with pride from family and friends". That just doesn't exists. Without embarrassment maybe, but not with pride.

    • @Theresa-lt3ki
      @Theresa-lt3ki 11 місяців тому +8

      Well said

    • @2High2bebad
      @2High2bebad 9 місяців тому

      its called rhetoric

    • @chcarroll5164
      @chcarroll5164 8 місяців тому +7

      @@2High2bebad there's a word for loans made to family and friends: "gift"

  • @demonmech
    @demonmech 11 місяців тому +625

    Good lord this was a tough one to watch. I’m shocked he got an offer

    • @bluceree7312
      @bluceree7312 11 місяців тому +11

      And it had to be Stephen, of course.

    • @colmwhateveryoulike3240
      @colmwhateveryoulike3240 11 місяців тому

      ​@@bluceree7312And Deborah.

    • @alexmason2641
      @alexmason2641 11 місяців тому

      @@bluceree7312 any idea how stephen is doing with his investments? seems like most of his decisions are based on what his heart thinks

    • @BDogs10
      @BDogs10 11 місяців тому +20

      how on earth did he get an offer??
      & besides I think the offer was very generous = what for?

    • @RobertBlack-p8v
      @RobertBlack-p8v 11 місяців тому +7

      Yeah I didn’t enjoy this one! He made me feel uncomfortable 👀😂 feel bad saying that but it’s true.

  • @WeeMan283
    @WeeMan283 11 місяців тому +200

    The reason we borrow from family is to not pay you fees so... im out

  • @rileywebster5632
    @rileywebster5632 9 місяців тому +197

    At first I was thinking “this is one of the worst pitches ever”. Then I thought “this is the worst pitch to ever get an offer”. Then I thought “this is the worst pitch to ever get two offers”. Then I thought “this is the worst pitch to ever seal a deal”.
    Unfuckingbelievable.

    • @BDogs10
      @BDogs10 9 місяців тому +6

      Bro😂, spot on.
      Let’s all go on there & pitch some rubbish.
      *almost guaranteed to bag a Dragon

    • @MyFoodeater
      @MyFoodeater 7 місяців тому +1

      This is bad but… le beanock is the worst product that ever got investment

    • @JoaquimSerafim
      @JoaquimSerafim 6 місяців тому +1

      u got it the worst BS ever

    • @WobblesandBean
      @WobblesandBean 5 місяців тому +2

      ​@@MyFoodeater I still can't understand how that one got invested. I checked the website once, it was obvious the woman wrote all the marketing blurbs herself, including a fake interview, and it was the most cringe thing I've ever seen.

    • @illyam_4
      @illyam_4 2 місяці тому +1

      I think that sometimes the dragons spot potential and they have ideas on what to do already in their mind so they just stop caring how bad the pitch is

  • @michaelcross9722
    @michaelcross9722 11 місяців тому +97

    Even though Craig didn't explicitly say it, this whole pitch felt like a "Trust me bro" moment, especially near the end when he convinced Steven to stay in.

  • @karjuntsang6365
    @karjuntsang6365 11 місяців тому +154

    People need to understand that you need to know every single detail of your business before pitching to money lenders and need to know how to pitch confidently

    • @fanficrocks
      @fanficrocks 11 місяців тому +6

      While it is true that you need to know your business inside and out 101 ways from Sunday. What you might be unintended is the overlooking of the human factor in the pitch.

    • @Veeooom
      @Veeooom 8 місяців тому +1

      You say that like he just didn't walk away with a deal 😂

  • @watson2288
    @watson2288 10 місяців тому +90

    “Ever so sorry your family member has missed a payment, shall we send the bailiffs around for you?”

    • @TheRedbandana93
      @TheRedbandana93 15 днів тому +1

      exactly my thoughts. What happens when the agreement goes wrong and monies owed are not getting paid?

  • @dimitar4y
    @dimitar4y 11 місяців тому +262

    "I put a lot of time in it :D" 5 years = 5 million? I love this show. Clown central.

    • @webrevolution.
      @webrevolution. 11 місяців тому +5

      He said it was 4 years, not 5.

    • @dimitar4y
      @dimitar4y 11 місяців тому +8

      @@webrevolution. oh, yes, 1 year big difference, easily makes the 5 million.

    • @FLower13582
      @FLower13582 11 місяців тому

      I understand where you're coming from. However, time can be subjective. We don't know the amount of hours and effort that went into it. And even then, time itself is subjective. Because 5 years may not seem like a lot to one person but it is to another.

    • @dimitar4y
      @dimitar4y 11 місяців тому +6

      @@FLower13582 dude you even real? He doesn't know a thing about his business. He looks like a thief that somehow stole it and wants to fence it.

    • @top.secret000
      @top.secret000 10 місяців тому +6

      You don’t value a business based on how much time was spent founding it. By that logic, if I spent 100 years founding a company then it should be valued in the billions right? Obviously not. Businesses are valued based on their profitability potential.

  • @earlofcumbrae-Ground_Zero
    @earlofcumbrae-Ground_Zero 11 місяців тому +149

    I can't believe he got offers !! Crazy valuation & he seems clueless

    • @paulct91
      @paulct91 11 місяців тому +9

      Very sad, explains why tech bro, was rushing to his defense!

    • @declantill8864
      @declantill8864 11 місяців тому +5

      I'm sick of SB, drips with insincerity

    • @colmwhateveryoulike3240
      @colmwhateveryoulike3240 11 місяців тому +1

      ​@@paulct91Deborah was first.

    • @roryfitzpatrick3571
      @roryfitzpatrick3571 11 місяців тому +5

      This is what they do with a lot of ideas that they see potential in. They tear apart the CEO, pick holes in it non-stop and then lowball with an offer.

    • @michaelclayton2323
      @michaelclayton2323 3 місяці тому

      I wasn't. Nothing is impossible.

  • @Fillmuty
    @Fillmuty 11 місяців тому +43

    The "thank you but no thank you" part in the end just goes to show he really has no clue on how lucky he was by getting 2 offers. He was completely destroyed through the who pitch and yet threw a little arrogant comment in the end.

    • @irishjay9485
      @irishjay9485 11 місяців тому +4

      I know imagine doing one of the worst pitches in a while and saying that. Doomed to fail anyway

    • @ReDkOaLa64
      @ReDkOaLa64 6 місяців тому +1

      yea that part got me too, she was actually nice enough to give an offer and he disrespected her by sayin that to her face

  • @rachmadsuhartono
    @rachmadsuhartono 11 місяців тому +226

    An entitled spoiled private school CEO that made existing problems worse. My favourite kind of pitch

    • @jcasstudio
      @jcasstudio 10 місяців тому +1

      do you know him? do you know what he has gone through?

    • @NunezNunezNunezNunezNuneNunez
      @NunezNunezNunezNunezNuneNunez 10 місяців тому +22

      @@jcasstudiohis pitch was beyond trash

    • @CMW__
      @CMW__ 10 місяців тому

      Entitled? Jealousy much

    • @Marais-cu3vo
      @Marais-cu3vo 10 місяців тому

      Better than Indonesia.

    • @david-pb4bi
      @david-pb4bi 4 місяці тому

      He was lazy even his own family wouldn’t have anything todo with him.

  • @penguthepenguinj
    @penguthepenguinj 11 місяців тому +268

    Typical ceo he doesn't know anything about even his code and why it's built well

    • @Ziggykitty666
      @Ziggykitty666 11 місяців тому +10

      Sounds like Elon musk

    • @hennersss
      @hennersss 11 місяців тому +44

      ​@@Ziggykitty666Elon has incredible knowledge about his companies, what a strange comment.

    • @Ziggykitty666
      @Ziggykitty666 11 місяців тому +28

      @@hennersss nah, he just used daddy’s money to buy successful companies with people who know the business or has always hired people to do those things for him. Every time he speaks about coding, he sounds ridiculous.

    • @arronchiplin1446
      @arronchiplin1446 11 місяців тому

      ​@@Ziggykitty666bitter

    • @sigma_z
      @sigma_z 11 місяців тому +4

      No, that's not a typical CEO at all. This was NOT in any way or form any characteristics of any successful CEO I know.

  • @FloorDoughnut
    @FloorDoughnut 11 місяців тому +139

    lmao bro really said "people are struggling and having to borrow money from their families who are also struggling... but how do *I* make money from this? of course to help people struggle together" CEO brainrot is so real

    • @FloorDoughnut
      @FloorDoughnut 11 місяців тому +10

      i watch this show to feel something (varying levels of disgust lmao)

    • @JoeWilson738
      @JoeWilson738 11 місяців тому

      You should always be looking at ways to capitalise, sometimes you need to play on some peoples issues to get there.

    • @FloorDoughnut
      @FloorDoughnut 11 місяців тому +17

      @@JoeWilson738 no you dont lmao

    • @goodbot8526
      @goodbot8526 11 місяців тому

      By your logic everything that helps struggling people must be free.

    • @JoeWilson738
      @JoeWilson738 11 місяців тому

      @@FloorDoughnut This is why your going to become nothing, and in a multi-millionaire at 21

  • @dirtytourist777
    @dirtytourist777 11 місяців тому +40

    Absolute melt this guy

  • @waqasalikhanrajput
    @waqasalikhanrajput 11 місяців тому +46

    I'm a developer and I can create something like this in a week.
    It's nothing unique or amazing. Most of thr payment management is done by the payment gateways, so they don't even have to do that.
    What is unique here.. I don't know..

    • @jamiebee1231
      @jamiebee1231 11 місяців тому +15

      Purple sliders

    • @dombo813
      @dombo813 11 місяців тому +1

      I'm not a developer and I could create something like this in two weeks.

    • @TheManInBlueFlames
      @TheManInBlueFlames 10 місяців тому +1

      The database is unique.

    • @XzeroNetwork
      @XzeroNetwork 10 місяців тому +1

      @@TheManInBlueFlames Probably using Firebase 😂

  • @ianlister7333
    @ianlister7333 11 місяців тому +108

    I suspect Stephen knows a dozen people, who could take this idea, and actually make it work.

    • @dazediss6629
      @dazediss6629 11 місяців тому +22

      Yep. And one of them is called Peter Jones.

    • @ianlister7333
      @ianlister7333 11 місяців тому

      @@dazediss6629 fair

    • @lorddarlo6194
      @lorddarlo6194 5 місяців тому

      ​@@dazediss6629So to does Deborah also Peter lol, Peter wouldn't charge 5.1%. The Reality is Steven himself could probably take the idea and make it work

  • @fitnessboy2024
    @fitnessboy2024 11 місяців тому +38

    So great pitches gets declined and worst pitch gets investors🤔 "Venture Capitalists Don’t Invest In Startups. They Invest in Founders" makes no sense anymore 😂

  • @Mohonnova
    @Mohonnova 11 місяців тому +55

    I've seen hundreds of DD episodes, and this was the most difficult to watch...

    • @roses2361
      @roses2361 11 місяців тому +5

      Agreed. Biggest disaster to date.

    • @TyBrocklehurst
      @TyBrocklehurst 11 місяців тому +1

      ​@@roses2361how about you do it he's nerves got to him I don't see you pitch or business enywhere

    • @theFirstJaiye
      @theFirstJaiye 4 місяці тому

      ​@@TyBrocklehurst
      Don't use that excuse, please. When you want to get someone's money, you don't excuse your cluelessness and ignorance by this nervousness thing.
      He should have known who he was going to meet: INVESTORS-and that they would need proof, not anxiety.

  • @athertonken
    @athertonken 11 місяців тому +24

    Just doesn't feel right to commercialise / digitise personal relationships in that way. And if someone does want to formalise a loan they can just get a agreement from a solicitor for a fixed fee oo a few hundred. Here we have a situation where a loan of say £50000 is actually £47500 because £2500 will go immediately to a third party. Imho anyway.

  • @lus
    @lus 11 місяців тому +138

    Patent attorney here. Never getting a patent in the US.

    • @mrhaltonok
      @mrhaltonok 11 місяців тому +14

      You’ll know then that they’ll patent absolutely any idea in the US. Companies do this for things they don’t ever intend to make, just to stop other US companies from being able to compete

    • @padc1
      @padc1 11 місяців тому +19

      His patent has been granted 😂

    • @GuessTheSongMS
      @GuessTheSongMS 11 місяців тому +2

      Not sure what he patented, US already has AAVE and Compound Finance.

    • @ryanfletcher1899
      @ryanfletcher1899 11 місяців тому +23

      Then go find a new profession cos it’s been granted 😂

    • @Asif-kh-n9r
      @Asif-kh-n9r 11 місяців тому +1

      ​@@ryanfletcher1899😂😂😂

  • @dombo813
    @dombo813 11 місяців тому +15

    Targeting the most desperate people in society, to skim 5% off the goodwill of their relatives.

  • @TravelChimp
    @TravelChimp 10 місяців тому +10

    Dragons den is so so much better than Shark tank. I wish this was on TV in AUS

  • @Healingmusicformindandsoul
    @Healingmusicformindandsoul 11 місяців тому +14

    Its sort of like a car. It dont matter how many hours you been working on it, that wont increase its value unless it runs.

  • @abreathingcoffin8089
    @abreathingcoffin8089 11 місяців тому +13

    actually wisest thing Touker has ever caught

  • @Alex_9652
    @Alex_9652 11 місяців тому +59

    How tf did he get 2 offers with really low equity? I would of wanted at least 80%

    • @JoeWilson738
      @JoeWilson738 11 місяців тому +9

      An investor is never going to ask for 80% 💀

    • @saintjimmy456
      @saintjimmy456 11 місяців тому +1

      80%? Probably why they are millionaires and on the show getting deals and you are just in the comments.

    • @ianrae1546
      @ianrae1546 11 місяців тому +5

      And I wouldn’t want to give 80% of my business to someone that says ‘of’ instead of ‘have’.

    • @007alztruli
      @007alztruli 3 місяці тому +1

      ​@@ianrae1546I hate seeing that

  • @AH-te5gs
    @AH-te5gs 10 місяців тому +6

    8:52 is the worst of it. You're just not backable if you haven't even checked if your brandname is already in use.

    • @emredonger2832
      @emredonger2832 5 місяців тому

      The worst part is there actually is another JustLend and it appears higher than this on a Google search lol

  • @edd9632
    @edd9632 11 місяців тому +9

    What an awful idea. Nothing splits families and friends apart like lending them money!

  • @mauharley
    @mauharley 11 місяців тому +25

    I don't get it. There's no security underpinning the loan, so if the borrower defaults on the repayments, what happens next?

    • @monsterfurby
      @monsterfurby 11 місяців тому +34

      Well they won't be invited to brunch at Aunt Martha's anymore, of course.

    • @TheJBronson
      @TheJBronson 11 місяців тому +1

      lol@@monsterfurby

    • @Forex_Uncovered
      @Forex_Uncovered 11 місяців тому

      @@monsterfurby😂😂😂

    • @jezzdude107
      @jezzdude107 11 місяців тому +1

      It’s probably similar to any other form of unsecured lending like a credit card. In the event of default it would put a mark on their credit file.

    • @thomasdalton1508
      @thomasdalton1508 8 місяців тому +4

      They get an automated email from the platform reminding them to make the payment. Nothing else happens. This is just a payment tracking system. It doesn't change the basic facts of the loan. It really doesn't add anything to justify the 5% fee...

  • @sambaker7792
    @sambaker7792 11 місяців тому +24

    Surely the main problem is people enter into this sort of agreement on the good faith that it will be paid back. Most people id have thought wouldn't want to use this because the borrowers usually have the initial intention of paying it back, and the lenders would trust that they will. I also don't really see how it makes it less embarassing. Just dont see it taking off really

    • @catman2484
      @catman2484 11 місяців тому +10

      I couldn't agree more... I think it's MORE embarrassing to feel the need to go through tech formalities with your own family and friends, rather than pledging trust that comes with the close bond of these people.

    • @TheDandonian
      @TheDandonian 11 місяців тому +3

      We have all very different versions of family and friends.
      Those with proper money, lending 4-8 figure sums to their cousins, for business purposes or to help secure deposits on a house, etc... are usually not afraid to ask for formalities and interest, etc. This isn't like when you borrow £100 until payday.

    • @tetri90
      @tetri90 8 місяців тому +1

      @@TheDandonian Yes but then what is the platform providing ?
      Exemples of lending contracts can easily be found for free online an the actual payement isn't difficult to make through your banks, so what is the app adding ?

    • @samuelbarnard675
      @samuelbarnard675 6 місяців тому

      @@tetri90 makes it a lot quicker and you don't need to faff around with writing up contracts and having to worry about any small claims court issues later down the line.

  • @Toa_AU
    @Toa_AU 11 місяців тому +22

    How can someone have spent soo much time working on the company yet cant answer questions on it 🤔

    • @TheManInBlueFlames
      @TheManInBlueFlames 10 місяців тому +2

      Because he didnt write the code, someone else did.

    • @BenjaminGoose
      @BenjaminGoose 8 місяців тому +1

      Can or can't?

    • @Toa_AU
      @Toa_AU 7 місяців тому

      @@BenjaminGoose sorry I meant can’t

    • @positivethinker9840
      @positivethinker9840 7 місяців тому

      It's because, the guy didn't spend 5 years working on this, he had an idea and thinks he the next Bill Gates. I would not lend him a £1, cant trust him

  • @imrank9282
    @imrank9282 11 місяців тому +17

    Yeah, Steven's definitely losing his money on this one. Why tf would someone desperate for money want to pay 5% extra to his platform when asking from family is free, what more to make it look even more like begging with this GoFundMe-lite platform? That 5% would make them get over the embarrassment fast

    • @TheManInBlueFlames
      @TheManInBlueFlames 10 місяців тому +1

      Looks like he didn't.

    • @samuelbarnard675
      @samuelbarnard675 6 місяців тому

      This isn't £100 till the end of payday, a lot of families I know would love something like this when lending each other 4-5 digits.

  • @nks99999
    @nks99999 10 місяців тому +23

    Bro did no homework before coming in. Just going off of pure vibes

  • @cliverobertson6277
    @cliverobertson6277 11 місяців тому +8

    The odd occasion where the product SPOKE for itself 😂😂

  • @kaliou6645
    @kaliou6645 11 місяців тому +10

    8:14 When the entrepreneur said those words "I tried my best" 🙅 He should've told the Dragons "I'm OUT!'

  • @johnfinnerty4243
    @johnfinnerty4243 8 місяців тому +6

    How he got an offer is beyond belief. No information on the patent. 5m valuation. No clear path forward!

  • @ManyMannyMan
    @ManyMannyMan 11 місяців тому +20

    With that crazy valuation and not able to able to explain how your platform is unique, starting to suspect this is just a way to get publicity without actually being serious about investment

  • @garypollard1821
    @garypollard1821 3 місяці тому +2

    Never, never, never lend to friends or familiy.
    That's valuable advice and you can have it for free.

  • @KINGKING10109
    @KINGKING10109 10 місяців тому +9

    You just know when someone comes from Money

  • @alancawfield6549
    @alancawfield6549 11 місяців тому +17

    I don't get out of bed for 2%

  • @Kasperbjerby
    @Kasperbjerby 7 місяців тому +2

    "You have a valuation of 5 million"
    "Yes but you see i have put a lot of time and effort into this, it's not easy to come up with a more complicated way to borrow money from family"

  • @AlanM1966
    @AlanM1966 11 місяців тому +9

    Well if nothing else, this episode has shown that you can walk into the den with a crazy valuation, know nothing about how your business works and still leave having had two offers!...... there's hope for us all 😏

  • @planeguy95
    @planeguy95 11 місяців тому +7

    This was painful. Feel bad for him though. But this was SO unprepared

  • @wzz2891
    @wzz2891 11 місяців тому +7

    How is this guy CEO! Guarantee he is bankrolled by wealthy parents.

    • @MarkL-we8uk
      @MarkL-we8uk 11 місяців тому

      Someone's useless nephew

    • @65v
      @65v 8 місяців тому +1

      Anyone can be a ceo you can start a business with about 10 dollars

  • @shibbymiyah6614
    @shibbymiyah6614 11 місяців тому +7

    Wow i cant believe he got offers

  • @swgohhillsy928
    @swgohhillsy928 11 місяців тому +13

    Shocking pitch

    • @aftabmohammedify
      @aftabmohammedify 11 місяців тому +1

      Even shocking he got not one but two offers.

  • @michelemariotti8198
    @michelemariotti8198 10 місяців тому +2

    I cannot believe this guy got an offer. There must be something there I cannot see. Unprepared, clueless, asking for ludicrous amounts of money.

  • @craig9911
    @craig9911 11 місяців тому +5

    He needed his own platform to raise the money

  • @alexcalhoun1382
    @alexcalhoun1382 11 місяців тому +4

    Peter’s last line😂😂😂

  • @wzz2891
    @wzz2891 11 місяців тому +5

    How on earth did this guy get an offer. Programme is becoming a joke.

  • @mikemurphy4362
    @mikemurphy4362 11 місяців тому +4

    holy crap his website has so many spelling mistakes

  • @bartoszstarszobracki8675
    @bartoszstarszobracki8675 11 місяців тому +38

    Harry Potter is enterpreneur now?

    • @johansvensson833
      @johansvensson833 3 місяці тому

      to be fair he always was he really own the candy store

  • @lukeyd13
    @lukeyd13 10 місяців тому +2

    This is such an awful idea, 5% interest rate is a ludicrous fee for the platform

  • @MarceloVeronezzi
    @MarceloVeronezzi 5 місяців тому +1

    05:50 THIS... IS... SPARTAAAAAAA!!!!

  • @sandeshvantveen
    @sandeshvantveen 6 місяців тому +1

    5 perfect interest rate or “transaction fee” because they’re not even the ones lending the money is insane.

  • @TheManInBlueFlames
    @TheManInBlueFlames 10 місяців тому +2

    I suppose the value is in the database - data is normally exciting to a Dragon. Only problem is he didn't have the coder and the person who created the tech - who could have explained the interesting part!

  • @jvillebil13
    @jvillebil13 9 місяців тому +1

    When he gets stressed he looks off in space while talking instead of look at the sharks in the eye.

  • @MJ-YT-USR
    @MJ-YT-USR 8 місяців тому +1

    I've just visited their site. The problem I see is that it transforms a favour loan into an investment loan. And once you do that lenders will start to compare returns vs other options. One tax or another will also apply to lenders I suspect, if an interest rate is applied to the loan. I think the platform will work better for lending to people you don't personally know, but the interest rate applied to such a loan would have to beat that available in savings accounts. But in the end I don't think the platform solves the problem at all, which is people (particularly young people) having to borrow like never before.

  • @tothepast
    @tothepast 6 місяців тому +2

    What happens when you use all your intelligence stats to maxed out luck

  • @iranicus3393
    @iranicus3393 11 місяців тому +5

    Call the press, we found Wally o.o

  • @MayorSom
    @MayorSom 10 місяців тому +2

    He is an embodiment of our politicans

  • @nicolawson
    @nicolawson 10 місяців тому +2

    Never mind the pitch, this is literally one of the worst business concepts I’ve ever come across! You think Monopoly or RisiKo put a strain on relationships? Try having to write off a £1K from that deadbeat (insert family member here) because they are a complete waste of space!

  • @pehash
    @pehash 6 місяців тому +3

    Harry Potter be trying to scam people

  • @Ami-ec3tr
    @Ami-ec3tr 11 місяців тому +15

    Harry Potter's come a long way, so proud of him

  • @Cypher791
    @Cypher791 10 місяців тому +2

    I don’t get how this helps… you still have to approach your family and ask for money… and if they say yes you can tell them to make a justlend account… which is beneficial for the lender because it might include a contract and an automatic repayment scheme… but it doesn’t help the borrower… because not only can they be forced to repay this loan…. But now a middleman is charging a fee too… so when you ask your family for money… If you have any sense… you better not tell them about justlend…. 🤨💵

  • @richardkwaning933
    @richardkwaning933 11 місяців тому +1

    8:08 - The dragons got him sweating!!

  • @lotsaspaghetticodejr.6488
    @lotsaspaghetticodejr.6488 6 місяців тому

    This is actually a great idea. Like how many times do we hear that someone borrowed from mom and dad, or a brother or sister, or best friend and then suddenly they're in small claims court fighting to get it back because the borrower said it was a "gift"?
    I absolutely love this idea!!

  • @illyam_4
    @illyam_4 2 місяці тому

    1:07 she was like "here we go again"

  • @S66G
    @S66G 11 місяців тому +22

    This is such a grim idea lol

  • @albertwinston5730
    @albertwinston5730 10 місяців тому +3

    bro is like big head from the series silicon valley

  • @chrissilvester5663
    @chrissilvester5663 10 місяців тому +1

    What an embarrassing watch this was. That guy didn't have a clue whatsoever yet had a valuation of 5 million. Absolute bonkers

  • @randomchannel5686
    @randomchannel5686 11 місяців тому +2

    I’m really surprised he got offers

  • @techwiz81
    @techwiz81 8 місяців тому

    Love that the founder and CEO has no idea how the company actually operates, no idea of the financials, no idea about the damn URL. Definitely a model for success

  • @cuthwulf
    @cuthwulf 10 місяців тому +1

    What the heck? “I’ve got an idea…we make moms and dads use an app when lending kids money”. Stephen :”Here’s 100k.”

  • @shootingzen28fav
    @shootingzen28fav 5 місяців тому

    I'm thinking what if you ask for a loan and no one in your family lends you anything.?

  • @samuelbarnard675
    @samuelbarnard675 6 місяців тому

    That valuation is more than fair. Some companies are valued at hundreds of millions and never made a penny. Spotify has only just become profitable. I'm not sure if Uber actually is yet.

  • @goblin_corpse
    @goblin_corpse 3 місяці тому

    Just been on their website, it's nothing more than digital panhandling. People asking for money to visit family abroad or pay for their wedding. There's a few worthwhile things in there but due to there being a cost of living crisis (the point of the product) no one is going to give out unsecured loans to strangers.

  • @1jackal1
    @1jackal1 11 місяців тому +4

    This guy reminds me of elijiah wood in sim city.

  • @iomis2001
    @iomis2001 10 місяців тому +1

    Borrowing money with a high interest rate is a great idea.

  • @jackking9271
    @jackking9271 11 місяців тому +8

    What a mong, annoying how he got a deal out of that

    • @ramalama9650
      @ramalama9650 11 місяців тому +2

      I did notice dribble out of the side of his mouth at times. Filling quotas I suppose.

    • @ramalama9650
      @ramalama9650 11 місяців тому

      Mabumba says:
      Siyn me de up. me be on da wayz stayt a arrwayz!
      me have interherontanze to share from me kingz.
      90% you, 45% mee
      wee -neeego tee te ate- -knee go too ate- Erm we bargin deal?

    • @ٴۥٴٴٴ
      @ٴۥٴٴٴ 11 місяців тому

      hes a clueless twonk, insane that he got offers for this nonsense

  • @carlosgouveia
    @carlosgouveia 6 місяців тому

    The website don't even open

  • @hamza361
    @hamza361 11 місяців тому +34

    Half of every dragons den episode is the dragons crying about valuation

    • @paulct91
      @paulct91 11 місяців тому

      6:30 - Valuation

    • @allessandro2969
      @allessandro2969 11 місяців тому +3

      It’s a negotiating tactic, pretty common in any business deal.
      Elon: I wanna buy Twitter.
      Jack: That’ll be 64… Billion
      Elon : kswkjksw
      Jack: We can do a deal at 44.
      Elon: Dollars?!
      Jack: Billion.
      Elon: Where do I sign?!

    • @simplechronology2605
      @simplechronology2605 11 місяців тому +6

      And why not? If you are going to invest in *anything* , from the stock market to shark chum, valuation is your primary concern. Paying $5 million for a company worth $200K is not how the sharks became rich,

    • @3Mizormac
      @3Mizormac 11 місяців тому +7

      Lad did you watch the video he wanted £100,000 for 2% and didn’t even know his patent 😂😂

    • @David-lm2tl
      @David-lm2tl 11 місяців тому

      they want discount haha

  • @ThomasShears-o9c
    @ThomasShears-o9c 11 місяців тому +2

    I think these dragons are puffing the magic dragon.

  • @vishk123
    @vishk123 11 місяців тому +2

    Tomorrows lunchtime sorted!

  • @Sparks5261A
    @Sparks5261A 7 місяців тому

    A better idea would be to allow the parents/lenders to decide on the interest rate of the loan. They may not want to charge any interest and its more of a way that just commits the borrower

  • @JL-gf3yc
    @JL-gf3yc 11 місяців тому +2

    When are you going to start showing proper episodes from like season 7 below and slightly over when it was dragons den? Theres plenty that aren’t on here I’m talking before Touker and Jenny time

  • @walangbacarita
    @walangbacarita 10 місяців тому +1

    Program yang luar biasa.... Sangat terinspirasi. Salam dari Indonesia

  • @Seizhin
    @Seizhin 6 місяців тому

    The website is down

  • @goodcat1982
    @goodcat1982 10 місяців тому

    Tuca said tech stocks were crashing. They literally bottomed the week he said this and have only gone up to new highs since. Great time to have bought into tech stocks. How can you be so rich and so clueless about the stock market? You buy when it goes down and sell when it goes up.....

  • @LuiExcalibur
    @LuiExcalibur 6 місяців тому

    Insurance fees on loan companies could make him bankrupt more than marketing

  • @michaellynn9763
    @michaellynn9763 11 місяців тому +1

    Absolutely shambolic!

  • @mikemurphy4362
    @mikemurphy4362 11 місяців тому +1

    looks like he runs a crypto site now, not sure tbh theres a simular name and url that goes to a crypto lending site

  • @apad000
    @apad000 10 місяців тому

    What watch is Steven wearing?

  • @outdoorsy01
    @outdoorsy01 11 місяців тому +1

    How and why did he get the money. Wow. Dragons are slacking.

  • @mcnamaraky
    @mcnamaraky 11 місяців тому +3

    This guy wants to get in on loan sharking without putting up a dime lol. Take a cut off of a friend lending money to a friend (the entire point usually of borrowing money this way). Imagine if you went to a loan shark and also had to pay a 5% fee to the bus driver who brought you to the sketchy pizza place where Tony Soprano is sitting in the back asking you for 5% vig.
    Dude doesn't even know what his code does either.

  • @Sugar-w4w
    @Sugar-w4w 7 місяців тому

    Is the website a scam? SSL fails to load on half the pages and coding on front page isn't the greatest..

  • @naseeb.shalimar
    @naseeb.shalimar 10 днів тому

    Sometimes its not about how you pitch.. But make others think why you are not able to pitch helps..

  • @qbantz
    @qbantz 11 місяців тому +1

    Honestly thought he wouldn’t get an offer

  • @captainhindsight8779
    @captainhindsight8779 3 місяці тому +3

    People like him are the reason this country is a mess.