JustPaid.io- The Future of Business Finance

Jerry Jiang of Unrepped on using AI agents for internal workflows: where agents help teams today, and what still needs a human in the loop.

From the loopfour podcast.

Watch: https://www.youtube.com/watch?v=r7pt810t7KQ

Continuation of Daniel Kivatinos on building startups: resilience, product timing, and operator lessons. Part 2 of 2.

From the loopfour podcast.

Watch: https://www.youtube.com/watch?v=GUvCDjhwcgA

Daniel Kivatinos on building startups: failure, autonomy, timing, and lessons from DrChrono through loopfour. Part 1 of 2.

From the loopfour podcast.

Watch: https://www.youtube.com/watch?v=HfroRUWjYTg

Y Combinator's Amy Buechler on emotional intelligence for founders: relationship debt, feedback without defensiveness, and why EQ often beats raw technical skill.

From the loopfour podcast.

Watch: https://www.youtube.com/watch?v=P0oaym_iNHg

Christina Ross, founder and CEO of Cube, on going from CFO to founder, building FP&A software, and raising $45M. Finance leadership meets startup building.

From the loopfour podcast.

Watch: https://www.youtube.com/watch?v=SWIRp7NQ9vA

Sai Arora of Mercoa (YC W23) on fintech, embedded B2B payments, and building in accounts payable. How to ship financial financial infrastructure startups actually use. From the loopfour podcast. Watch: https://www.youtube.com/watch?v=7iq0s22VReU

CPA Stephen Estes on startup accounting, financial hygiene, and what founders get wrong early. A practical conversation on building clean finance foundations as you grow.

From the loopfour podcast.

Watch: https://www.youtube.com/watch?v=7gOWKPVCn14

Kevin Ramani on sales and go-to-market: building teams that scale, lessons from generating hundreds of millions in ARR, and practical GTM advice for founders.

From the loopfour podcast.

Watch: https://www.youtube.com/watch?v=NyGbVHV9J5M

April Chang (founder of 10x10, ex-PayPal, YC founder) on how AI is reshaping hiring: what breaks in startup recruiting, how to evaluate talent faster, and what founders should change now.

From the loopfour podcast.

Watch: https://www.youtube.com/watch?v=X6-02IUrfMg

In this episode of the loopfour podcast, Daniel and Dan sit down with Eric Ries, author of The Lean Startup and Incorruptible, to discuss why mission-driven companies often lose their soul as they grow. Eric explains the hidden force he calls financial gravity, why shareholder primacy can push companies toward short-term extraction, and how founders can protect their mission through better governance. The conversation covers Twilio, Costco, FedMart, Novo Nordisk, Anthropic, public benefit corporations, perpetual purpose trusts, and the legal structures founders can use to build companies that endure. YouTube Timestamps 00:00 — Financial gravity and why governance matters 00:32 — Why Eric Ries...

Interview with Krishang Todi, CEO of Aegis(YC X25) In this episode, we sat down with Krishang, a founder Daniel met through Y Combinator, to talk about what it actually looks like to build a startup in the trenches. We got into his journey from Kolkata to Carnegie Mellon to Silicon Valley, why he chose entrepreneurship over a more traditional path, and how a real healthcare pain point led his team to build a company focused on insurance claim denials. What stood out to me is how much conviction and intuition matter. A lot of great founders do not...

What does it really take to build a strong finance function from day one? In this episode of the loopfour podcast, Daniel sits down with Kim Walch, Founder of Rio Finance LLC, to talk about startup finance, accounting, fundraising readiness, cash flow forecasting, and the mistakes founders make when they ignore their numbers too long. Kim shares her journey from public accounting and startup finance leadership to building her own boutique finance and accounting firm. She also breaks down when founders should hire an accountant, the difference between accounting and fractional CFO work, how startups should think about burn...

What does it really take to survive 8 years as a physical product startup?

In this episode, we sit down with Justin, co-founder of MODL and creator of the Infinity Tool — a modular, flexible attachment system often described as "Legos for life." From launching a modular water bottle on Kickstarter to making a full pivot that changed the company's trajectory, Justin shares the raw realities of building in atoms, not bits. We dive deep into:

• Why most startups don't fail — founders quit

• The emotional moment where they almost shut everything down • Pivoting from a complex pr...

In this episode of the loopfour podcast, we sit down with Valentin Recker, operator, turnaround expert, and longtime finance leader, to unpack why startups don't actually fail suddenly — and what really causes them to run out of money. This is a must-watch for founders, operators, and finance leaders navigating growth, AI costs, hiring decisions, and financial clarity without losing momentum.

Fundraising is painful — and it doesn't mean you're successful.

In this candid, long-form conversation, a 2× Y Combinator founder with nearly 20 years of startup experience breaks down the real truth about building companies, raising money, and surviving long enough to win.

From the early, intimate days of Y Combinator with Paul Graham and Jessica Livingston to today's $500K checks and massive batches, this episode covers how accelerators evolved, why users and revenue matter more than capital, and how founders should think about risk, partnerships, investors, and long-term survival.

You'll learn:

Why funding ≠ succe...

Most startups don't fail because they can't sell. They fail because they don't bill, track, and collect properly.

In this episode, a veteran CFO breaks down what founders miss early on—from misunderstood revenue metrics to messy spreadsheets and delayed collections.

We're excited to share a new conversation featuring Prasanna Sankar (Co-founder, Rippling & Founder, 0xPeople) in discussion with Daniel Kivatinos (Co-founder & CEO, loopfour).

Together, they explore how the next generation of startups will be built—and why the future may not look like the traditional Silicon Valley playbook.

In this video, they dive into:

• How DAOs could become the new default organizational model 

• Why crypto enables user-owned, programmable ecosystems

• Lessons from building and scaling startups from 0 → 1 and 1 → 100 

• The intersection of AI, on-chain data, and new product opportunities

• What's actua...

Meet the Hosts of the loopfour YouTube Channel

Our YouTube channel was created by a passionate team dedicated to making a positive impact on the world, led by: 🧑🏻‍💻 Daniel Kivatinos – Co-founder & CEO of loopfour, serial entrepreneur, and builder. Daniel previously co-founded DrChrono, a startup that transformed how medical practices operate and was acquired after scaling to thousands of providers.

He has spent years navigating the startup world, raising capital, scaling teams, and building technologies that matter.

Daniel shares insights on AI, fintech, startups, and emerging technologies—helping businesses and founders navigate the rapidly evolving landsc

In this episode of the "loopfour podcast," Daniel Kivatinos sits down with product development expert Nick McEvily to explore the nuances of product development and market fit. They discuss turning product ideas into solutions customers need, navigating development, and building a company that scales.

loopfour is an AI-powered billing automation platform streamlining accounts receivable and payable processes. It offers automated invoice generation, real-time data analytics, and customizable billing rules, all designed to improve cash flow and efficiency. The platform integrates with existing systems and includes features like AI-driven collections and a user-friendly dashboard. loopfour caters to various businesses, from entrepreneurs to financial experts, promising simplified revenue management and reduced operational costs. Positive client testimonials highlight improved financial control and significant cost savings.

We interview some amazing guests at the loopfour podcast, in this episode, we sit down with Yurii Rebryk from Fluently, an accomplished entrepreneur and co-founder who shares his journey through the challenges and successes of securing funding from Y Combinator. Yurii discusses his experiences applying to YC multiple times, emphasizing the importance of persistence, adaptability, and building a strong founding team. He offers valuable insights into the application process, the critical role of market research, and how to effectively position a startup for success. This episode is packed with practical advice for aspiring entrepreneurs navigating the competitive world of...

In this episode we interview Taylor Lowe. Taylor Lowe is the co-founder and CEO of Metal, an AI company focused on accelerating deal flow and providing portfolio intelligence for private equity and venture capital firms. Metal is a venture-backed startup that was part of Y Combinator's Winter 2023 batch (YC W23). Lowe and his team recently unveiled a new AI assistant specifically designed for financial services and private equity funds. This development demonstrates Metal's commitment to applying artificial intelligence to improve processes and decision-making in the investment industry. Prior to founding Metal, Taylor Lowe had experience in managing teams and...

Join us for an insightful podcast episode featuring Christina Ross, the CEO and founder of Cube. With a background as a former CFO and finance leader, Christina's journey from CFO to CEO showcases her entrepreneurial spirit and dedication to innovation in the financial planning and analysis sector. Discover how Cube, a cutting-edge FP&A software, is revolutionizing financial operations under Christina's leadership. Tune in to gain valuable insights from Christina Ross, a visionary in the tech industry, as she shares her experiences and strategies that have propelled Cube to the forefront of modern finance solutions. Don't miss this opportunity...

Michael Guerin was the CEO and Founder of ClearPort, a cross-border trade credit startup for mid-market firms from 2017 to 2020. He has a background in banking partnerships and has also worked at companies like Kabbage, Citibank, and the International Trade Administration (ITA), US Department of Commerce. Michael Guerin's experience spans across various sectors, showcasing his expertise in trade credit and financial services[1][2][3][4].

Citations: [1] https://theorg.com/org/aazzur/org-cha... [2] https://theorg.com/org/sprinque/org-c... [3] https://wellfound.com/company/clearport [4]

Sunil Kumar is an experienced professional who serves as the Chief Operating Officer (COO) at Karbon Cards, a Y Combinator-backed company that provides corporate credit cards, vendor payment solutions, and foreign exchange outward remittance services to Indian businesses[2][4]. Before joining Karbon Cards, Sunil gained expertise through his work at various organizations such as Ninjacart, where he contributed to strategic expansions involving commerce and fintech[1]. His background includes a strong focus on technology and finance, having spent over 10 years in both fields while living in the United States prior to returning to India[4]. Additionally, Sunil has demonstrated leadership skills within...

Max Cho is the founder and CEO of Coverage Cat, a company focused on providing the best insurance deals to individuals[2][5]. He has a background in quant hedge funds, having worked at Two Sigma, and has also held product management positions at Google, Microsoft, and Yale University[4][5]. Cho has a Master of Science in Computer Science from the University of Washington and a Bachelor of Arts in Cognitive Science from Yale University[5]. He is also an alumnus of Y Combinator's S22 batch[5]. Citations: [1]   / maxrcho   [2] https://www.coveragecat.com/team/max-cho [3]   

Meet Sai Arora, founder of Mercoa, a startup in the Y Combinator Winter 2023 batch. It is an embedded B2B payments platform that lets any B2B fintech add BillPay and Accounts Payable to their product. Mercoa offers an Accounts Payable API for B2B fintechs to offer their customers one place to manage and pay all of their invoices. Companies use Mercoa to offer their users one place to manage and pay invoices. Mercoa provides a drop-in iframe or API to offer users a seamless experience.

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A loopfour podcast with hosts A...