Today, Carlos comments on the future of distribution in lending, how long it will take to get there, the key blockers along the way, and what CMOs can do now to prepare. This Pod covers his commentary from the most recent Newsletter: https://www.thefreetoaster.com/p/the-future-of-distribution-in-lending

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Are you an affiliate marketing leader at a consumer lender or publisher!? If so, we have an event for you!

The Affiliate Marketing Summit For Lenders & Publishers

Sponsored by Experian, Engine by Gen, Prism Data, Tare.io, EXL, and ICS San Francisco - September 23rd & 24th

The Exploratorium

150-person, curated room

88 seats are now spoken for. 62 seats left!

Learn more and request an invitation:

events.thefreetoaster.com

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Sign Up For Our Newsletter

The Free Toaster Newsletter ships every Wednesday at www.thefreetoaster.com, curating the biggest stories at the intersection of consumer lending, marketing, and technology.

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Please Support Our Sponsors!

Spinwheel:

Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo!

https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=july

Fintel Connect

Drive thousands of new accounts and billions in deposits with the only partner marketing solution built for fintech and banking – your all-in-one affiliate platform, partner network, agency, and marketing compliance engine.

https://partner.fintelconnect.com/get-to-know-fintel-connect?utm_campaign=13897733-2025%20Partners&utm_source=The%20Free%20Toaster&utm_medium=podcast

Bulldog Media Group: Bulldog Media Group is a leading performance marketing company that specializes in online customer acquisition for clients in the financial services industry. Since 2000, they have focused on financial services digital marketing as their core niche. https://www.bulldogmediagroup.com/

New Market Growth (Carlos’ agency) NMG focuses on building affiliate marketing programs for consumer lenders. www.newmarketgrowth.com

Capital One recently shared their Q2 earnings.

Their marketing spend was $1.7B, up 23% year over year. Today, we dive into how Capital One used that budget and the implications for marketers in lending.

Carlos & Nick expand on the coverage in this week's Newsletter Edition.

https://www.thefreetoaster.com/p/5-things-marketers-should-draw-from

*****

Are you a leader at a consumer lender or publisher!? If so, we have an event for you!

The Affiliate Marketing Summit For Lenders & Publishers

Sponsored by Experian, Engine by Gen, Prism Data, Tare.io, and EXL San Francisco - September 23rd & 24th

The Exploratorium

150-person, curated room

Early bird tickets ($999) end August 1, increasing to $1499 August 2nd Learn more: events.thefreetoaster.com

*****

Sign Up For Our Newsletter

The Free Toaster Newsletter ships every Wednesday at www.thefreetoaster.com, curating the biggest stories at the intersection of consumer lending, marketing, and technology.

******

Please Support Our Sponsors!

Fintel Connect

Drive thousands of new accounts and billions in deposits with the only partner marketing solution built for fintech and banking – your all-in-one affiliate platform, partner network, agency, and marketing compliance engine.

https://partner.fintelconnect.com/get-to-know-fintel-connect?utm_campaign=13897733-2025%20Partners&utm_source=The%20Free%20Toaster&utm_medium=podcast

Bulldog Media Group: Bulldog Media Group is a leading performance marketing company that specializes in online customer acquisition for clients in the financial services industry. Since 2000, they have focused on financial services digital marketing as their core niche. https://www.bulldogmediagroup.com/

Spinwheel:

Reduce friction in your lending application with just two fields—phone number and birthdate. Spinwheel’s APIs boost application rates by 20-30% while also providing real-time credit data and seamless payment processing. Want to see it in action? Connect with their Head of Growth for a demo!

https://spinwheel.io/partner/?utm_source=freetoaster&utm_medium=podcast&utm_campaign=july

New Market Growth (Carlos’ agency) NMG focuses on building affiliate marketing programs for consumer lenders. www.newmarketgrowth.com

Recently, Carlos sat on the LendAPI Podcast with Tim Li to discuss the Summit he's organizing on September 23rd in San Francisco.

*****

The Affiliate Marketing Summit For Lenders & Publishers

Sponsored by Experian, Engine by Gen, Prism Data, Tare.io, and EXL

San Francisco - September 23rd & 24th

The Exploratorium

150-person, curated room

Early bird tickets ($999) end August 1 Learn more: events.thefreetoaster.com