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CAP-006 — UK SMB Lending & Working Capital Financing Capsule lays out the full financing menu — overdraft, term loan, invoice finance, asset finance — and converts each one’s own cost language into a single comparable figure. Five video segments (~20 minutes), a four-sheet comparator, readiness diagnostic, knowledge check and one-page summary. Worked example: the option that felt cheapest at an 8% headline rate came out most expensive at 18.6% once properly priced. One-time purchase.
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What it builds
A standing financing cost hierarchy across every working capital option available to a UK SMB — converted to one true annual cost each, matched to the right use case, and reviewed quarterly so it’s ready before a cash gap forces a decision.
The problem it solves
Most operators compare two options at most: their overdraft, and whatever their invoicing platform offered last week. The real menu is bigger, and the four main mechanics — overdraft, term loan, invoice finance, asset finance — each quote cost in a genuinely different language: an APR, a rate-plus-fee, a discount-fee-plus-service-fee, a rate excluding balloon payments. Comparing headline figures across them isn’t comparing like with like, and it routinely leads operators toward the more expensive option while believing they’ve chosen the cheaper one.
The five segments
What’s included
Who it’s for
SMB founders, finance leads and operations leaders who’ve only ever compared their overdraft against one other option — or who want their financing comparison ready before a gap opens, not the week it does.
Format
One-time purchase. Instant access, yours to keep. No subscription.
FINTECH CAPSULES
Learn one important FinTech idea. Understand why it matters. Put it to work.
FinTech Capsules are focused, practical learning experiences built around the technologies, financial concepts, operating models and decisions that are changing how modern businesses work.
No 40-hour course. No academic detour. No technology hype. Just one important subject, explained clearly and connected to the decisions you actually have to make.
Choose your Capsule. Choose your format. Build your FinTech capability one high-value idea at a time.
THE PROBLEM
FinTech knowledge is becoming a competitive advantage — but most people don’t have time to become FinTech specialists.
Payments are changing. Banking is changing. Open Banking is changing how financial data moves. AI is changing financial operations. Embedded finance is changing customer journeys. Tokenisation is changing the infrastructure underneath markets.
Regulation is changing what businesses must do. And financial technology is increasingly becoming part of everyday business operations. The problem is not a lack of information. There is too much of it.
The challenge is knowing:
That is what a FinTech Capsule is designed to solve.
WHAT IS A FINTECH CAPSULE?
A FinTech Capsule is a concentrated learning product built around one important FinTech subject.
Each Capsule takes a specific concept, technology, market development or operational issue and turns it into something you can understand and use.
Think of it as:
One subject. One clear mental model. One practical application.
The objective is always the same:
Move from “I’ve heard of it” to “I understand what it means and what I can do with it.”
NOT ANOTHER ONLINE COURSE
Most learning products ask you to commit significant time before you know whether the subject will be useful.
Capsules work differently.
They are designed around specific problems, questions and capabilities.
You don’t need to enrol in a curriculum of dozens of modules.
You can start with the subject that matters to you now.
Then come back when another subject becomes relevant.
Build capability progressively — without having to stop running the business.
WHAT YOU GET
Every FinTech Capsule is designed to give you five things.
01 — CLARITY: Understand the subject without unnecessary jargon or technical complexity.
02 — CONTEXT: Understand where the subject sits within the wider financial and technology ecosystem.
03 — BUSINESS RELEVANCE: Understand why it matters to businesses, operators, finance teams, founders and decision-makers.
04 — PRACTICAL APPLICATION: Connect the concept to real decisions, workflows, opportunities, risks or operating situations.
05 — A BETTER QUESTION: The best learning does not simply give you an answer.
It changes the questions you ask.
A good Capsule should leave you thinking:
“Now I know what I need to investigate next.”
WHO ARE CAPSULES FOR?
FinTech Capsules are designed for people who need working knowledge, not an academic qualification.
FOUNDERS & BUSINESS OWNERS
Understand the financial technologies shaping your business before someone else makes the decisions for you.
SMB OPERATORS
Translate FinTech developments into better processes, better decisions and better operating performance.
FINANCE & OPERATIONS TEAMS
Build practical fluency in the technologies increasingly embedded in financial operations.
PRODUCT & TECHNOLOGY PROFESSIONALS
Understand the financial infrastructure behind products, platforms and customer experiences.
SALES & COMMERCIAL TEAMS
Understand the financial technology your customers, partners and prospects increasingly expect you to know.
PROFESSIONALS BUILDING THEIR NEXT CAREER
Develop FinTech literacy that can be applied across roles and industries.
WHAT CAN A CAPSULE COVER?
Capsules can cover subjects such as:
Payments
Real-time payments, payment orchestration, payment infrastructure, acquiring, reconciliation and payment operations.
Open Banking
Account information, payment initiation, APIs, data access and the changing relationship between banks and third parties.
AI & Financial Operations
AI-enabled finance, automation, intelligent workflows, forecasting and financial decision support.
Digital Identity
Identity infrastructure, verification, authentication and the role of trust in digital financial services.
Embedded Finance
How financial products become embedded inside non-financial customer journeys.
Tokenisation
What tokenisation actually means, where it is useful and how it could change financial infrastructure.
Stablecoins
The emerging role of regulated digital money and what it could mean for payments and financial operations.
FinTech Regulation
The regulations and regulatory developments businesses need to understand — without having to become lawyers.
Cash Flow & Working Capital
The technologies, systems and operating practices that influence the movement of cash through a business.
And much more.
CHOOSE HOW YOU LEARN
COURSE
Learn it. Work through it. Apply it.
Choose the Course format when you want a structured learning experience.
Courses are designed for buyers who want to:
Best for: people who want learning + application.
eBOOK
Read it. Reference it. Keep it.
Choose the eBook when you want the ideas, frameworks and practical guidance in a portable reference format.
The eBook is ideal if you:
Best for: people who want knowledge + reference.
WHICH FORMAT SHOULD I BUY?
Choose the COURSE if:
You want to learn the subject properly and apply it.
Choose the eBOOK if:
You want to read, reference and revisit the thinking.
Still unsure?
Choose the format that matches how you naturally learn.
The objective is not to make you consume more content.
The objective is to make you more capable.
HOW A CAPSULE WORKS
What do you need to understand?
Get the concept explained clearly and without unnecessary complexity.
See how the subject connects to technology, finance, regulation, operations and the wider market.
Explore the implications for businesses and professionals.
Use the frameworks, questions and practical guidance to examine your own situation.
Know what deserves further investigation — and what doesn’t.
WHY CAPSULES?
BECAUSE DEPTH DOES NOT ALWAYS REQUIRE LENGTH.
A focused subject can often transform the way you think about a problem.
You don’t need another information dump.
You need the right information, organised around the right question.
Capsules are deliberately narrow so that the learning can be deliberately useful.
THE YANKA GOLEMIN APPROACH
These products are not designed to turn you into a FinTech academic.
They are designed to help you think better about financial technology and its consequences.
The approach is:
Explain the technology.
Explain the economics.
Explain the operating implications.
Explain the strategic consequences.
Then ask what you should do about it.
That is the difference between knowing a term and possessing capability.
WHAT YOU SHOULD EXPECT
You should expect:
You should not expect:
The value is in the thinking, not the page count.
BUILD YOUR OWN FINTECH LIBRARY
You don’t have to buy everything.
Start with the subject that matters most to you.
Then add another.
Then another.
Over time, your Capsules become a personal FinTech knowledge library — a collection of focused capabilities you can draw upon when the business, market or your career demands them.
One Capsule gives you knowledge.
A collection of Capsules gives you fluency.
Fluency changes the quality of your decisions.
FOR TEAMS
A Capsule can also become a shared language inside a business.
Instead of five people having five different interpretations of:
“Open Banking.” “AI in finance.” “Payment orchestration.” “Embedded finance.” “Tokenisation.” “Digital identity.”
A team can start from the same conceptual foundation. That makes discussion faster. Questions become better. Implementation becomes easier. And the organisation becomes less dependent on a handful of specialists.
Ask about team and enterprise options.
YOUR NEXT FINTECH CAPABILITY STARTS HERE
You don’t need to understand everything happening in FinTech. You need to understand what matters to you. Choose one subject. Learn it. Apply it. Then move to the next.
Build your FinTech fluency one important idea at a time.
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Private counsel for SMB founders, finance leads, and operations leaders.
© 2026 Yanka Golemin
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