How does a kid from small town Louisiana become a startup founder and featured in Forbes and in Times Square NYC?  Dennis Cail, CEO & Founder of Zirtue, the peer lending app, shares his story from a small town, to the US Navy, to banking and then to launching the world first peer to peer lending platform that can automate the public backing process to the lender.  Dennis has become a friend of the X-Factor team and shares some of his tips around running a startup. He also shares very specific details on what he looks for in an investor, and tells founders what they can look for during the fundraising process.  This episode is one you want to share with your startup friends because Dennis is one of the few Black, and veteran founded Fintech startups to raise venture capital.  About Zirtue: Zirtue was created with the goal to revolutionize the way we lend; making it more simple, secure, and fair. Today, Zirtue has helped thousands of people lend and borrow with those they trust by giving them more control over their money and an easy way to do it. Zirtue is the world’s first relationship-based lending app with a mission to drive financial inclusion, one relationship at a time. https://www.zirtue.com About Underestimated Podcast: If you love startups, technology, venture capital and all things entrepreneurship, this this podcast is for you. Subscribe to our channel & leave us a review!  https://xfactor.capital