Ronan Horgan is preparing to spend a week walking 162 kilometres of the Camino, the famous pilgrimage route in northwestern Spain. He is raising money with some friends for Aoife’s Clown Doctors, a charity founded to help seriously ill children around Ireland. Horgan, the chief executive of alternative lender Capitalflow, is fit and feels ready for six days of hiking 27 kilometres a day.  It is tempting to draw a comparison between the endurance required to walk the Camino and the challenges of achieving approval from the Central Bank to be a retail credit firm, but Horgan is not biting.…

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