In September 2020, Ronan Horgan, the chief executive Irish alternative lender Capitalflow, began to reflect on what was next for his business. The pandemic had shuttered vast tranches of the economy, and the outlook was uncertain. However, Horgan was satisfied that Capitflow’s book had proven itself to be “very, very resilient”, something he confirmed to The Currency in a podcast earlier this year. So, along with Pollen Street Capital, the London-based alternative investment manager that had backed his vision to create a non-bank lender, Horgan started to think about what was next. Capitalflow had built up a decent-sized business since…

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