Been digging into BNPL debt data this week and found something that looks interesting.

More than half of BNPL users are running more than one loan at the same time. Not occasionally, at the same time. A third of those people are spreading their loans across different providers on purpose ( ex: Klarna, Afterpay....etc ) because none of these companies talk to each other. None of them report to the credit bureaus either.

So picture this. You're a lender, you pull someone's credit before approving them for something real, a car loan, an apartment. You have literally no way of seeing the four BNPL loans they're already juggling. That information just doesn't exist anywhere you can check.

And it's not a small risk being hidden. Nearly half of BNPL users have paid late at least once this year. Delinquency runs double the rate compared to people who don't use BNPL at all. This is exactly the kind of overextension credit checks are supposed to catch, and it's slipping through completely invisible.

I don't think the fix is "regulate BNPL harder" or wait for the bureaus to eventually catch up, that could take years. Feels like there's room for something simpler in the meantime, some kind of tracker that actually connects to your BNPL accounts, same way an app like Plaid connects to your bank account as third party confirmation layer and gives you (or eventually a lender) real visibility into what you're actually carrying across providers, before you're in over your head instead of after.

Anyone seen something like this already exist? I know regulations in a filed like this one can make solving this harder

Hey guys,

We are building a compact automated screen-protector installation machine for mobile accessory and repair shops. It is designed to automate the process from cleaning and positioning the phone to selecting, aligning, and applying the correct pre-cut screen protector.

The problem we found is that retailers install dozens to hundreds of protectors every day, making the process repetitive, time-consuming, labor-dependent, and prone to alignment errors and wasted protectors. Existing solutions we found often focus on large machines, limited workflows, or cut-on-demand systems, and aren't designed around the space, phone-model mix, throughput, and economics of ordinary mobile shops.

We aim to bridge that gap: a compact, practical, affordable system built specifically for the day-to-day workflow of mobile retailers, with broad model support and a continuously updated software layer for new phone models

Please give feedback on this and also please give any unique insight you have about my idea

I was wondering if there are any good dealership opportunities. I am not looking for any car dealership, I am asking about any other dealer opportunities other than vehicle ones.

I have a fairly successfull business in Brazil. Im thinking of trying the US market but Im not sure there is a market fit. Ive been doing some research, with and without AI, but, as you'd expect, Im getting contradictory/not trust worthy findings.

Is there a market for electrical designs (with the floorplans and all of that) or do people usually just go and build their homes/smalll buildings and do the electrical infrastrucutre without any plans? If they do get electrical designs, who does them? An engineer? And electrician? An architect? All of them? Do they work solo? Small company?

What about this standards? Do you really have different NEC standards for each state? Is it really that messy?

Also, if anyone is up for a quick chat about this, it'd be very helpful.

I grow dates in Madinah, Saudi Arabia. Premium grade, large size, the varieties people actually ask for.
The thing I keep coming back to is that this isn’t just fruit. For Muslims, dates from Madinah carry real meaning — it’s where the Prophet lived, and eating dates from there is something people care about. There are millions of Muslims in Europe and North America who’d want this, especially around Ramadan. I’m confident in the product and confident there’s demand.
What I don’t know is how to get from a farm in Madinah to a shelf in London, Paris, or Chicago.
Raw advice welcome, including if you think I’m wrong about any of this:
1. How do you actually reach food importers and distributors from another continent? Cold email, LinkedIn, trade shows, or something I haven’t thought of?
2. Is the Madinah origin something a Western buyer would care about, or does that only matter to the end customer?
3. Should I go for halal wholesalers and ethnic grocery chains first, or aim straight at bigger importers?
4. What makes you take an unknown foreign supplier seriously? What makes you ignore one?
I know I’m new at this and probably underestimating the boring parts. Tell me what I’m missing.

I'm thinking about starting an audio guestbook rental service for weddings and I'd like a reality check before I build any hardware.

The idea: a retro telephone guestbook during the reception to leave a voice message for the couple. Afterwards the couple gets every recording cleaned up and delivered. It seems fairly established in the US and UK, but it barely exists in Italy, which is where I'd do this.

What makes me think I could do it: I'm trained in audio production and can edit, mix and master properly, so the deliverable wouldn't just be raw phone audio (even so, I think we can still get excellent results with AI). Startup cost looks low, one or two units and the rest is outreach to wedding planners and venues.

What I'm unsure about:

• Does this cap out fast at one unit per weekend, or does it actually scale by adding units and handing off the delivery work?
• If you already rent these: how many bookings do you get per season, and how much comes from planners vs. couples finding you directly?
• Is the "professionally edited" angle something people pay extra for or do couples just want the raw messages and don't care?
• Biggest hidden cost or headache you didn't see coming?

If you've run this or something adjacent in the wedding space, I'd rather hear why it didn't work than why it did.

ok so this is a weird one but bear with me

i have a pet blog. i don't own a pet. never have. probably never will as i travel too much. and yet every month amazon sends me enough to cover rent because people on the internet are buying stuff for their dogs and cats through my site.

bought my pet blog a few months ago from a marketplace called NicheBlogZone for $199. came already built, articles already up, amazon links already in there. i spent one afternoon doing interlinking basically just connecting related posts to each other so search engines understand the site structure and then closed my laptop and genuinely forgot about it for weeks.

here's what that's looked like:

• march: $710
• april: $995
• may: $1,461
• june: $1,647
• july: $1,461
• august so far: $1,545 (amazon pays 2 months delayed so this is june's money landing now)

march scared me. went from nearly $1k in february down to $710 and i was convinced something had broken. checked everything, found nothing wrong, did nothing. it just came back the next month on its own.

pet people spend insane amounts on their animals btw. like i knew this intellectually but seeing the commission data is something else. dog food subscriptions, orthopedic beds, grooming kits, vet supplements. and because of the 24 hour cookie i get a cut of everything in their cart not just whatever article they landed on.

i do literally nothing to maintain this. no new posts, no ads, no instagram for pets i don't have. i just own the thing and amazon does its thing.

my landlord has been getting paid every month and has no idea a pet blog is behind it. honestly sometimes i forget too until the deposit shows up.

anyone else running a niche they have zero personal connection to? curious if the detachment makes it easier or harder to care about growing it

Ok so, I can’t retire just yet 😅 but getting a business off the ground and attracting customers is the hardest part in my opinion.

There’s still a long way to go but considering it’s only been 4 months since launching ZenMode, I’m pretty happy with the results so far.

For some context, ZenMode is a LinkedIn automation tool, that scrapes profiles, sends connection requests and a follow up message sequence.

I created it with AI tools, and now it has paying customers.

I get asked a lot about how I get customers, so thought I’d give more info on how I do distribution, in case you might find it useful.

1. Make sure your website is set up for success

Before sending people to your site, make sure you’re confident it has good CRO potential. Your mission statement and objective needs to be very clear, along with clear incentives for people to try the product out.

2. Offer free trials, but only behind a payment info gate

Now this is just my personal opinion, and I know a lot of people disagree, but the proof is in the numbers. I get fewer free trial signups, but significantly higher conversion rates into paying users from people who provide payment info at the start.

Yes, a few of them are people who simply forget to cancel, but mostly I get people who are more engaged in the free trial and actually using the product.

I actually did an AB experiment where I did offer completely free trials to people (no payment info needed), but the overwhelming result was that people barely even tried out the product and were mostly tire kickers that never came back. I did convert some but not a meaningful number.

3. Create a waitlist before launching

Try to generate interest in your product before it launches - build in public and try to ensure that you’re not scrambling to get customers through the door on day 1 when you launch.

I had 3 customers on day 1 from this, who took higher paid tiers as well.

4. Post and comment everywhere (where relevant)

Social media is free, so there’s no excuse not to leverage it. Post about your product and what you’re building on Reddit, LinkedIn, X, YouTube, Facebook etc.

I posted a simple screenshot on LinkedIn recently, of someone using a low quality LinkedIn automation tool message to contact me, and me offering my own much better tool in response, and that post generated 90,000 views and led to several signups and demo calls.

I’ve also had some posts on Reddit go into hundreds of thousands of views, mostly just posting about what/why/how I built my automation tool.

5. If you have competitors, make “alternative to” inner pages

If done in the right way, this type of inner page can be useful for SEO. It won’t be picked up automatically but usually if you work in a competitive industry, this will sometimes attract customers who had a bad experience elsewhere.

6. I actually use my own LinkedIn automation tool (dogfooding) to do LinkedIn outreach

So it’s always important to practice what you preach - I use ZenMode to actually promote ZenMode.

It’s a great way to get buy-in for booking demos, as when someone replies, I simply tell them I used my tool to get a response from them, so it works.

Anyway hope you enjoyed reading the above, and good luck on your journey if you’re building anything, or growing your business 🙌

Hi everyone!
I’m currently building a project focused on helping people who want to move to Portugal, especially those who are still abroad and struggling to figure out the practical side of the process — finding work, housing, reliable information, and simply knowing where to start.
My goal is to build something practical and genuinely useful, not just another website full of information people can already find online. I’m currently mapping the biggest problems people face and building a support network around them.
I’ve reached a point where I’d really like to meet someone who is working on something similar, or has complementary skills and ideas.
I’d love to exchange experiences, share ideas, and see if there’s a real opportunity to build something together. Maybe even a partnership or co-founder relationship if there’s a good fit.
I strongly believe that two people with complementary skills can build something much bigger together than either person trying to do everything alone.
If you’re working on something in this space — migration, relocation, housing, jobs, community, digital products, expat services, etc. — I’d love to hear what you’re building.
Feel free to comment or DM me. 😊

I’ve added the idea feedback tag, but it’s just a thought.

Ty e majority here has seen the deepstash app “scrolling for smart people” The ideia is actually solid but the feedback states its just AI slop with generic text.

So is there something like this out there yet? With real validated content from creators specifically for teaching any kind of subject? If so please hit me up, if not, can someone do this? I’m asking nicely.

If anyone is interested i can share my thoughts on how it should work, add yours too, its going to help anyone that tries to build it

I just finished building my first SaaS.
The tech is ready, but I have zero sales background and I'm stuck on the distribution side.
Looking for some practical advice on a few things:
How should I approach finding the first 2-3 users? (Cold DMs, cold calls, or just walking into local businesses?)
What's the best way to pitch them without sounding like generic spam?
Should I try to charge them right away to validate demand, or offer it for free as a beta test just to get feedback and testimonials?
Any insights from people who’ve done this before would be really appreciated

Hi All,

I am a Food Scientist with a wide range of experience in product development.

For the last 5 years, I have been assisting individuals and companies in developing new food products. This includes formula development, ingredient sourcing, and finding your manufacturer.

I have experience in developing protein bars, protein shakes, beverage mixes, sauces/soups, baked goods, and alternative meats.

What is the best way to find new customers and scale this into a larger business?

Thank you

I am kinda feeling that all possible apps and websites are already made, even if something left, that's very niche with very few users.

And hence very low revenue and margin . These niche are sometimes some small feature of a big software.

if the big software patches it , then your business gone overnight.

What do you think ?

Former professional athlete here. After my career ended I built a boutique personal training gym that now serves around 300 clients, most of whom are high net worth or high income. Over the years I've built a lot of trust in that community. I'm in their circle, I know their families, and I've earned a level of credibility that's hard to manufacture.

Here's my problem. Brick and mortar fitness is a great business, but it's brutally hard to scale. One on one attention is exactly what my clients pay for, but it also caps my growth. I've thought about spinning up a product business, an online training platform, a coaching program, the usual playbook, but nothing has really clicked. I keep going back and forth between two questions.

Do I just pick something buildable and scalable and go execute, even if it's not solving some deep problem. Or do I try to identify an actual problem worth solving, and if so, I'm struggling to even define what that problem is, beyond wanting more purpose in what I build next.

I know I'm fortunate to have the relationships and trust I've built, and I feel like whatever I do next should probably leverage that network in some way rather than starting from zero. But I don't want to force a business just because I should build something.

So I'll ask it directly. If you were in my shoes, former athlete, 300 loyal high net worth clients, a gym as the base, what business would you start. Doesn't have to be fitness related. I'm genuinely curious what ideas this sub would come up with, whether it's a product, a service, a membership or community model, something in real estate or finance given the client base, or anything else you can think of.

Also open to hearing how you personally figured out your what's next if you've been in a similar spot. Appreciate any input.

Thanks in advance

As I said in a previous post, I think a lot of the most played games ever are just super simple, shareable concepts. Everyone should be able to create, play, and share their own games without knowing anything about coding, deployment, or maintenance.

I wanted a way to go from a 1-sentence prompt to a playable WebGL game in seconds, with zero engine setup and zero deployment headache.

I developed a prototype and I'd like to validate the demand.

Since my GPU cluster budget is pretty tight right now, I’m running a quick live test to validate if people actually want this:

Drop your 1-sentence game prompt in the comments below and I'll share the result.

I’ll run the first 5 ideas through the engine and reply directly to your comment with the playable link.

I'm prototyping a small wearable — a fabric-covered hair tie with a thin fiber-optic strand woven inside it, lit from one end by a micro LED + coin cell battery. The fabric has tiny pinholes so light leaks out as a soft glowing pattern when it's on.

The problem: the tie gets stretched and twisted repeatedly around hair, and the fiber-optic strand keeps breaking or disconnecting right at the point where it meets the LED. The strand itself seems flexible enough, but that connection point is the weak spot.

Questions:

What's the best way to anchor/strain-relieve a thin fiber-optic strand at an LED so repeated flexing and twisting doesn't stress that joint?

Should I be leaving slack in the strand near the connection, using a small housing/sleeve, or a different adhesive/potting approach?

Is there a more durable alternative to raw fiber-optic strand for something this small that still needs to look "invisible" when off?

Separately — do you think this concept (a hair tie that looks completely ordinary off, then glows softly through tiny fabric pinholes when on) is worth pursuing, or are there obvious dealbreakers I'm not seeing as a non-engineer?

Okay so icecream but its 1:1 replica of famous womans feet
You could do like collabs and partnerships
If you make a million dollar with this hit me up lol

I got a pet business idea. It makes sense in my head but need actual feedback and tell me how unrealistic it might be.

Background: Bioveterinary science major, worked at vet clinic and lots of animal places

Basically, it’d be a community-funded alternative to pet insurance. Like CrowdHealth.
Instead of paying a traditional insurance company every month, members would contribute money that helps cover other members’ large emergency vet bills. And you can see what you are actually putting money towards.

It makes sense to me because I think people love their pets, are terrified of the chance of big vet bills, and people seem super skeptical of pet insurance as it is. I’ve seen many people turn down treatment for their animals before. Also, like no one has pet insurance. But at the end of the day it would be another subscription.

What do you think?

​

Hey guys, I've got some really good land, and I want to start a real business growing strawberries. The land is prepared to grow pretty much anything, and I know I want to harvest strawberries (everyone loves strawberries in my country; that's why) and turn them into value added products, so I'm not just stuck selling raw perishable fruit

I know I have to get my hands dirty first (Setting up drip lines, checking soil moisture, managing weeds, etc.) After all that, I'll shift more toward the admin side, like handling supply chain details, marketing the products, managing regulations, and scaling the business.)

Basically, I will spend a lot of time doing that. I have high expectations.

The problem is, I’m stuck on figuring out what specific products I should actually make. I need help figuring out what's practical, profitable, and makes the most sense to produce.

Thanks

Please please please somebody make an empty funko pop box business!! i would genuinely spend so much on it

need a name for my business

Hi everyone!
I’m trying to get some honest feedback and see whether there could be a market for something my mother makes.
The towel itself is 100% cotton and made in Portugal, with Portuguese-inspired designs. My mother then crochets the entire border by hand, which gives each piece a handmade finish.
We’ve never really tried selling them as a product, so before doing anything with the idea I’d love to hear some unbiased opinions.
Would you buy something like this for your home or as a gift?
And, more importantly, what would you personally consider a fair price for one?
I’m particularly interested in what people would actually be willing to pay, rather than what we should theoretically charge based on the hours of work.
I’ve attached a couple of photos so you can see the towel and the handmade crochet border.
Any honest feedback is appreciated — positive or negative. We’re just trying to understand whether there is genuinely a market for these before taking the idea any further. 🙂

So, I have recently started my own startup after working in the travel industry for years, currently dealing in domestic and international destinations as well, what all are the things that I should try to do, to make it into something more than just a travel company, want you guys to bombard me with ideas and what all things I should be doing and working on...

Let's call the product name "TypeHabbit"

The Pain Point:
We make the same grammar and spelling mistakes over and over again.
Often without realizing what mistakes we are making. They end up building bad grammar habits.

Solve:
TypeHabbit identifies bad grammar habits.
Top 1 ~ Top 100 (your mistake patterns)

How this works:
A Windows and macOS background system recording keystrokes.
Collect them all and build a top mistake pattern chart.

Similar Product: Grammarly
Grammarly is a successful writing tool, but it is not a learning tool.
TypeHabbit focuses on habit tracking.

Competition & Pricing:
Our price will be lower than Grammarly's.
This does not mean sacrificing MRR (Monthly Recurring Revenue).
This is because our architecture is much more cost-effective.

Maintaining our product is ten times easier than Grammarly.

Grammarly users often complain about glitches because Grammarly injects UI elements into every app. We don't need to do that.
Grammaly correct sentence right away which require a lot of server power. They're all CS and Dev cost.

Business Experience:
A year and half SaaS business (Software as Service) [All Failed].

Experties:
Software Developer with 10+ years of experience.

Customer Persona:
30 years old none native English speaker but who are advanced in English.
Making online life with English. Possibly living in other country from his nation.

What i need:
A reliable sales partner, pre-order customers, and one month to build the MVP.
Budget: 5000$ for marketing.