SSV Capital PLC CEO Ankur Ghosh talked with Proactive about the company’s early loan repayment, expansion in fintech and real estate, and upcoming plans for 2025. SSV Capital has made strides in solidifying its financial position, having repaid a £2.5 million convertible loan note ahead of schedule. Ghosh attributed the decision to strong investor trust and confidence in the company’s banking and fintech operations. “If our balance sheet is strong, why can’t we repay them early?” he stated, highlighting the company's proactive approach even in a challenging financial climate. Ghosh also discussed momentum behind SSV Smart Pay, noting positive reception from both merchants and customers and ambitious targets of scaling to 2 million transactions this year. The initiative incorporates loyalty and cashback schemes and is underpinned by open banking and upcoming embedded finance capabilities. In addition, SSV Capital is progressing in its Proptech development through its SSV Real Estate unit. Ghosh explained that the project has passed alpha and beta testing and is now on track to roll out in the coming months. Looking ahead, the company is focusing on institutional partnerships, establishing a presence as a general partner in Luxembourg, and pursuing FCA licenses as it builds out an equity desk focused on early-stage private equity and venture capital. Visit Proactive's YouTube channel for more insightful interviews and updates. Don't forget to give the video a like, subscribe to the channel, and enable notifications for future content. #SSVCapital #AnkurGhosh #SmartPay #Fintech #OpenBanking #EmbeddedFinance #RealEstateTech #Proptech #PrivateEquity #VentureCapital #FinancialServices #InstitutionalInvestment #InvestorUpdates #FCA #LuxembourgFunds