Kapital is a technology-first bank that builds financial infrastructure and products natively in-house for SMBs, integrating AML/KYC, machine learning, and AI-driven risk systems. The company offers loans, payments, and operational support while acquiring and modernizing traditional financial institutions by replacing legacy infrastructure with its own technology. Kapital reports higher profit margins, longer customer relationships and lower loss ratios compared with fintechs that lack a banking licence or proprietary software. The business is profitable and has doubled its valuation to $1.3 billion in under two years. Kapital’s balance sheet has expanded to $3 billion and it serves more than 300,000 businesses across the United States, Mexico and Colombia. The new funding will be used to scale its AI-powered financial ecosystem and support further expansion across Latin America. Kapital provides small and medium-sized businesses in Latin America with banking and technology products that surface real-time financial visibility and cash-flow management using data and artificial intelligence. The platform also applies AI to underwrite small business loans and enable embedded finance and payments integration. The company intends to deploy new funding into R&D and technology development, bolster its cross-border offering, grow its product suite, and accelerate predictive analytics to help customers improve margins. Kapital has operations across Mexico, Colombia and Peru and acquired Banco Autofin Mexico S.A. in September to expand its customer base. The company reported growth to 80,000 small-business customers (plus Banco Autofin’s 65,000 customers), is profitable, and grew revenue 6x in the past year. leadership says the combination of a bank and platform lets Kapital create embedded finance options and move money faster across the region. Kapital is a Mexican fintech founded in 2020 by Rene Saul and Fernando Sandoval that builds a financial operations platform for small and medium-sized businesses across Latin America. Its product combines an enterprise-style reporting dashboard with financial services: customers can get corporate credit cards, pay bills in advance, view cash flow, and manage business spending. The company developed an algorithm to forecast future revenue and to trigger lending at the precise moment a customer needs credit. Kapital launched Kapital Flex to defer supplier and invoice payments, expanded into Colombia, and recently automated its platform so actions like contract execution automatically generate invoices. It is working with over 11,000 businesses, is planning further AI-driven products, and the CEO said he expected the company to be profitable by this summer. New capital is intended to fund product development and additional expansion in Colombia.

Total raised

$330M

Funding rounds

5

Latest round

Series C

Latest activity

Sep 2025