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§ Private Profile · Santiago, Region Metropolitana, Chile
Financial technology automating management and access to liquidity.
Xepelin is a Latin American fintech providing a comprehensive financial services platform for businesses. It offers integrated financing and liquidity management solutions, streamlining operational finances and simplifying access to working capital. The platform leverages technology for smart financing and efficient tools, serving as a B2B digital banking partner.
Sebastian Kreis and Nicolas De Camino co-founded Xepelin in 2019. They observed a critical market gap among Latin American small and medium-sized enterprises, noting the need for robust financial management and accessible financing. This insight drove them to establish a digital ecosystem, empowering businesses to manage capital effectively.
Xepelin primarily serves businesses and SMEs across Latin America, providing digital tools to improve financial health. The company's long-term vision is to become the region's leading B2B digital bank, continually developing solutions that make financial processes efficient and transparent. It aims to foster economic growth by simplifying access to essential financial services.
Xepelin has raised $396.5M across 7 funding rounds.
Xepelin has raised $396.5M in total across 7 funding rounds.
Xepelin is a Chilean fintech company founded in 2019 that provides a SaaS platform acting as a "digital CFO" for small and medium-sized enterprises (SMEs) across Latin America, primarily in Chile and Mexico.[1][2][3] The platform offers real-time financial information, automated supplier payments, invoice financing, short-term working capital loans (often disbursed in hours), and advanced tools like fraud detection and financial analytics, serving over 50,000 companies and financing nearly US$600 million while managing 112,000+ invoices as of 2024.[1][2] It targets SMEs underserved by traditional banks, enabling quick liquidity access with just a few clicks to help businesses focus on operations rather than cash flow constraints, with strong growth evidenced by $572M+ raised in funding and operations expanding regionally.[2][5]
Xepelin was founded in 2019 in Las Condes, Chile, by CEO Juan José Gutiérrez (who has emphasized building a financial partner for LatAm businesses amid economic uncertainty) and a team aiming to create the leading B2B digital bank in Latin America.[1][3][6] The idea emerged from recognizing SMEs' struggles with slow bank financing and poor financial visibility in a digitizing LatAm economy, leading to a SaaS platform that combines financial management with embedded lending.[1][3] Early traction came quickly, with thousands of businesses adopting it for real-time tools and agile loans; by 2024, it scaled to 50,000+ clients, secured major funding like $230M in debt/equity from Kaszek and angels, and launched products like Smart Secured Credit Lines using AI for risk assessment.[1][2][5][6] Pivotal moments include regional expansion to Mexico and tech integrations for payments and analytics, humanizing its mission through founder-led innovation in underserved markets.[1][6]
Xepelin rides the fintech wave of SME digitization in Latin America, where demand for accessible working capital surges amid economic volatility and low bank penetration for SMEs.[1][3] Timing aligns with rising digital lending trends (197 tracked items globally, excluding US), as businesses seek real-time tools over legacy systems, fueled by market forces like AI-driven risk models and B2B payments growth.[1][2][6] It influences the ecosystem by democratizing finance for thousands of SMBs across industries, optimizing supply chains (e.g., via invoice platforms like competitors eFactor), and enabling focus on core operations, positioning as a B2B digital bank leader in high-growth Chile/Mexico while eyeing expansion.[3][4][5]
Xepelin is poised for accelerated LatAm dominance, with next steps including deeper Mexico penetration, new-country launches, and product evolution like enhanced AI analytics and secured lines to capture more of the booming digital lending market.[1][5][6] Trends like AI risk management, B2B payments digitization, and SME resilience in uncertain economies will propel growth, potentially evolving its influence from liquidity provider to full-stack B2B banking powerhouse. As the go-to "digital CFO" scaling from Chilean roots to regional force, Xepelin exemplifies fintech's power to unlock SME potential.[1][3]
Xepelin has raised $396.5M across 7 funding rounds. Most recently, it raised $20.0M Other Equity in January 2026.
Xepelin has raised $396.5M in total across 7 funding rounds.
Xepelin's investors include Mountain Nazca, Kaszek Ventures, Avenir, Accel, Alex, Alpha Capital Acquisition Company, Cedar Capital Group, Elevar Equity, FJ Labs, H.I.G. Capital, IGNIA Partners, Insight Partners.