Xepelin Enters Latin America’s Booming Fintech Market for SMBs
Chilean fintech startup Xepelin has launched a digital banking platform tailored for small and medium-sized businesses (SMBs) in Latin America, offering innovative lending and revenue management solutions. Founded by Sebastian Kreis and Guillermo Molina Carvallo, the company aims to address the region’s critical gap in accessible financial services for SMBs.
Bridging the Financing Gap with Factoring Solutions
Xepelin’s core offering revolves around factoring-based loans, enabling businesses to secure funding based on expected revenue. This model is particularly impactful in Latin America, where traditional lending options for SMBs remain scarce.
- Market Potential: Kreis estimates Latin America’s private debt market could grow 70x over the next decade, driven by regulatory shifts and digital adoption.
- Focus Markets: Launching in Chile and Mexico, Xepelin plans to expand continent-wide as demand for alternative financing grows.
Competitive Landscape
Xepelin joins other fintech players like Portal Finance and Marco Financial, which have also secured multimillion-dollar credit lines to serve Latin American SMBs. However, Xepelin differentiates itself with a user-centric approach, combining lending with integrated revenue management tools.
Funding and Growth Strategy
The startup has raised $3.5 million in early-stage funding, including a recent $2.5 million round led by Impact Ideas VC. These funds will support:
- Customer acquisition through its existing credit line.
- Product development, including advanced financial planning features.
Why Mexico Matters
Mexico exemplifies the untapped opportunity:
- Only 300,000 out of 6 million registered businesses currently have access to dedicated financial services.
- Midmarket firms often manage relationships with 1,000–5,000 SMBs, highlighting the scalability potential.
The Road Ahead
With its tech-driven model and regional expertise, Xepelin is poised to become a key player in Latin America’s fintech revolution—empowering SMBs with faster, simpler access to capital.
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