Acquisition
Sep 2023Kapital acquired Banco Autofin Mexico, adding banking operations and customers.
SourceData driven neobank for SMBs in LATAM
Company research
Public company, workplace, funding, and market signals
Updated Jul 29, 2026
Overview
Kapital is a Mexico City-based financial group and SMB-focused digital bank that combines business banking, credit, payments, treasury, and investment products for companies in Mexico and Latin America.
Primary product
AI-driven all-in-one business banking and cash-management platform for SMBs
Founded
2020
Headquarters
Mexico City, Mexico
Team size
1,000-2,000
Work style
Flexible
Industry
Financial Services
Sub-industry
Business banking / fintech / neobank for SMBs
Offices
Av. Insurgentes Sur 2475, Álvaro Obregón, Ciudad de México 01090 (HQ)
Pico de Verapaz 435, Mexico City, CDMX, Mexico
Av. Cd Universitaria #286-Loc. 102, Jardines del Pedregal, Álvaro Obregón, Ciudad de México
Av. Revolución #2703, Plaza Nuevo Sur Local B03, Ladrillera, Monterrey, Nuevo León
Blvd Andrés Serra Rojas #1090, Edificio Torre Chiapas, Planta Baja, Paso Limón, Tuxtla Gutiérrez, Chiapas
Av. López Mateos #700, Col. Chapalita, Guadalajara, Jalisco
Av. Paseo de la Reforma #130, Col. Juárez, Cuauhtémoc, Ciudad de México
Circuito Médicos 28, Ciudad Satélite, Naucalpan de Juárez, Estado de México
Av. Revolución #8, Col. Escandón, Miguel Hidalgo, Ciudad de México
Av. Insurgentes Sur 1231, Col. Extremadura Insurgentes, Benito Juárez, Ciudad de México
Business model
SMB banking
lending
payments
treasury / cash management
cards
investment and wealth products
FX / foreign exchange
financial software / SaaS fees
Funding
Stage
Series C
Total raised
$481.7M
Latest round
Series C · Sep 2025
Latest amount
$100M
Sep 2025 · Tribe Capital and Pelion Ventures
Dec 2023 · Tribe Capital
Dec 2023
May 2023 · Niya Partners and Tribe Capital
May 2023 · Accial Capital
$8.6M
People & investors
Leadership
CEO & Co-Founder
CFO & Co-Founder
Managing Director & Co-Founder
Director de Estrategia Comercial
VP of Financial Planning and Funding
Head of Revenue Growth
Directora de operaciones
Head of Investment Banking
Director corporativo
Marcela Diaz. Chavez. Morineau
Director financiero
Work & culture
Culture signals emphasize innovation, autonomy, continuous learning, growth mindset, cross-functional teamwork, and building a technology-first bank / fintech hybrid.
Work style
Flexible
Compensation
Public job posts advertise competitive salary / salary competitive, plus above-law benefits, preferential rates on Kapital products, and added perks such as medical insurance, savings, education, and English support.
Benefits
Prestaciones de ley
Seguro de vida
30 días de aguinaldo
50% de prima vacacional
Seguro de Gastos Médicos Mayores
Caja de ahorro
Tasas preferenciales en productos Kapital
Convenios de salud
Convenios para continuar estudios
Becas para clases de inglés
Convenios con cines y parques de diversiones
Product & market
Pricing
Mixed model: interest income on credit, spreads/fees on FX and banking products, and published product commissions / costs where applicable.
Differentiators
- —All-in-one platform that combines banking, credit, payroll, invoicing, treasury, and investing
- —AI-driven underwriting and predictive analytics
- —Built for SMBs / PyMEs rather than mass retail banking
- —Can integrate traditional bank assets with a native tech platform
- —Cross-country LATAM expansion with localized operations
- —Publicly emphasized profitability and rapid growth
Technology
TypeScript
JavaScript
Node.js
NestJS
ReactJS
JWT
REST APIs
microservices
Git
GitLab
Docker
Kubernetes
Prometheus
Grafana
Databricks
Tableau
Power BI
Keycloak
Jest
Swagger
Customers
Small and medium-sized businesses (SMBs / PyMEs) in Mexico
SMBs across Latin America, including Colombia and Peru
Business owners and finance teams needing banking, payroll, invoicing, treasury, and credit tools
Post-acquisition banking, brokerage, and wealth customers from the expanded group
Competitors
Konfio
Clara
Stori
Plata
Banregio
BBVA Empresarial
Scale & contact
Estimated revenue
Approximately USD 310M-548M annual revenue range based on Sacra estimates for 2025; some third-party profiles report much higher figures, but those appear less reliable.
Estimated monthly visits
1.1K
Signals & risks
Acquisition
Aug 2025Kapital announced it would acquire broker-dealer, asset-management, and operational banking assets from Grupo Financiero Intercam, subject to approvals.
SourceOther
Aug 2025The Intercam transaction was publicly framed amid U.S. sanctions / compliance scrutiny, so execution risk and regulatory risk were material.
SourceOther
No credible public evidence of layoffs or shutdowns was found in the reviewed sources.
Latest news
Reuters · Sep 2025
Reuters reported Kapital reached unicorn status after a fresh funding round led by Tribe Capital and Pelion Ventures, with valuation topping $1.3B and a separate $100M investment tied to the Intercam deal.
PRNewswire / Kapital · Sep 2025
Company press release on the up to $100M Series C, profitability, and AI-driven SMB platform positioning.
PRNewswire / Kapital · Aug 2025
Kapital announced the planned Intercam asset acquisition, regulatory approvals, and a $100M commitment to strengthen operations and compliance.
CNBC · May 2024
CNBC described Kapital as a 2020-founded Mexico City fintech serving 80,000+ clients with AI, credit, and cash-management products, and noted its total funding and expansion plans.
TechCrunch · Dec 2023
TechCrunch covered the Series B and debt financing, noting growth in SMB customers and the Banco Autofin Mexico acquisition.
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