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Expansion Mx: Xepelin
Xepelin is a fintech company providing small and medium-sized businesses (SMBs) in Latin America with financial solutions to manage liquidity, payments, and cash flow
Mack Meyer
March 18, 2025
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Xepelin is a fintech company focused on providing financial services to small and medium-sized businesses (SMBs) in Latin America. The platform offers real-time financial insights, working capital solutions, and streamlined payment processes, helping businesses access liquidity and manage cash flow efficiently.
Xepelin is a financial backbone for businesses that have been historically underserved by traditional banks, offering them the tools and resources needed to grow and operate smoothly. We built Xepelin to remove friction in business finance, making it faster and easier for SMBs to access capital when they need it.
Xepelins’ Inception Story
Xepelin was born out of a need to bridge the financial gap for SMBs in Latin America, a market where credit access remains a persistent challenge.
Sebastian Kreis and his co-founders recognized the inefficiencies in traditional banking systems and saw an opportunity to leverage technology to simplify financial operations for businesses.
They set out to develop a comprehensive solution that would address the financing struggles SMBs face daily.
“We saw firsthand how difficult it was for businesses to get the funding they needed to grow,” Kreis told VC Mexico. “Instead of waiting weeks or months for loans, we envisioned a platform that would provide financial solutions in real-time, tailored to the actual needs of each business.”
Our goal was to create a data-driven ecosystem that could predict cash flow needs and offer instant financial support. We wanted to provide a frictionless experience that empowers businesses to make financial decisions with confidence.
Beyond offering immediate financial solutions, Xepelin also sought to eliminate bureaucratic hurdles that often prevent SMBs from securing capital. “We knew that traditional financial systems weren’t built with SMBs in mind,” Kreis explained to VC Mexico. “That’s why we built a platform that integrates seamlessly into their daily operations, ensuring they have access to capital exactly when they need it.”
Founders
Sebastian Kreis, Carlos Veloso, Diego Contreras, Felipe Puntarelli, Guillermo Molina Carvallo, Nicolas De Camino
How Xepelin Works?
Xepelin provides businesses with a seamless platform to manage liquidity, payments, and financial intelligence. The key features include:
Invoice Financing: Businesses can advance payments on invoices, ensuring cash flow remains steady without waiting months for clients to pay.
Supplier Payments: Xepelin enables businesses to pay suppliers immediately while allowing them to defer payments, strengthening supply chain relationships.
Financial Insights: Real-time financial health monitoring helps businesses make informed decisions with indicators and analytics at their fingertips.
Fraud Prevention: The platform assesses potential partners and clients to protect businesses from fraud and financial risks.
Automated Payments & Collections: Businesses can manage receivables and payables in one place, avoiding cash flow disruptions.
The onboarding process is simple and efficient:
Sign Up – Businesses register on the platform for free.
Link Accounts – Users link their financial data to consolidate invoices and access customized financing.
Request Financing – Companies can request cash advances on invoices or supplier payments instantly.
We designed Xepelin to be more than just a lending platform—it’s a financial ecosystem that allows businesses to operate seamlessly, from managing payments to accessing instant liquidity.
Future Plans and Growth
Xepelin has experienced rapid growth and continues to expand across Latin America, with a focus on strengthening its technological capabilities and expanding its suite of financial services. The company aims to integrate more automation and AI-driven insights to better serve businesses. “We are scaling our operations to reach more businesses in the region, ensuring that every SMB has access to financial solutions that were once only available to large corporations,” Kreis told VC Mexico.
The company envisions becoming the go-to financial partner for businesses across Latin America, helping them navigate growth efficiently.
To achieve this, Xepelin is actively investing in AI (artificial intelligence) and machine learning to refine its predictive capabilities, ensuring businesses receive the right financial support at the right time.
We are constantly improving our platform to provide deeper financial insights and a more personalized experience for our users. By leveraging data, we can anticipate cash flow needs and proactively offer solutions that help businesses grow sustainably.
Beyond technological advancements, Xepelin is focused on forging strategic partnerships and expanding regionally. Recognizing the unique financial challenges in different Latin American countries, the company is tailoring its services to meet local business needs, ensuring a customized approach to financial support.
“Latin America is a diverse market with unique financial challenges in each country, so our approach is tailored to fit the specific needs of businesses in different regions. We are not just expanding geographically; we are adapting our services to create real value for businesses wherever they operate.”
Expansion and Network Acquisition
As Xepelin scales, expanding its network of businesses and financial partners is a key priority. The company is focused on building an extensive ecosystem that seamlessly connects businesses with financial solutions and service providers.
Our expansion strategy revolves around deepening our presence in key markets while ensuring we establish meaningful relationships with businesses and financial institutions.
Xepelin is working on partnerships with banks, fintech platforms, and other financial service providers to create an interconnected system that improves access to credit and liquidity.
The company is also leveraging data analytics to understand the specific needs of businesses in each region, allowing for targeted expansion strategies. By integrating with existing financial infrastructure, Xepelin ensures businesses can access financial tools without disrupting their current operations.
“We are not just entering new markets; we are adapting to them. Our goal is to be a trusted financial partner wherever we operate.” - Sebastian Kreis
Funding
2022, $148M (Debt Financing) led by Goldman Sachs.
2022, $111M (Series B) led by Kaszek & Avenir including Picus Capital, Paypal Ventures, Gilgamesh Ventures, FJ Labs, Endeavor Catalyst, DST Global, and several other investors.
2021, $30M (Series A) led by Kaszek & DST Global including Seaya, Picus Capital, MSA Novo, Manutara Ventures, Kayyak Ventures and several other investors.
Initial Challenges & Misconceptions
Like many startups, Xepelin faced significant challenges in its early stages, particularly in convincing businesses to adopt a new financial model and securing trust in a sector where skepticism toward fintech is high.
One of our biggest challenges was educating businesses about the advantages of a digital-first financial solution. Traditional banking had conditioned them to expect slow, cumbersome processes, so we had to demonstrate how technology could make finance work for them, not against them.
Establishing credibility in a market with low fintech adoption required tangible results, transparent operations, and consistent efficiency.
Despite its success, Xepelin has encountered misconceptions, particularly around its role as a lender rather than a full-service financial platform. Many assume it operates like a traditional bank, focusing solely on credit offerings.
People often think we are just another lending company, but we are much more than that. Xepelin is about financial intelligence—helping businesses manage cash flow, optimize payments, and access capital when needed, not just providing loans.
Through innovation and a deep understanding of the financial struggles faced by SMBs, Xepelin continues to reshape the landscape of business finance in Latin America, providing essential tools for sustainable growth.
Market Opportunity for Xepelin in Latin America
Small and medium-sized enterprises (SMEs) constitute over 98% of businesses in Latin America but contribute only 25% to the region's GDP, significantly lower than the 44% seen in the United States. This disparity highlights a substantial financing gap, with traditional banks often hesitant to extend credit to these enterprises. Consequently, approximately 50% of formal SMEs lack access to formal credit, resulting in an estimated $1 trillion financing shortfall (Fintech Nexus).
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