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Xepelin gives small and medium-sized businesses in Latin America the money and tools they need to run their operations, from short-term financing to payments and cash management.
Xepelin is a financial technology company that helps small and medium-sized businesses in Latin America manage their money and keep their operations running. Its core product is working capital — short-term financing that a business uses to pay for things like inventory, supplies, or payroll while it waits for customers to pay their own bills. That gap between paying costs and collecting revenue is one of the most common reasons small businesses get into trouble, and Xepelin steps in to bridge it.
The company was founded in Chile in 2019 by Nicolás de Camino and Sebastián Kreis, and it grew quickly by targeting a segment that traditional banks often overlook: mid-sized companies that are too big for microfinance but too small or too new to get easy credit from big banks. Xepelin uses software to look at a company's actual cash flow and payment records, which lets it make lending decisions faster than a bank would. It has expanded beyond Chile into Mexico and other Latin American markets. Beyond lending, Xepelin offers payment and cash management tools — essentially a dashboard where a business can see what it owes, what it's owed, and move money around. The idea is to become the financial operating system for these companies, not just a lender. It makes money mainly from the interest and fees on its financing products, with the software tools helping to lock in customers.
The business has attracted serious backing from venture investors, including a funding round in 2022 that valued it above $800 million, making it one of Chile's most prominent startups. But it also carries real risk: lending to smaller companies in volatile economies is risky, and rising interest rates and tighter funding markets have made life harder for fintech lenders across the region. Xepelin's future depends on whether it can keep its loan losses low while growing its customer base and turning its software tools into a sticky, everyday habit for Latin American businesses.
Saved answer · last researched 15 Nov 2026