Kapital Raises $125 Million to Expand AI Finance Platform

Mexico City-based Kapital combines regulated financial infrastructure with proprietary artificial intelligence and data tools to help small and medium-sized businesses manage credit, operations and cash flow. The company raised up to $110 million in a Series C round in September 2025, lifting its valuation above $1.3 billion. Its expansion is a test of whether an AI-led financial platform can scale profitably across Latin America and compete with traditional banks.

Kapital said on Sept. 9, 2026, that it secured $125 million in equity and debt financing led by Tru Arrow Partners and Fasanara Capital, with Cervin Ventures, Niya Partners and Overlook Capital participating. The funds will support AI and analytics development and expansion in Mexico, the United States and other markets. Kapital reported about $50 million in first-half net income, while its loan portfolio rose 220% year on year to more than $1.7 billion and deposits climbed 234% to above $3.5 billion.