Tribal
“Can a B2B payments and credit platform become the financial operating system for SMBs and startups across Latin America and other emerging markets?”
Founded2019
HQSan Francisco, CA, USA
FoundersAmr Shady
Total raised$68.2M+
Latest roundSeries B, 2022
IndustryFintech / SMB banking
The story
Founded in 2019 as Tribal Credit, a San Francisco-based fintech targeting corporate card issuance for startups in emerging markets. The company evolved from a simple virtual card product into a broader B2B payments and financing platform, adding spend management, credit, and payments infrastructure. The Series B in 2022 accelerated LatAm expansion with SoftBank backing, and Coinbase Ventures participation signals a crypto/stablecoin angle. The company rebranded and repositioned around 'Tribal' as it broadened its suite beyond cards into working capital financing.
Last 12 months
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Product timeline
2019
Launched beta spend management platform with virtual corporate cards for enterprise customers in emerging markets.· card
2020
Secured $5.5M seed round; operating under the brand Tribal Credit providing corporate cards for emerging market startups.· banking
2022
Raised $60M Series B led by SoftBank Latin America Fund; expanded rapidly across Brazil, Mexico, Colombia, Peru and Chile.· banking
2022
Positioned at the intersection of crypto, credit, and payments for emerging markets, with LatAm as primary expansion focus.· pivot
The stack
3 layers disclosed in Tribal’s embedded-finance stack
Banking / BaaS
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: none
3 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.