“Can a factoring-first fintech become the financial operating system for LatAm SMBs — and solve collections at scale?”
Founded 2019 in Chile as an online-banking alternative for LatAm SMEs, Xepelin's wedge was invoice factoring — advancing cash against receivables where traditional banks would not lend. Over 2021–2022 the company positioned itself as a 'digital CFO' bundling receivables/payables management, financing, and cash-flow visibility. Today the product set spans factoring, purchase-order financing, B2B BNPL, and term loans across Mexico and Chile, with $7B+ deployed. The strategic question now is collections — as CEO Sebastián Kreis put it in 2026, lending is the easy part.
Xepelin's lending and capital products are provided by Xepelin (in-house).
Xepelin was founded by Nicolás Camino, Sebastián Kreis and Guillermo Molina Carvallo and is founded in 2019, headquartered in Las Condes, Santiago, Chile.
Xepelin has raised $300M+ (equity + debt) in total (latest round: Later Stage VC, $20M).
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