Kapital

Kapital is a Mexican FinTech company that provides an all-in-one financial platform for SMEs in Latin America. Kapital's core offerings include loans, corporate credit and debit cards, and an expense management tool. It also offers an Automated Intelligence Dashboard (AID) that provides businesses with data analytics and insights into their operations and cash flows. It also leverages AI to underwrite loans.

Kapital operates under a subscription model with three tiers for its financial management platform: Básico, Pro, and Enterprise. As of September 2024, the Básico plan cost MXN 799 per month and supported up to two users, while the Pro plan was priced at MXN 1,199 per month for up to four users. The Enterprise plan, at MXN 3,499 per month, allows unlimited users. Each tier offers a set of features, with higher-priced plans including more advanced tools and integrations. Common features across all plans include AI assistance, expense management, payroll functions, and travel booking capabilities.

In September 2023, Kapital acquired Banco Autofin Mexico, investing USD 50 million in the purchase and capitalization of the bank. Through the acquisition, Kapital expanded its product suite to include credit cards, automated investments, and AI-driven solutions.

Key customers and partnerships

As of December 2023, Kapital served over 80,000 SMEs across Mexico, Colombia, and Peru.

Kapital has forged partnerships with several organizations to expand its reach and services. The company has collaborated with COPARMEX, GreenCross, Actipulse, and Menta, which either offer their services in conjunction with Kapital or assist in client acquisition.