INFOGRAPHIC: Startup Funding in LATAM—Week 52, 2025

Latin American fintechs kicked off the week with sizable new funding rounds, reinforcing investor appetite for platforms expanding access to credit, strengthening financial infrastructure, and modernizing risk management. From Brazil’s consigned-credit engines to Colombia’s inclusion-focused lenders and blockchain-backed guarantee networks, the latest deals highlight a region doubling down on technology that widens financial participation and improves lending efficiency.

Brazil’s iCred led the week, securing $208 million through share issuances across two Credit Rights Investment Funds (FIDCs). Coordinated by Itaú BBA and XP Inc., the financing will support R$1 billion in new credit for INSS beneficiaries and an additional R$150 million for FGTS-backed loans through 2026. With capital now secured until March 2026, iCred plans to disburse R$4 billion in loans next year, roll out new consignment card products, and scale an AI-powered origination engine capable of processing and disbursing loans in as little as 40 minutes via Pix.

The company is also strengthening its distribution footprint by regionalizing 15 executives and launching an incentive program for more than 60,000 correspondents and 2,000+ managers, while adopting a conservative stance in the Workers’ Credit segment amid rising delinquency across the market.

Digital bank Inter followed with a $89.3 million raise through the private issuance of subordinated Financial Bills (LFs) aimed at strengthening its regulatory capital. Split evenly between Tier I perpetual bills and Tier II bills, the debt instruments come with a repurchase option starting in 2030 and are expected to boost Inter’s Basel Index by 1.2 percentage points. The operation aligns with Brazil’s Central Bank rules and reinforces the digital bank’s long-term balance-sheet strategy as it continues expanding its financial ecosystem.

Anzi Finance closed the first phase of a financing plan totaling $25 million, combining institutional investment with operational resources to scale its credit-guarantee infrastructure across Latin America. Operating hubs in Spain, Colombia, and Uruguay, the company provides blockchain-enabled, tokenized guarantee models, including self-balanced mechanisms and first-loss structures, to help financial institutions lend with greater traceability and lower risk. Backers include Tritemius VC, Outlier Ventures, Uruguay’s ANII, strategic angels, and Mercy Corps Ventures. With the new capital, Anzi plans to support the issuance of more than 7 million guarantees over five years, expand to new markets, and integrate more lenders into a platform targeting up to $1.6 trillion in productive credit mobilization.

In Colombia, Monet secured $24 million in a mixed equity-and-debt Series A round, solidifying its position as a leading player in alternative lending and financial inclusion. Backed by a U.S. Credit Facility and investors such as Ventures Comfama, Monet plans to strengthen its risk-assessment models, expand nationwide coverage, and deepen its fight against “gota a gota” (loan-sharking) practices. The startup currently offers quick loans ranging from COP 50,000 to 500,000 and has become a lifeline for informal and underserved workers. With demand accelerating, Monet aims to issue 3.5 million loans in 2026 and begin its expansion into Mexico, while also launching a credit program for Venezuelan migrants requiring no credit history or guarantors, a segment of nearly two million people with Temporary Protection Permits.

Rounding out the week, Brazil’s Altis raised $10 million through a Credit Rights Investment Fund (FIDC) structured by Galapagos Capital to expand its credit-as-a-service platform. Designed for businesses that want to offer financing without building internal credit teams, Altis provides an end-to-end infrastructure for origination, risk analysis, and receivables management. With the new capital, the startup will accelerate its fast-growing vehicle-financing operation and scale capacity to meet demand in Brazil’s automotive sector. Altis currently serves over 180 clients, has originated more than $2 million in credit, and expects to reach $60 million in origination over the next two years.

Together, these rounds reflect growing confidence in the region’s financial-technology sector, from high-volume credit engines and capital-strengthening bank operations to blockchain-enabled guarantees and inclusion-first lending models. As investors continue backing platforms that address structural credit gaps, Latin America’s fintech ecosystem enters its next cycle with deeper resilience and broader regional ambition.