Kapital has obtained $125m in fresh funding from Tru Arrow Partners and Fasanara Capital, with participation from Cervin Ventures, Niya Partners and Overlook Capital.
The funds will go towards further development of its in-house AI system and data analytics tools to support a broader financial services offering.
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It will be used to speed up expansion plans in Mexico, the rest of Latin America, the US and Europe.
Kapital reported net income of about $50m for the first half of 2026.
Its loan book rose 220% from a year earlier to more than $1.7bn, while deposits increased 234% to above $3.5bn.
It reported a non-performing loan ratio of 2.86% and an efficiency ratio of 34.9%.
In September 2025, the company announced a Series C funding round of up to $110m, which took its valuation to more than $1.3bn.
Kapital said it currently serves more than 350,000 customers in Mexico, the US, Europe and other Latin American markets, and intends to keep growing in those regions.
Kapital CEO and co-founder René Saúl said: “Kapital is solving the core financial challenges that hold businesses back at every stage of their development, creating greater economic opportunity and using AI to democratise access to financial capabilities that were traditionally reserved for large corporations.
“As Kapital continues to grow profitably and increase the operating leverage of our business, this new capital will allow us to accelerate our next phase of growth and expand our impact in priority markets such as Mexico and the United States.”
