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§ Private Profile · Mexico City, Distrito Federal, Mexico
A regulated digital finance company offering digital banking services and P2P loans for individuals and MSMEs in Mexico.
kubo.financiero is a Mexico City-based regulated digital finance company offering online personal loans, savings accounts, time deposits, debit cards, and expense management tools through a mobile app. The platform operates a peer-to-peer lending marketplace, connecting individual investors with borrowers, primarily targeting personal finance needs and microentrepreneurs in Mexico. To date, kubo.financiero has raised $46.75 million in total funding, including a $25 million Series A round in 2019 and a $7.5 million Series A in 2016. Key investors include Tiger Global Management, SoftBank, Monashees, Lightspeed Venture Capital, and IDB Invest, which provided up to $10 million in preferred shares in 2021. The company was founded in 2012 by Vicente Fenoll, Allan Seidman, and Tomas Hernandez. Its business model centers on peer-to-peer lending marketplace connecting individual investors with borrowers, supplemented by multi-product digital banking services, generates revenue through interest spreads and fees while reducing costs via technology.
kubo.financiero has raised $41.6M across 4 funding rounds.
kubo.financiero has raised $41.6M in total across 4 funding rounds.
kubo.financiero has raised $41.6M across 4 funding rounds. Most recently, it raised $28.0M Series B in June 2021.
| Date | Round | Lead Investors | Other Investors | Status |
|---|---|---|---|---|
| Jun 1, 2021 | $28M Series B | — | Dalus Capital | Announced |
| Aug 1, 2016 | $8M Series A | Bamboo Capital Partners | Capital Invent, Dalus Capital, Earlybird Venture Capital, ALI Kutay, Javier Molinar Horcasitas, Alta Ventures, Endeavor Catalyst, KUE Capital, Monex Grupo Financiero, Tanant Capital, Vander Capital, Wayra | Announced |
| Sep 8, 2014 | $3.6M Venture Round | — | Alta Ventures, Capital Emprendedor, Vander Capital, Wayra | Announced |
| Jul 1, 2014 | $2M Seed | — | Dalus Capital | Announced |
Kubo.financiero is a Mexican fintech company that operates as a fully digital Sociedad Financiera Popular (SOFIPO), offering personal loans, fixed-term investment products, debit cards, and expense management tools through an online platform. It serves primarily individual consumers in Mexico, aiming to provide fast, secure, and accessible financial services that promote financial inclusion and economic growth. The company leverages a peer-to-peer lending model to connect creditworthy borrowers with investors, facilitating transparent and efficient financial transactions. As of 2025, Kubo.financiero has supported over 180,000 people with more than 134 billion MXN in loans and has a workforce of approximately 390 employees, demonstrating significant growth momentum in the Mexican fintech market[1][2][4].
Founded in 2012 in Mexico City, Kubo.financiero emerged before the fintech term was widely used, led by Vicente Fenoll and a founding team focused on creating online financial solutions to address the underserved segments of the Mexican population. The idea originated from the need to simplify access to credit and investment opportunities without the bureaucracy typical of traditional banks. Early traction was marked by regulatory approval from the Mexican National Banking and Securities Commission (CNBV) and CONDUSEF, enabling it to operate legally as a SOFIPO. Over time, Kubo.financiero evolved into a fully digital platform, gaining certification as a B Corporation in 2018, which underscores its commitment to social impact alongside profitability[1][2][3].
Kubo.financiero rides the global fintech trend of digital financial inclusion, particularly in emerging markets like Mexico where large segments of the population remain underbanked. The timing is critical as smartphone penetration and internet access increase, enabling digital platforms to reach customers traditionally excluded from formal financial services. Market forces such as regulatory support for fintech, growing demand for alternative credit solutions, and investor interest in Latin American fintechs favor Kubo’s growth. By providing accessible credit and investment products, Kubo.financiero influences the broader ecosystem by promoting economic participation, supporting MSMEs indirectly, and encouraging innovation in financial services[1][2][3].
Looking ahead, Kubo.financiero is positioned to deepen its market penetration by expanding product offerings and enhancing profitability while maintaining its social mission. Trends shaping its journey include increased digital adoption, regulatory evolution favoring fintech innovation, and growing investor appetite for inclusive finance models. The company’s influence may evolve from a national fintech leader to a regional player in Latin America, potentially leveraging partnerships and technology advancements to scale further. Maintaining a balance between growth and social impact will be crucial as it navigates competitive pressures and economic fluctuations[2][3].
Kubo.financiero exemplifies how technology-driven financial services can democratize access to credit and investment, making personal finance more human, fair, and secure for millions in Mexico.
kubo.financiero has raised $41.6M in total across 4 funding rounds.
kubo.financiero's investors include Dalus Capital, Bamboo Capital Partners, Capital Invent, Earlybird Venture Capital, Ali Kutay, Javier Molinar Horcasitas, Alta Ventures, Endeavor Catalyst, KuE Capital, Monex Grupo Financiero, Tanant Capital, Vander Capital.