The Reboot Chronicles with Dean DeBiase
Latin America's Fintech Unicorn: Rene Saul, CEO of Kapital
Rene Saul knows what it feels like to be the customer he is now serving. Before founding Kapital, he was an SMB himself, doing agricultural loans for producers exporting to the United States and factoring with large American enterprises, experiencing firsthand the friction, the opacity, and the lack of access to liquidity that defines business banking in Latin America. That experience became the thesis for Kapital, a company that started with a simple idea: what if you could onboard a business with nothing more than a tax ID, understand everything about it from electronic invoicing data, and give it access to liquidity and financial visibility in a single platform? Today Kapital is Latin America's first AI native fintech unicorn, serving more than 350,000 customers across Mexico, Colombia, the United States, and beyond. It has a 700 million dollar revenue run rate, generated more than 55 million dollars in net profit in the first half of 2026, grown its loan portfolio and payments by 300 percent, and reached more than 4 billion dollars in deposits. A 125 million dollar Series C extension announced during this episode doubled the company's valuation to over 1 billion dollars. An IPO is on the horizon. On this episode of The Reboot Chronicles Podcast, we sit down with Rene Saul, CEO of Kapital, to unpack how Latin America's largest B2B fintech was built on a thesis most investors initially rejected, why being a regulated entity from day one turned out to be the right call, how Kapital's AI native platform knows its customers better than they know themselves, what cross border payments between Mexico and the United States actually look like when done right, and why the enemy of rebooting yourself is always the ego.
