SMBs are the backbone of Latin America's economy, representing about 98% of all businesses, employing nearly 70% of the workforce, and contributing approximately 40% of GDP. Traditional lending models have often excluded SMBs due to high distribution costs.

SMBs use Xepelin to automate treasury workflows, obtain efficient financing, and collaborate with clients and suppliers. This generates acquisition, retention, and information network effects. This growing ecosystem provides Xepelin with real time view of the cashflow quality of 2 million companies. Xepelin scores and underwrites clients even before they meet Xepelin. This efficient go-to-market and underwriting strategy allows the company to have best-in-class CAC payback and cost-to-serve/ARPU ratio.