Chile has a mature fintech scene. The Fintech Law reshaped it. Most big backers are foreign funds. Here are 15 investors backing Santiago fintech startups in 2026.
Chile's fintech scene runs deep, and the Fintech Law opened it up to a wider field of providers. That shift pulled in new capital and gave founders a clearer path to licensing.
Few of the funds writing cheques actually sit in Santiago, so most of the money flies in from abroad. Companies like Toku and Colektia drew fresh rounds, and neobanks now hold formal licenses.
You will end up pitching both local and global money in the same raise. Ellty puts all of your data behind one link so every fund sees the same numbers.
| Type | Check size | Sector focus | Website | |
|---|---|---|---|---|
| Nazca | Pan-LatAm VC | ~US$2M-$20M+ | SME finance, lending, payments | nazca.vc |
| Oak HC/FT | Global fintech-specialist fund | US$10M-$50M+ | Payments, SME finance, infra | oakhcft.com |
| Gradient Ventures | Corporate VC (Google) | ~US$1M-$10M | Payments, AI-driven fintech | gradient.com |
| Mouro Capital | Corporate fintech VC (Santander) | US$5M-$15M | Lending, collections, infra | mouro.vc |
| Magma Partners | Chilean fintech VC | ~US$100K-$2M+ | Fintech, insurtech, marketplaces | magmapartners.com |
| Amarena | Chilean VC / family office | ~US$500K-$6M | Fintech, open banking, SaaS | amarena.vc |
| Endeavor Catalyst | Global co-investment fund | Co-invest, varies | Sector-agnostic, fintech | endeavor.org |
| Krealo | Corporate VC (Credicorp) | Strategic, large | Neobanking, payments | krealo.pe |
| Kayyak Ventures | Chilean VC | ~US$1M-$5M | Fintech, financial services | kayyakventures.com |
| Dalus Capital | Pan-LatAm VC (Mexico) | US$2M-$10M | Fintech, mobility, SME | dalus.com |
| Fen Ventures | Chilean VC | ~US$500K-$3M | Fintech, life sciences, tech | fen.vc |
| Manutara Ventures | Chilean VC | ~US$250K-$2M | Fintech, e-gaming, deeptech | manutara.vc |
| monashees | Pan-LatAm VC (Brazil) | Seed to Series B | Payments, fintech | monashees.com.br |
| Propel Venture Partners | Global fintech VC | Series A to growth | Payments, fintech infra | propel.vc |
| Kaszek | Pan-LatAm VC | ~US$1M-$25M+ | SME finance, broad fintech | kaszek.com |
Pitch local and global fintech money from one link
Fintech investors check users, licenses, and risk fast. Ellty shows who opened your numbers so you follow up first.
Start free 14-day trialWhat a fintech investor backs
They want to see real users and genuine volume, and they look hard at whether the unit economics hold up. Clean numbers tell them the model can scale beyond its first market.
They also watch licenses and risk closely, which is where the Fintech Law gives Chilean founders an edge. A clear regulatory path wins the room as much as a clear model does.
A tidy fundraising file lets a fund move from interest to a term sheet without friction. Ellty gives each fund one link, so you can see exactly who opens your deck and when.
Chilean fintech stopped being a promise and became one of the most mature, dynamic ecosystems in Latin America.
15 Santiago fintech investors
1. Nazca
Nazca backs lending and SME finance in LatAm.
Recent Activity: Led Xepelin's US$20M 2026 bridge
Sector Focus: SME finance, lending, payments
Stage Focus: Seed to growth
Check Size: ~US$2M-$20M+
Location: Miami, USA
Website: nazca.vc
2. Oak HC/FT
Oak HC/FT is a global fintech specialist.
Recent Activity: Led Toku's US$48M 2025 Series A
Sector Focus: Payments, SME finance, infra
Stage Focus: Series A to growth
Check Size: US$10M-$50M+
Location: Stamford, USA
Website: oakhcft.com
3. Gradient Ventures
Gradient is Google's AI venture fund.
Recent Activity: Led Toku's US$9.3M 2024 round
Sector Focus: Payments, AI-driven fintech
Stage Focus: Seed to Series A
Check Size: ~US$1M-$10M
Location: USA
Website: gradient.com
4. Mouro Capital
Mouro is Santander's fintech venture arm.
Recent Activity: Led Colektia's US$9M 2024 Series A
Sector Focus: Lending, collections, infra
Stage Focus: Series A to growth
Check Size: US$5M-$15M
Location: London and USA
Website: mouro.vc
5. Magma Partners
Magma is a leading Santiago fintech VC.
Recent Activity: An active Santiago fintech VC
LinkedIn: Magma Partners LinkedIn
Sector Focus: Fintech, insurtech, marketplaces
Stage Focus: Pre-seed to Series A
Check Size: ~US$100K-$2M+
Location: Santiago, Chile
Website: magmapartners.com
6. Amarena
Amarena backs Chilean fintech founders.
Recent Activity: Backed open-banking fintech Floid
Sector Focus: Fintech, open banking, SaaS
Stage Focus: Seed to Series A
Check Size: ~US$500K-$6M
Location: Santiago, Chile
Website: amarena.vc
Give each fintech fund one trackable link
Ellty logs when a fund opens your data room. Chase the keen ones first, not days too late.
Start free 14-day trial7. Endeavor Catalyst
Endeavor Catalyst co-invests in scaleups.
Recent Activity: Co-invested in Colektia's 2024 round
Sector Focus: Sector-agnostic, fintech
Stage Focus: Series A and up
Check Size: Co-invest, varies
Location: New York, USA
Website: endeavor.org
8. Krealo
Krealo is Credicorp's venture arm.
Recent Activity: Backs neobank Tenpo via Credicorp
Sector Focus: Neobanking, payments
Stage Focus: Growth, strategic
Check Size: Strategic, large
Location: Lima, Peru
Website: krealo.pe
9. Kayyak Ventures
Kayyak backs Chilean fintech and SaaS.
Recent Activity: Backed Galgo and Colektia
Sector Focus: Fintech, financial services
Stage Focus: Seed to Series B
Check Size: ~US$1M-$5M
Location: Santiago, Chile
Website: kayyakventures.com
10. Dalus Capital
Dalus backs fintech across LatAm.
Recent Activity: Backed lender Galgo in 2023
Sector Focus: Fintech, mobility, SME
Stage Focus: Series A to growth
Check Size: US$2M-$10M
Location: Monterrey, Mexico
Website: dalus.com
11. Fen Ventures
Fen Ventures backs early Chilean fintech.
Recent Activity: An early backer of Colektia
Sector Focus: Fintech, life sciences, tech
Stage Focus: Seed to Series A
Check Size: ~US$500K-$3M
Location: Santiago, Chile
Website: fen.vc
12. Manutara Ventures
Manutara had a marquee Xepelin exit.
Recent Activity: Sold its Xepelin stake at 107x
Sector Focus: Fintech, e-gaming, deeptech
Stage Focus: Seed to Series A
Check Size: ~US$250K-$2M
Location: Santiago, Chile
Website: manutara.vc
13. monashees
monashees is a top Brazilian early VC.
Recent Activity: Backed payments fintech Fintoc
Sector Focus: Payments, fintech
Stage Focus: Seed to Series B
Check Size: Seed to Series B
Location: Sao Paulo, Brazil
Website: monashees.com.br
14. Propel Venture Partners
Propel backs payments and fintech infra.
Recent Activity: Led Fintoc's 2024 Series A
Sector Focus: Payments, fintech infra
Stage Focus: Series A to growth
Check Size: Series A to growth
Location: San Francisco, USA
Website: propel.vc
15. Kaszek
Kaszek is LatAm's largest VC fund.
Recent Activity: An early backer of Xepelin
Sector Focus: SME finance, broad fintech
Stage Focus: Seed to growth
Check Size: ~US$1M-$25M+
Location: Sao Paulo and pan-LatAm
Website: kaszek.com
Why most backers fly in
Few funds are based in Chile itself, so most of the capital comes from abroad. US and pan-LatAm funds tend to lead the larger rounds.
Local Chilean VCs still play a vital role by backing the earliest stages. They open the door before the bigger international cheques arrive.
That mix means you should pitch beyond Santiago early in your raise. Ellty shares your data across borders and tracks who opens it first, and you can compare notes in our fintech investors guide.
How the Fintech Law changed things
The Ley Fintech created a licensing regime for providers and opened up access to banking data. That framework gave founders a structure to build trust on from day one.
Tenpo became the first licensed neobank under the new rules, and more firms keep registering. The pattern shows backers that the market is maturing rather than stalling.
Show a clear license path and you build confidence with investors early. Ellty logs who reads your numbers, and you can see how a similar market plays out in our Vilnius fintech guide.
Raising fintech money in Santiago
Line up both local and global funds before you start, because a committed lead sets the pace for everyone else. A clear ask keeps the conversation moving once interest builds.
Protect user data as you share it, especially when sensitive metrics are in play. Use secure file sharing and add password protection to lock key files from leaks.
Ellty sends updates and tracks every read so you know where attention is landing. That visibility helps your startup close the round with less guesswork.
How to pitch a fintech investor
Show real users and volume.
- 1.Show real users and volume.Prove the model actually works with live numbers, not projections. Real usage and steady volume tell a fund your growth is durable.
- 2.Map your license and risk plan.Make your compliance story clear and easy to follow. Show how the Fintech Law applies to you and how you manage risk as you scale.
- 3.Name your raise and runway.Keep the ask tight and tie it to specific milestones. Spell out how much you are raising and how far it carries you.
- 4.Send one Ellty link to your data.Share a single trackable link to your deck and data room. Then watch who digs in so you can follow up at the right moment.
How Ellty helps you land a fintech investor in Santiago
You have your Santiago fintech list ready. Set up a data room before the first call.
- 1.Upload your deck, metrics, and licenses.Set access per fund.
- 2.Share one trackable link per fund.Each fund gets a unique link.
- 3.Watch opens and reply on time.Use analytics to time each nudge.
Santiago fintech investor questions
- Local VCs and global funds. US money leads big rounds.
- Yes, one of LatAm's top. Over 500 fintech firms.
- It licensed providers. It opened banking data.
- Payments, lending, SME finance. Neobanking too.
- Seed runs US$1M to US$5M. Growth goes far higher.
- Before your first investor call. Track who opens your numbers.
