Tribal
Tribal is a San Francisco-based fintech providing a B2B payments and financing platform for small and medium-sized businesses across more than 22 emerging markets in Latin America, combining credit offerings with payment processing infrastructure.
- Company typePrivate
- Founded2016
- HeadquartersSan Francisco, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Tribal does
Tribal is a San Francisco-headquartered fintech company founded in 2016 that provides a B2B payments and financing platform targeted at small and medium-sized businesses in emerging markets, with a primary focus on Latin America. The company serves SMBs across more than 22 countries — including Brazil, Mexico, Colombia, Peru, and Chile — that are underserved by traditional financial institutions and lack reliable access to working capital and modern B2B payment infrastructure.
Tribal's core platform combines B2B payment processing with credit and working-capital offerings. Its underwriting approach leverages country-specific structured financial data, notably CFDI e-invoice data in Mexico, to assess SME credit risk more accurately than traditional lenders can. The product is delivered as a unified platform rather than a modular suite, supported by a direct enterprise field-sales motion with locally deployed teams across key Latin American markets. Capabilities were broadened in November 2022 through the acquisition of Paykii, adding cross-border payment functionality.
Tribal's business model is built on two primary revenue streams: interest income and fees from credit/financing extended to SMBs, and transaction fees from B2B payment processing on the platform. The company is venture-backed, having raised approximately $60 million in Series B equity led by SoftBank Latin America Fund in February 2022, alongside earlier rounds and follow-on debt facilities — including a $150 million debt facility from Partners for Growth in October 2023 — which collectively support an expanding receivables book and continued geographic and product expansion.
Tribal firmographics
Firmographics- Name
- Tribal
- Legal name
- Tribal
- Website
- https://tribal.credit
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Tribal is a San Francisco-based fintech providing a B2B payments and financing platform for small and medium-sized businesses across more than 22 emerging markets in Latin America, combining credit offerings with payment processing infrastructure.
- Ownership category
- akta.pro rank
Tribal industry classification
Industry- Product category
- B2B Payments & Financing Platform
- NAICS
- Sales Financing (52222), Other Nondepository Credit Intermediation (52229), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
- akta.pro secondary industries
- B2B BNPL (Invoice Split/Net Terms for SMB Procurement) (FSAKACAJ), Trade & Invoice Payments (Cross-Border B2B) (FSAMAIAL), SME & Business Cross-Border Payments (B2B) (FSAMAIAB)
Keywords
Where Tribal is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Tribal business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- B2B Financing/Credit Offerings: Tribal provides credit and digital financial products to SMBs in emerging markets, generating revenue through interest on financing and credit extended to businesses.
- B2B Payments Platform: Payments and financing platform enabling B2B transactions for emerging market businesses, generating fees from payment processing and financial services.
Go-to-market motion1 record
Distribution channels1 record
Tribal product offering
Product offeringCore offering
Tribal operates an integrated B2B payments and financing platform that delivers credit offerings, working capital financing, and digital financial products to small and medium-sized businesses across emerging markets, with a primary focus on Latin America. The platform serves SMBs in 22+ countries including Brazil, Mexico, Colombia, Peru, and Chile, leveraging alternative data such as CFDI e-invoice information for SME credit underwriting. The offering combines payment processing infrastructure with embedded financing as a single integrated platform rather than a modular product suite.
Product overview
Tribal operates as a unified B2B payments and financing platform serving emerging markets in Latin America. The company provides credit offerings and digital financial products targeting SMBs across 22 countries including Brazil, Mexico, Colombia, Peru, and Chile. The platform appears to function as a single integrated offering rather than a modular product suite.
Differentiator
Problem solved
Functional benefit
Products and services
- Tribal B2B Payments and Financing Platform
Companies that use Tribal
Customer profileSegments1 record
Ideal customer profiles1 record
Tribal technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Tribal partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights5 records
Tribal competitors and assessment
Company assessmentDirect peers
- Konfío: Mexican SMB lending and payments platform serving similar underserved SMB customers with credit and digital financial products; closest direct competitor to Tribal in Mexico and core LatAm markets.
- Clara: Mexico and Brazil-based B2B payments and corporate card fintech for SMBs and enterprises; competes directly with Tribal's combined payments + credit platform model across LatAm.
- Creditas: Brazilian consumer and SMB credit platform using data-driven underwriting; comparable in terms of using alternative data to serve underserved borrowers in LatAm.
- Jeeves: LatAm cross-border payments and corporate card fintech for SMBs; directly comparable to Tribal in serving emerging-market SMBs with payments + credit offerings.
- R2: LatAm embedded finance and SMB banking infrastructure provider for B2B platforms; comparable as a B2B financial infrastructure peer serving SMBs across the region.
Broad incumbents
- dLocal: Public cross-border payments platform focused on emerging markets, particularly LatAm; broader incumbent with overlapping payments infrastructure relevant to Tribal's Paykii-led cross-border offering.
- Mercado Pago: LatAm's largest digital payments and credit platform, owned by Mercado Libre; a broad incumbent serving SMBs with payments, point-of-sale credit, and merchant financing across Tribal's target geographies.
- Kushki: LatAm payments infrastructure provider offering online, in-store, and cross-border payment processing; a broader incumbent competitor in the payments layer underlying Tribal's B2B platform.
Regional players
- Bitso: LatAm-focused crypto exchange and payments platform; relevant regional peer given Tribal's exposure to crypto-investor backers (Coinbase Ventures, Circle Ventures) and cross-border digital financial products.
Emerging players
- Pipe: US-LatAm recurring revenue financing platform for SaaS and SMBs; comparable as an alternative-data-driven SMB financing peer, though with a narrower SaaS focus than Tribal.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Tribal social profiles
Digital presenceTribal financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tribal leadership team
Management profileNumber of profiles
Profiles10 records
Tribal funding detail
Funding detailFunding overview
Funding rounds11 records
Investors23 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tribal M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tribal
What does Tribal do?
Tribal operates an integrated B2B payments and financing platform that delivers credit offerings, working capital financing, and digital financial products to small and medium-sized businesses across emerging markets, with a primary focus on Latin America. The platform serves SMBs in 22+ countries including Brazil, Mexico, Colombia, Peru, and Chile, leveraging alternative data such as CFDI e-invoice information for SME credit underwriting. The offering combines payment processing infrastructure with embedded financing as a single integrated platform rather than a modular product suite.
Is Tribal a public or private company?
Tribal is a private company. It is classified as venture growth investor backed and is currently operating.
When was Tribal founded?
Tribal was founded in 2016. It employs 101 to 250 people.
Where is Tribal based?
Tribal is headquartered in San Francisco, United States, in the North America region.
How does Tribal make money?
Two revenue lines are on record. B2B Financing/Credit Offerings are the primary driver. The others are B2B Payments Platform.
Who are Tribal's main competitors?
Direct peers on record are Konfío, Clara, Creditas, Jeeves and R2. Broad incumbents are dLocal, Mercado Pago and Kushki. Bitso is listed as a regional player. Pipe is listed as an emerging player.
Does Tribal have an API?
No public API is recorded for Tribal.
What industry is Tribal in?
Tribal's product category is B2B Payments & Financing Platform. Its primary akta.pro industry code is FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout), with a secondary code of FSAKACAJ, B2B BNPL (Invoice Split/Net Terms for SMB Procurement). Its NAICS code is 52222 and its SIC code is 6159.