Key LatAm FinTech investment stats in Q4 2025:
- LatAm FinTech investments halved YoY in Q4 2025
- Average deal value dropped by 59% to $11.8m as investors grew cautious
- Bold, a Colombia-based SME-focused payments and financial services FinTech providing digital payments and business management tools, completed one of the biggest LatAm FinTech deals of the quarter after raising $40m in a funding round
LatAm FinTech investments halved YoY in Q4 2025
In Q4 2025, the Latin American FinTech sector experienced mixed performance in deal activity and funding compared to the same quarter last year.
A total of 34 deals were recorded in Q4 2025, representing a 10% increase from the 31 deals completed in Q4 2024.
Funding, however, declined notably, with FinTech firms raising $400.8m in Q4 2025 – a 55% decrease from the $886.2m raised in Q4 2024.
This divergence between rising deal activity and falling funding suggests investors were deploying capital more selectively across a larger number of smaller transactions YoY.
When comparing Q3 2025 to Q4 2025, deal volume declined from 40 to 34 deals, marking a 15% QoQ decrease.
However, total funding in Q4 2025 dropped by 30% from $572m in Q3 2025, indicating an overall contraction in capital deployment alongside lower deal activity.
This suggests investors became more cautious towards the end of the period, reducing both cheque sizes and transaction frequency across the region.
Average deal value dropped by 59% to $11.8m as investors grew cautious
The average deal value in Q4 2025 was $11.8m, representing a 17% decrease from the $14.3m average in Q3 2025 and a significant 59% decrease from the $28.6m average in Q4 2024.
This continued decline in average deal size reflects a shift towards smaller transactions, suggesting investors are prioritising capital preservation and focusing on lower-risk or earlier-stage opportunities amid ongoing market uncertainty.
Bold, a Colombia-based SME-focused payments and financial services FinTech providing digital payments and business management tools, completed one of the biggest LatAm FinTech deals of the quarter after raising $40m in a funding round
Which was led by General Atlantic with participation from Cóndor Inverlink, InQlab and IFC.
Founded in 2019, the company is focused on accelerating the transition of small and medium-sized businesses from cash-based operations to fully digital financial ecosystems, and today supports nearly 200,000 active monthly users through integrated payment processing, remote payments and embedded financial services infrastructure.
The new capital will be used to strengthen operations in Colombia and accelerate regional expansion across Latin America, following the acquisition of Peru-based payments platform VendeMás and the launch of personal savings products to broaden financial inclusion.
The investment further positions Bold as a key digital infrastructure provider supporting SME digitisation across the region as demand grows for scalable, cloud-based financial services platforms tailored to emerging market business ecosystems.
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