Capim Raises $26M to Implement “Buy Now, Pay Later” in the Dental Sector in Brazil

Capim, a startup that combines buy now, pay later (BNPL) with payment machines, targeting dental services in Brazil, has just raised a $26 million Series A round.

About the investment

The investment was led by Valor Capital and QED Investors funds, with participation from existing investors such as ONE.VC, Canary, NXTP, Endeavor, Saison and Actyus, the latter led by Creditas CEO Sérgio Furio.

With the new capital, Capim plans to launch a POS terminal to offer lower discount rates to clinics, integrated with its SaaS financial module. This will allow dentists to accept payments via credit card, debit card, and PIX.

In addition, the company is developing artificial intelligence tools to make clinical management more efficient.

Founded in 2021 by Marcelo Lutz and Roberto Biselli, Capim defines itself as a software company specialized in the dental sector, delivering a type of ERP dedicated to clinics, with solutions ranging from scheduling to payment and credit.

Capim services

Since its inception, Capim has helped more than 60,000 people access dental care. By 2024, the company’s revenue had tripled and its client base had grown to 6,000 clinics, with expectations of reaching 10,000 by the end of the year. Although not yet profitable, the startup is expected to break even by the end of 2023.

According to Roberto Bisselli, one of the platform’s distinguishing features is the ability to pay in up to 36 installments.

“Unlike credit card payments, which have limits on the amount and number of installments, our solution offers greater flexibility, allowing payments in up to 36 installments,” said the co-founder.

Other companies also operate under the BNPL model, such as Koin and Qista, which offer installment payment options in various sectors. Other players, such as the fintech Finanzero, have segmented brands like Finnsaúde, which focuses on credit products for customers’ medical needs.

However, Capim stands out for its exclusive focus on dentistry, a segment where the cost of consultations and procedures remains an obstacle for many patients. Furthermore, the startup claims its interest rates are 50% lower than those of traditional banks.

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(Featured image by Davi Costa via Unsplash)

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