Kiwi, a healthcare financial services platform based in Miami, has officially launched, announcing a US$10 million seed funding round.
Aimed at addressing the healthcare financing gap in Latin America, the platform supports both patients seeking access to care and healthcare professionals looking to expand their services.
More than just a “buy now, pay later” service, Kiwi provides a full banking solution.
This includes leasing products for healthcare professionals investing in new technology and financial tools that assist with cash flow management.
The funding round comprises US$2 million in pre-seed equity and US$8 million in debt financing, initially targeting operations in Peru, with plans to extend into Mexico.
Lead investors include Tyler Johnson, CEO at HFD and General Partner at MVRK Capital; Beau Woodward, Director at HFD and also a General Partner at MVRK Capital and WDC Genesis; and Jacob Panero, Managing Partner at MVRK Capital and WDC Genesis.
All three will serve on Kiwi’s board of directors. HFD, a major healthcare financier in the US, is expected to support Kiwi’s expansion in Latin America.
Founded by Sebastian and Gabriel Chirinos, Kiwi seeks to provide financial solutions in a region where low public healthcare spending and limited private insurance options force many patients to rely on out-of-pocket payments or informal lending.
“In Latin America, there’s a US$60 billion out-of-pocket market, a US$20 billion medical equipment market, and providers lose up to a third of patients due to lack of financing,”
said Sebastian Chirinos.
“Kiwi is built to address these clear market inefficiencies and unlock access to healthcare across Latin America.”
Kiwi offers a two-sided model: patients can access manageable financing for medical services, while clinics benefit from improved revenue and access to capital for equipment and infrastructure upgrades.
The platform’s machine learning-based risk model blends traditional credit data with health-specific variables, offering a more relevant credit assessment for healthcare lending.
“We are diligently working to improve the healthcare landscape in Latin America by providing innovative financial solutions that bridge the gap between patients and providers,”
said Gabriel Chirinos.
Kiwi is currently operational in Peru, where it has partnered with 73 clinics across specialities such as dental care, ophthalmology, fertility, and aesthetics.
A further 150 clinics are expected to join the network in the coming months. Expansion to Mexico is scheduled for early 2026 through a joint venture with a local healthcare group active in both the domestic sector and US medical tourism.
The company also has its sights set on Central America, with plans to enter markets in Panama, the Dominican Republic, Guatemala, and El Salvador.
“We are launching Kiwi to address the urgent need for accessible and affordable healthcare financing in Latin America,”
said Daniella Poppe, CEO of Kiwi Peru.
“Our platform provides real-time, tech-enabled solutions that empower patients to access life-changing care while enabling healthcare providers to scale their impact.”
Featured image credit: Kiwi
