99 Startups

Growth ≠ Value. Cash Flow = Freedom.

Ask any founder what success looks like, and you’ll likely hear some version of this: “We’re growing fast.”

Nov 7 • 

Luis Nicolas

October 2025

Cross-Border Fintech: LATAM’s Next Big Opportunity

Latin America has long been a testing ground for financial innovation.

Oct 8 • 

Luis Nicolas

September 2025

Why Solving Lending in LATAM Is So Hard (and Still Worth It)

If the need is so huge, why is it so hard to build a sustainable lending business in LATAM?

Sep 9 • 

Luis Nicolas

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August 2025

Why Most US VCs Still Miss LATAM's Best Deals

Most people say LATAM is heating up. But when you ask founders who wrote their first check, it’s rarely a US fund.

Aug 7 • 

Luis Nicolas

1

1

July 2025

This Isn’t a Bank vs Fintech Story Anymore. Nubank’s Real Fight Is with Mercado Pago.

Traditional banks are losing ground. Fintechs are growing. But only two players: Nubank and MercadoPago, are shaping the future.

Jul 3 • 

Luis Nicolas

June 2025

The AI Boom is real, but so is the race to the bottom

We’re currently watching the rise of AI: foundation models are improving, costs are dropping, and every startup pitch deck now has “AI” stamped across…

Jun 5 • 

Luis Nicolas

May 2025

99 Startups Monthly Newsletter - May 2025

Kavak’s $127M Down Round: What It Means for LATAM VC

May 6 • 

Luis Nicolas

April 2025

99 Startups Monthly Newsletter - April 2025

How are Trump’s tariffs affecting investment in LATAM

Apr 8 • 

Luis Nicolas

March 2025

99 Startups Monthly Newsletter - March 2025

How Much Do Founders Dilute When Raising Rounds?

Mar 5 • 

Luis Nicolas

February 2025

99 Startups Monthly Newsletter - February 2025

The Latin American venture capital ecosystem showed signs of recovery in 2024, marking a 27% year-over-year (YoY) growth in funding compared to 2023.

Feb 6 • 

Luis Nicolas

January 2025

99 Startups Monthly Newsletter - January 2025

As we close the past year and our investment period at 99 Startups Fund I, we wanted to share some highlights and reflections from this remarkable…

Jan 7 • 

Luis Nicolas

December 2024

99 Startups Monthly Newsletter - December 2024

Is AI helping reduce gender inequality?

Dec 5, 2024 • 

Luis Nicolas