F360
F360 is a Brazilian SaaS company founded in 2014 that provides multi-company financial management, card reconciliation, and franchise network dashboards to small and medium retailers, serving 17,000+ clients and 17,000+ points of sale.
- Company typePrivate
- Founded2014
- HeadquartersSão Paulo, Brazil
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What F360 does
F360 is a Brazilian SaaS company founded in 2014 and headquartered in São Paulo that provides financial management software to small and medium-sized retailers and franchise networks. Its core product, F360 Finanças, centralizes multi-company (multi-CNPJ) cash flow control, automated card-acquirer reconciliation (the "Recuperômetro" anomaly-detection feature), accounts payable/receivable, DRE/income-statement automation, and Open Finance bank reconciliation across multiple stores, brands and sales channels. The platform extends through modular add-ons: F360 Painel for franchisor network dashboards and standardized DRE/DFC reporting, F360 Educa for education and mentoring, F360 Contábil for accounting workflows, F360 Antecipa for receivables anticipation, F360 Store for store management, and F360 Performance for analytics.
Underlying the product is an integration layer of 540+ POS systems, 150+ card acquirers, the SEFAZ tax authority, food delivery platforms (iFood, Rappi, Uber Eats), meal voucher providers, Open Finance connections, and TOTVS ERP. F360 monitors R$41 billion+ in transactions across 17,000+ clients and 17,000+ points of sale, with R$200 million+ in client card-reconciliation recoveries reported between 2022 and 2025. The business model is subscription-based with tiered pricing by number of CNPJs, distributed through direct sales (website demos and WhatsApp), a certified partner channel of BPOs, accountants, financial consultants and software resellers, and a client referral program (Indique F360). The company has raised R$50 million from HiPartners and HIX Capital (August 2021), acquired Lupa (2021) and FFCube (February 2022), and operates exclusively within Brazil.
F360 firmographics
Firmographics- Name
- F360
- Legal name
- P2CR Serviços de Informatica S/A
- Website
- https://f360.com.br
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- F360 is a Brazilian SaaS company founded in 2014 that provides multi-company financial management, card reconciliation, and franchise network dashboards to small and medium retailers, serving 17,000+ clients and 17,000+ points of sale.
- Ownership category
- akta.pro rank
F360 industry classification
Industry- Product category
- Retail Financial Management Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Reconciliation, Ledgering & Money Movement Ops (Sub-ledgers, Settlement, Reporting) (FSAGALAL)
- akta.pro secondary industries
- Intercompany & Consolidation Support (Eliminations, Group Reporting Support) (BPAAAGAG), Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)
Keywords
Where F360 is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
F360 business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Subscription: Monthly/annual subscription for access to F360 Finanzas platform with different plans based on number of CNPJs (companies). Pricing tiers include discounts: 50% OFF for 1-3 CNPJs, 75% OFF for 4-10 CNPJs, full exemption for 11+ CNPJs.
- F360 Educa Education Platform: Included with F360 Finanzas subscription; offers courses, workshops, and personalized mentoring for financial management education. Additional paid workshops and in-company training available.
- Open Finance Add-on: Separate paid service for automated bank statement reconciliation through Open Finance, contracted after F360 Finanzas subscription.
- F360 Panel: Franchise network management dashboard requiring existing F360 Finanzas subscription, providing centralized visibility across franchisees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Promotional setup pricing with tiered discounts based on number of CNPJs |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
F360 product offering
Product offeringCore offering
F360 sells a cloud-based SaaS financial management platform for small and medium retailers, multi-store franchisees, and franchise franchisors in Brazil. The core F360 Finanças product automates card reconciliation with acquirers, multi-company cash flow control, accounts payable/receivable management, DRE (Income Statement) generation, and bank statement reconciliation through Open Finance. The platform extends with specialized modules — F360 Painel for franchisor network dashboards, F360 Educa for financial education, F360 Antecipa for receivables anticipation, and F360 Contábil for accounting integration — and connects to 540+ POS systems and 150+ payment acquirers.
Product overview
F360 is a multi-module financial management platform targeting small and medium retailers and franchise networks in Brazil. The core offering is F360 Finanças, which provides card reconciliation, cash flow management, accounts payable/receivable, DRE reporting, and multi-company support. The platform extends through specialized modules: F360 Painel for franchisor network oversight and standardized reporting, F360 Educa for financial education and training, F360 Antecipa for receivables anticipation, F360 Contábil for accounting integration, and Open Finance for bank reconciliation. The portfolio also includes a referral program (Indique F360) and educational content around tax reform. The platform integrates with 540+ POS systems, 150+ payment acquirers, and supports Open Banking connections.
Differentiator
Problem solved
Functional benefit
Brands
- F360 Finanças: Core financial management platform offering card reconciliation, cash flow control, accounts payable/receivable, DRE, and integrations with PDVs and acquirers.
- F360 Educa
- F360 Painel
- F360 Contábil
- F360 Store
- Lupa
Products and services
- F360 Finanças Core cloud-based SaaS platform that automates card reconciliation, accounts payable/receivable, DRE (Income Statement) generation, cash flow control, and bank reconciliation across multiple CNPJs (companies) for SMB retailers and franchisees. Includes the proprietary Recuperômetro anomaly detection engine that recovers R$200 million+ in card acquirer discrepancies.
- F360 Painel Centralized dashboard for franchise networks that consolidates financial data across franchisees, standardizes DRE/DFC reporting, enables cluster management by location, sector or revenue, and provides customizable views for franchise performance monitoring.
- F360 Educa Financial education platform offering online courses, workshops, and personalized mentoring on cash flow management, DRE preparation, accounting tips, and financial education for retailers, franchisees, and certified partners.
- F360 Antecipa Receivables anticipation service that allows businesses to receive future payments in advance.
- F360 Contábil Accounting module that centralizes financial data for accountants, monitors pending items and tax credits using AI support, and provides standardized reports for multi-store operations.
Quantifiable outcome
- R$200 million+ recovered by clients through card reconciliation (2022-2025)
- +6 more outcomes
Companies that use F360
Customer profileNamed customers29 records
Segments7 records
Ideal customer profiles3 records
F360 technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration21 records
AI capability5 records
Feature8 records
F360 partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered minor and core.
- InovabraminorF360 entered the Inovabra ecosystem in 2018, gaining access to mentorship, networking, and acceleration resources for startups.
- PDV Integrations (540+)coreIntegration partnerships with over 540 point-of-sale (POS) systems enabling automatic sales data synchronization for financial reconciliation.
- Card Acquirer Integrations (150+)coreIntegration with 150+ card acquirers including Cielo, PagSeguro, Stone, Getnet, Mercado Pago, and others for automated transaction reconciliation.
- SEFAZ (Tax Authority)coreIntegration with Brazilian state tax authorities (SEFAZ) for automatic capture of electronic invoices (NF-e) to populate accounts payable.
- BNDESminorPartnership with BNDES (Brazilian Development Bank) as a partner/sponsor, appearing on the website footer as a supported initiative.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
F360 competitors and assessment
Company assessmentDirect peers
- Conta Azul: Brazilian SaaS platform for SMB financial management, including cash flow, billing, and DRE. Directly comparable as it serves the same SMB Brazilian retailer/SME segment with overlapping financial management features.
- Omie: Brazilian cloud ERP and financial management platform for SMBs and accountants. Comparable due to overlapping financial management, multi-entity, and BPO/accountant ecosystem go-to-market.
- Bling: Brazilian SMB-focused ERP and financial management SaaS with strong e-commerce integrations. Comparable as a competing platform for small Brazilian retailers managing finances, stock, and invoicing.
Broad incumbents
- Linx (Stone Co.): Brazilian retail management software platform acquired by StoneCo. Comparable as a retail-focused financial and POS management suite with deep acquirer integration, now bundled with Stone payments.
- TOTVS: Largest Brazilian enterprise software company offering ERP, financial management, and retail solutions. Comparable as an incumbent providing financial management software to SMB and mid-market retail, and already an integration partner with F360.
- QuickBooks (Intuit): Global SMB accounting and cash flow management SaaS. Comparable in core financial management functionality (DRE-equivalent P&L, cash flow, AP/AR) for the same SMB buyer persona.
- Xero: Global cloud accounting platform for SMBs with cash flow, reconciliation, and AP/AR features. Functionally comparable to F360 Finanças on the core accounting/reconciliation layer.
- StoneCo: Brazilian payments acquirer that has vertically integrated into SMB software via Linx and Ton. Comparable as both an integration partner of F360 and a potential competitor bundling financial management with payments.
Emerging players
- Agilize: Brazilian BPO + accounting SaaS hybrid serving SMBs. Comparable via shared BPO/accountant distribution channel and overlap in financial management automation for the SMB segment.
- Pluggy: Brazilian Open Finance infrastructure provider. Comparable as both a potential infrastructure partner (F360 uses Open Finance for bank reconciliation) and as an emerging enabler of embedded financial management.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
F360 social profiles
Digital presenceF360 compliance and trust
Trust signalCompliance3 records
F360 financial estimates
Financial estimateRevenue estimate
Valuation estimate
F360 leadership team
Management profileNumber of profiles
Profiles4 records
F360 funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
F360 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 F360
What does F360 do?
F360 sells a cloud-based SaaS financial management platform for small and medium retailers, multi-store franchisees, and franchise franchisors in Brazil. The core F360 Finanças product automates card reconciliation with acquirers, multi-company cash flow control, accounts payable/receivable management, DRE (Income Statement) generation, and bank statement reconciliation through Open Finance. The platform extends with specialized modules — F360 Painel for franchisor network dashboards, F360 Educa for financial education, F360 Antecipa for receivables anticipation, and F360 Contábil for accounting integration — and connects to 540+ POS systems and 150+ payment acquirers.
Is F360 a public or private company?
F360 is a private company. It is classified as venture growth investor backed and is currently operating.
When was F360 founded?
F360 was founded in 2014. It employs 101 to 250 people.
Where is F360 based?
F360 is headquartered in São Paulo, Brazil, in the Latin America region.
How does F360 make money?
Four revenue lines are on record. SaaS Subscription is the primary driver. The others are F360 Educa Education Platform, open Finance Add-on and F360 Panel.
Who are F360's main competitors?
Direct peers on record are Conta Azul, Omie and Bling. Broad incumbents are Linx (Stone Co.), TOTVS, QuickBooks (Intuit), Xero and StoneCo. Emerging players are Agilize and Pluggy.
Does F360 have an API?
No public API is recorded for F360.
What industry is F360 in?
F360's product category is Retail Financial Management Software. Its primary akta.pro industry code is FSAGALAL, Reconciliation, Ledgering & Money Movement Ops (Sub-ledgers, Settlement, Reporting), with a secondary code of BPAAAGAG, Intercompany & Consolidation Support (Eliminations, Group Reporting Support). Its NAICS code is 522320 and its SIC code is 6199.