CashMe SpA
- Company typePrivate
- Founded2017
- HeadquartersMantova, Italy
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
CashMe SpA firmographics
Firmographics- Name
- CashMe SpA
- Legal name
- CashMe S.p.A
- Website
- https://cashme.it
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
CashMe SpA industry classification
Industry- Product category
- Alternative Finance / Fintech Lending
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration) (FSAGAAAG)
Keywords
Where CashMe SpA is headquartered
LocationHeadquarters
- HQ city
- Mantova
- HQ country
- Italy
- HQ region
- Europe
Offices1 record
Markets served
CashMe SpA business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Invoice Trading Transaction Fees: CashMe earns a discount/take rate on each invoice traded on its platform. Sellers receive 90% of face value upfront and the remaining 10% minus the discount is paid at maturity. The discount rate depends on debtor creditworthiness and is transparently displayed before transaction. Company reports gross yield of 11.83%.
- Digital Reverse Factoring: Reverse factoring service where CashMe facilitates financing between large corporate debtors and their SME suppliers, earning fees for platform intermediation and credit assessment services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | 90% upfront, 10% at maturity |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
CashMe SpA product offering
Product offeringCore offering
CashMe SpA operates a proprietary digital invoice trading platform that enables Italian SMEs (SRL and SPA) to sell pending, unpaid commercial invoices to qualified institutional investors in exchange for immediate liquidity. All assignments are executed on a pro-soluto basis, transferring credit risk from seller to investor, with sellers receiving 90% of face value within 48 hours of debtor confirmation. The company also offers CashMe Digital Reverse, a fintech-enabled reverse factoring solution where large corporate debtors initiate programs to provide supplier liquidity.
Product overview
CashMe SpA operates as a B2B fintech platform offering two integrated products: the core Invoice Trading Platform for direct invoice trading (enabling SMEs to independently sell invoices to institutional investors for immediate liquidity) and CashMe Digital Reverse for reverse factoring (where the debtor company initiates the process to help its suppliers access liquidity). Both products operate on a pro-soluto basis, transfer credit risk to investors, and do not require additional guarantees or central risk registry reporting.
Differentiator
Problem solved
Functional benefit
Brands
- CashMe Digital Reverse: A fintech reverse factoring solution that does not require continuous invoice assignment from suppliers and involves no credit bureau reporting.
Products and services
- Invoice Trading Platform Digital marketplace enabling Italian SMEs (SRL and SPA) to sell pending, unpaid commercial invoices to qualified institutional investors in exchange for immediate liquidity, with all assignments made on a pro-soluto basis. Sellers receive 90% of face value within 48 hours of debtor confirmation. Minimum invoice size €5,000; target debtors must be SRL/SPA with at least €5 million annual revenue.
- CashMe Digital Reverse Fintech-enabled reverse factoring solution allowing large corporate debtors to initiate programs enabling their SME suppliers to obtain immediate liquidity by selling credits to institutional investors, without requiring continuous invoice assignment or central risk registry reporting.
Quantifiable outcome
- Companies receive 90% of invoice value within 48 hours of debtor confirmation
- +4 more outcomes
Companies that use CashMe SpA
Customer profileNamed customers5 records
Segments2 records
Ideal customer profiles2 records
CashMe SpA technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
CashMe SpA partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Gruppo FinservicecoreGruppo Finservice, Italy's first independent consulting company specializing in subsidized finance, completed integration with CashMe in 2019. With over 300 employees, 27,000 client companies, and €3 billion in contributions obtained, Gruppo Finservice provides CashMe with nationwide commercial presence through its consultant network. The partnership enables bidirectional exchange of knowledge, know-how, and commercial contacts, allowing activation of additional services in subsidized finance and internationalization.
- Gruppo FinservicecoreCashMe operates as a specialized invoice trading and reverse factoring platform within the Gruppo Finservice ecosystem. The partnership enables CashMe to reach customers across all of Italy through Gruppo Finservice's established consultant network, while CashMe provides Gruppo Finservice clients access to alternative financing channels.
Scale indicators9 records
Recent moves7 records
Expansion highlights5 records
CashMe SpA competitors and assessment
Company assessmentRegional players
- April (formerly Finexkap): French fintech providing invoice trading and financing to SMEs, comparable in business model to CashMe but operating primarily in the French market.
- MarketInvoice: UK-based invoice trading platform serving SMEs (now part of Intuit); shares CashMe's invoice trading business model though focused on the UK market.
Broad incumbents
- Bibby Financial Services: International factoring and invoice finance provider with strong European presence; competes with CashMe in SME working capital across multiple European geographies.
- Banca Ifis: Italian bank specialized in factoring and NPL servicing; competes with CashMe's pro-soluto invoice trading through its factoring arm while serving broader corporate banking needs.
- Centrico: Italian factoring and credit management company (formerly UniCredit factoring platform) providing traditional invoice discounting to enterprises and SMEs across Italy.
- CRIF: Major Italian credit information and credit management company; offers business information, credit decisions, and digital lending infrastructure widely used by Italian SMEs and lenders.
Emerging players
- Candex: US-based B2B payments platform with supplier financing and invoice trading capabilities; offers a relevant comparable business model though operating in the US market.
- Resolve: US B2B payments and financing platform providing invoice financing and dynamic discounting to enterprises; comparable alternative finance model with overlap in target customer segments.
Direct peers
- Workinvoice: Italian digital invoice trading platform offering pro-soluto and pro-solvendo invoice trading to SMEs; the most direct competitor to CashMe in the Italian SME invoice trading market.
- Credimi: Italian fintech providing digital SME financing including invoice advances and working capital; directly overlaps with CashMe's invoice trading model and Italian SME target market.
Market position
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
CashMe SpA social profiles
Digital presenceCashMe SpA financial estimates
Financial estimateRevenue estimate
Valuation estimate
CashMe SpA leadership team
Management profileNumber of profiles
Profiles2 records
CashMe SpA funding detail
Funding detailFunding overview
Funding rounds4 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CashMe SpA M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CashMe SpA
What does CashMe SpA do?
CashMe SpA operates a proprietary digital invoice trading platform that enables Italian SMEs (SRL and SPA) to sell pending, unpaid commercial invoices to qualified institutional investors in exchange for immediate liquidity. All assignments are executed on a pro-soluto basis, transferring credit risk from seller to investor, with sellers receiving 90% of face value within 48 hours of debtor confirmation. The company also offers CashMe Digital Reverse, a fintech-enabled reverse factoring solution where large corporate debtors initiate programs to provide supplier liquidity.
Is CashMe SpA a public or private company?
CashMe SpA is a private company. It is classified as corporate owned and is currently operating.
When was CashMe SpA founded?
CashMe SpA was founded in 2017. It employs 1 to 10 people.
Where is CashMe SpA based?
CashMe SpA is headquartered in Mantova, Italy, in the Europe region.
How does CashMe SpA make money?
Two revenue lines are on record. Invoice Trading Transaction Fees are the primary driver. The others are digital Reverse Factoring.
Who are CashMe SpA's main competitors?
Regional players on record are April (formerly Finexkap) and MarketInvoice. Broad incumbents are Bibby Financial Services, Banca Ifis, Centrico and CRIF. Emerging players are Candex and Resolve. Direct peers are Workinvoice and Credimi.
Does CashMe SpA have an API?
No public API is recorded for CashMe SpA.
What industry is CashMe SpA in?
CashMe SpA's product category is Alternative Finance / Fintech Lending. Its primary akta.pro industry code is FSAGAAAG, Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration). Its NAICS code is 52222 and its SIC code is 6153.