Cado
Cado (Cadopay) is a São Paulo-based, API-first B2B credit management and origination platform serving Brazilian companies with programmatic credit approval, recovery, and origination workflows. Founded in 2024, the company operates with 1-10 employees.
- Company typePrivate
- Founded2024
- HeadquartersSão Paulo, Brazil
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
Cado firmographics
Firmographics- Name
- Cado
- Website
- https://cadopay.app
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Cado (Cadopay) is a São Paulo-based, API-first B2B credit management and origination platform serving Brazilian companies with programmatic credit approval, recovery, and origination workflows. Founded in 2024, the company operates with 1-10 employees.
- Ownership category
- akta.pro rank
Cado industry classification
Industry- Product category
- B2B Credit Management Software
- NAICS
- Nondepository Credit Intermediation (5222), Collection Agencies (561440)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)
Keywords
Where Cado is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Markets served
Cado business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- API Access / Platform Services: B2B API-based credit management services where client companies integrate Cado's credit liberation and recovery capabilities into their operations. Revenue likely generated through API usage, subscription, or transaction-based pricing models based on credit processing volume.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels1 record
Cado product offering
Product offeringCore offering
Cadopay is a B2B credit management and origination platform that delivers credit liberation (approval) and credit recovery (collections) services for Brazilian companies. It is offered as an API-first platform, allowing client businesses to programmatically integrate credit decisioning and recovery capabilities into their own systems to increase sales through more effective, data-driven credit management.
Differentiator
Problem solved
Functional benefit
Products and services
- Cadopay
Companies that use Cado
Customer profileSegments1 record
Ideal customer profiles1 record
Cado technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Cado competitors and assessment
Company assessmentEmerging players
- Cobre: Colombian-Latin American B2B payments and treasury platform with embedded financial services. Comparable as regional emerging player offering API-first B2B financial infrastructure in Latin America.
- Kanastra: Brazilian fintech providing credit infrastructure and embedded lending-as-a-service for B2B platforms. Comparable as a Latin American emerging player in B2B credit origination infrastructure.
Broad incumbents
- Creditas: Brazilian consumer and B2B credit fintech offering secured lending, payroll-deductible loans, and credit solutions. Larger incumbent with broader credit offerings but comparable focus on Brazilian credit infrastructure.
- BlueVine: US-based B2B banking and credit platform offering working capital lines and credit to SMBs. Broader incumbent with comparable B2B credit decisioning and recovery focus through an online platform.
Direct peers
- Fundbox: B2B credit and working capital platform using data-driven underwriting to provide short-term credit to SMBs. Comparable in using API/technology to automate B2B credit origination and recovery decisions.
- Tradeshift: Global B2B marketplace and embedded finance platform offering credit, payments, and financing integrated into supply chain workflows. Comparable in providing API-first B2B credit and financial infrastructure to enterprises.
- TreviPay: B2B credit and payments platform offering embedded credit decisioning, invoicing, and collections for enterprise buyers and suppliers. Directly comparable API-first B2B credit management and recovery product.
- Kredito: Brazilian B2B lending and credit platform providing working capital and credit origination to SMEs. Closest direct competitor targeting the same Brazilian B2B credit decisioning workflow that Cado addresses.
- Resolve (now part of Billie): B2B credit and net terms financing platform for B2B transactions. Comparable in providing API-driven credit decisioning and recovery for B2B commerce workflows.
Regional players
- Conta Simples: Brazilian B2B fintech offering corporate accounts, credit, and financial management for SMEs. Comparable as Brazilian B2B financial infrastructure player addressing similar mid-market customers.
Market position
Customer concentration
Cado financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cado leadership team
Management profileNumber of profiles
Cado funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cado 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 Cado
What does Cado do?
Cadopay is a B2B credit management and origination platform that delivers credit liberation (approval) and credit recovery (collections) services for Brazilian companies. It is offered as an API-first platform, allowing client businesses to programmatically integrate credit decisioning and recovery capabilities into their own systems to increase sales through more effective, data-driven credit management.
Is Cado a public or private company?
Cado is a private company. It is classified as venture growth investor backed and is currently operating.
When was Cado founded?
Cado was founded in 2024. It employs 1 to 10 people.
Where is Cado based?
Cado is headquartered in São Paulo, Brazil, in the Latin America region.
How does Cado make money?
One revenue line is on record: API Access / Platform Services.
Who are Cado's main competitors?
Emerging players on record are Cobre and Kanastra. Broad incumbents are Creditas and BlueVine. Direct peers are Fundbox, Tradeshift, TreviPay, Kredito and Resolve (now part of Billie). Conta Simples is listed as a regional player.
Does Cado have an API?
Yes. Cado provides an API for credit management and origination in the B2B market. The platform allows companies to utilize data for more effective credit management and origination, enabling increased sales through programmatic access to credit decisioning and recovery services. Developer documentation is at cadopay.app/docs.
What industry is Cado in?
Cado's product category is B2B Credit Management Software. Its primary akta.pro industry code is FSAKAJAH, Credit Counseling & Debt Management Plans (DMP). Its NAICS code is 5222 and its SIC code is 7320.