CashGo
CashGo is a Brazilian fintech that lets property owners receive up to 24 months of rent in advance and real estate agents monetize sales commissions immediately, distributed digitally and via a network of over 1,000 partner real estate agencies.
- Company typePrivate
- Founded2021
- HeadquartersSão Paulo, Brazil
- Headcount11–50
- GTM typeB2C
- OfferingServices
What CashGo does
CashGo (legal entity Antecipa Soluções Financeiras e Tecnologia Ltda) is a Brazilian fintech founded in late 2021 and headquartered in São Paulo. The company operates a digital credit platform that allows property owners (locadores) to receive up to 24 months of future rental income in advance, disbursed within 24 hours via PIX, and enables real estate sales agents (corretores) to monetize commissions immediately upon contract signing. Products are structured as cessão de recebíveis (receivables assignment) rather than traditional loans, which avoids property liens, excludes IOF taxation, and does not consume the borrower's central-bank credit limits.
The platform runs on automated credit-scoring models and integrates fraud-detection signals from Boa Vista, Serasa Experian, and the Banco Central do Brasil's SCR system. It also connects with major real estate management ERPs to embed the offering into the daily workflow of partner agencies. Distribution is hybrid: a self-serve digital channel for property owners and agents, plus a B2B2C channel of more than 1,000 partner real estate agencies (imobiliárias) across Brazil who refer clients and earn commission per transaction.
The business model is transaction-fee based, with take rates varying by credit profile, contract duration, and rental amount. As of April 2026 the company has advanced over R$200 million cumulatively, serves more than 250,000 property owners, and operates with a team of 11–50 employees. Its R$120 million FIDC structured with Banco XP, Augme Capital, Arx Investimentos, and RBR Asset Management funds a stated goal to grow tenfold over three years within a R$350 billion Brazilian residential rental market.
CashGo firmographics
Firmographics- Name
- CashGo
- Legal name
- Antecipa Solucoes Financeiras e Tecnologia Ltda
- Website
- https://cashgo.com.br
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CashGo is a Brazilian fintech that lets property owners receive up to 24 months of rent in advance and real estate agents monetize sales commissions immediately, distributed digitally and via a network of over 1,000 partner real estate agencies.
- Ownership category
- akta.pro rank
CashGo industry classification
Industry- Product category
- Consumer Lending / Real Estate Fintech
- NAICS
- Sales Financing (52222), Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Cash Advance (Online & Storefront) (FSAKAMAC)
Keywords
Where CashGo is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
CashGo business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Supply Chain
Revenue model
- Rental Anticipation Transaction Fees: CashGo earns revenue through transaction fees (cessão de recebíveis) charged on each rental anticipation operation. The company retains a percentage of the anticipated amount as its service fee, calculated based on the credit profile of each user and the contracted advance period. Real estate agencies also receive commission for each anticipation performed through their platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Pay-per-transaction model based on rental amount and credit profile |
| Transaction based/ take rate | Pay-as-you-go | Commission-based revenue share for real estate agency partners |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
CashGo product offering
Product offeringCore offering
CashGo operates a digital credit platform that allows property owners to anticipate up to 24 months of future rental income and real estate sales agents to anticipate earned commissions, with funds disbursed within 24 hours via PIX. The product is structured as a receivables assignment (cessão de recebíveis) rather than a traditional loan, eliminating the need for property alienation and avoiding impact on the borrower's central-bank credit limits, with IOF tax exemption. Distribution is primarily through a network of partner real estate agencies that earn commission per transaction.
Product overview
CashGO operates as a digital credit platform for the Brazilian real estate ecosystem, offering two core products: Antecipação de Aluguel (rent advance) and Antecipação de Comissão de Venda (sales commission advance). These products are delivered through a partnership model with real estate agencies, enabling property owners to receive up to 24 months of future rent in advance and agents to receive commissions immediately upon contract signing. The platform uses a receivables transfer mechanism rather than traditional lending, eliminating property liens and offering rates below traditional credit markets. All services are 100% digital with disbursement within 24 hours.
Differentiator
Problem solved
Functional benefit
Products and services
- Antecipação de Aluguel CashGo's primary product allowing Brazilian property owners to receive up to 24 months of future rent payments in advance, disbursed within 24 hours via PIX. The product uses the rental contract as the basis for credit, structured as a receivables assignment (cessão de recebíveis) with no property lien or alienation required. Monthly installments are automatically deducted from future rental payments until the advanced amount is fully repaid. The offering targets individuals who need immediate liquidity from rental income without resorting to high-cost personal loans or home equity products.
- Antecipação de Comissão de Venda A service for individual real estate agents (corretores) to receive their earned sales commissions immediately upon contract signing, rather than waiting the standard 30, 60, or 90 days for agency payout. Disbursement occurs within 24 hours via PIX with a 100% digital process, no income verification required, and transparent rates. Targets commission-based real estate sales professionals needing immediate liquidity to reinvest in new business opportunities.
Quantifiable outcome
- Over R$200 million in rental anticipations processed since 2021
- +5 more outcomes
Companies that use CashGo
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles3 records
CashGo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature3 records
CashGo partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Real Estate Management ERP ProviderscoreCashGo integrates its platform with major real estate management ERP (Enterprise Resource Planning) systems used by partner agencies. This integration facilitates seamless adoption, automated data synchronization, and efficient workflow management for real estate agencies offering rental anticipation services.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
CashGo competitors and assessment
Company assessmentBroad incumbents
- QuintoAndar: Brazilian residential rental marketplace and property management platform that interfaces with landlords and tenants at scale. Overlaps with CashGo on the rental ecosystem customer base and could either partner or compete in landlord financial services.
- Banco Inter: Brazilian digital bank offering consumer credit, payroll loans, and real estate financing. Comparable in offering digital consumer credit products in Brazil, with substantially larger balance sheet and could expand into rental receivables.
- Loft: Brazilian real estate technology platform serving property buyers, sellers, and owners. Comparable in operating in the Brazilian real estate owner ecosystem and having extended into adjacent financial services for property owners.
- Nubank: Latin America's largest digital bank with consumer credit products and growing real estate offerings. Comparable as Brazilian consumer credit fintech at scale; potential competitive threat if it expands into rental receivables.
- Banco PAN: Brazilian bank specializing in consumer credit, payroll loans, and vehicle financing. Comparable as Brazilian credit institution with cash advance and consumer credit offerings, and CashGo advisor José Luiz Acar was previously CEO.
- Creditas: Brazil's largest home equity and secured-credit fintech, offering property-backed loans and receivables-based credit to consumers. Directly comparable business model of using real estate collateral to extend credit, with CashGo's co-founder Carolina Valdes having previously launched products at Creditas.
Regional players
- Klar: Mexican consumer fintech offering credit and cash advance products. Comparable as a Latin American digital lender targeting consumer liquidity needs with non-traditional underwriting, though CashGo is more niche in rental receivables.
- Trussle: UK-based rental mortgage and tenant services platform. Comparable product concept of helping landlords access equity or rental income early, though operating in a different (UK) regulatory and mortgage market.
Emerging players
- Noah (formerly Easynvest): Brazilian digital investment platform that has expanded into credit and consumer finance products. Comparable as a Brazilian fintech leveraging technology to offer consumer credit, though focused on investment-linked products.
- Z1 (formerly Zen Finance): Brazilian teen banking and credit fintech offering digital credit products to young consumers. Comparable in being a Brazilian digital credit platform, though serving different demographic.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
CashGo social profiles
Digital presenceCashGo financial estimates
Financial estimateRevenue estimate
Valuation estimate
CashGo leadership team
Management profileNumber of profiles
Profiles3 records
CashGo funding detail
Funding detailFunding overview
Funding rounds2 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CashGo 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 CashGo
What does CashGo do?
CashGo operates a digital credit platform that allows property owners to anticipate up to 24 months of future rental income and real estate sales agents to anticipate earned commissions, with funds disbursed within 24 hours via PIX. The product is structured as a receivables assignment (cessão de recebíveis) rather than a traditional loan, eliminating the need for property alienation and avoiding impact on the borrower's central-bank credit limits, with IOF tax exemption. Distribution is primarily through a network of partner real estate agencies that earn commission per transaction.
Is CashGo a public or private company?
CashGo is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CashGo founded?
CashGo was founded in 2021. It employs 11 to 50 people.
Where is CashGo based?
CashGo is headquartered in São Paulo, Brazil, in the Latin America region.
How does CashGo make money?
One revenue line is on record: rental Anticipation Transaction Fees.
Who are CashGo's main competitors?
Broad incumbents on record are QuintoAndar, Banco Inter, Loft, Nubank, Banco PAN and Creditas. Regional players are Klar and Trussle. Emerging players are Noah (formerly Easynvest) and Z1 (formerly Zen Finance).
Does CashGo have an API?
No public API is recorded for CashGo.
What industry is CashGo in?
CashGo's product category is Consumer Lending / Real Estate Fintech. Its primary akta.pro industry code is FSAKAMAC, Cash Advance (Online & Storefront). Its NAICS code is 52222 and its SIC code is 6153.