CashMe

What CashMe does

CashMe is a Brazilian fintech founded in 2018 as a subsidiary of Grupo Cyrela, one of Brazil's largest publicly listed real estate developers. The company specializes in credit products secured by real estate, with its core offering being the Home Equity loan (Empréstimo com Garantia de Imóvel), under which borrowers can access up to 60% of the value of a property — including unfinished, third-party, or still-financed properties — for amounts ranging from R$ 50,000 to R$ 25 million, terms up to 240 months, and grace periods up to 3 months. The portfolio extends beyond home equity to solar energy financing, construction financing, real estate acquisition (SFI), condominium credit, business and working capital loans, debt consolidation, renovation, and self-employed borrower products. Customers include individual homeowners, self-employed borrowers, SMEs, and condominium associations across all five Brazilian regions. Pricing is per-case and is not published; the company claims rates up to 12x lower than traditional credit lines through the property-backed guarantee structure.

The company operates a fully digital, end-to-end platform combining an online simulation tool (roughly three-minute preliminary estimate of loan amount and terms) with digital document capture, electronic signature, and contract execution. Application intake runs through the website simulator and is followed by human financial specialist outreach via WhatsApp and phone, reflecting a digital-first but high-touch intermediation model. CashMe also distributes through the CashMember partner program, which engages financial advisors, real estate agents, solar installers, accountants, security firms and credit correspondents as commission-based referrers operating across more than 400 Brazilian cities. Marketing is reinforced by an extensive SEO-oriented blog, financial calculators, organic social media presence on Instagram, Facebook, LinkedIn, YouTube and TikTok, and the Construcast podcast co-produced with OLX and Infomoney.

CashMe does not lend from its own balance sheet. It operates as a Correspondente Bancário under Brazilian National Monetary Council Resolution 4.935 (July 2021), intermediating credit originated by BMP Sociedade de Crédito Direto S/A and OXY Companhia Hipotecária, which act as the actual creditors. Revenue is therefore commission-based rather than net interest margin, with the commercial risk of borrower default and the funding obligation sitting with the partner institutions. As a privately held subsidiary of Grupo Cyrela, CashMe is funded through its parent rather than external institutional investors; since inception it reports more than R$ 6 billion in originated credit across 9,000+ contracts, with operations spanning more than 3,000 municipalities nationwide.

Name

CashMe

Legal name

CASHME SOLUÇÕES FINANCEIRAS S.A.

Website

https://cashme.com.br

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

CashMe is a Brazilian fintech subsidiary of Grupo Cyrela offering digital home equity loans and other real estate-secured credit products. It operates as a Correspondente Bancário intermediating credit from partner financial institutions across more than 3,000 Brazilian cities.

Ownership category

akta.pro rank

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Others

Revenue model

1. Correspondente Bancário Commission: CashMe acts as a Correspondente Bancário (Banking Correspondent) under Resolution nº 4.935 of the Brazilian National Monetary Council (CMN). It earns commissions on credit operations originated through its platform on behalf of partner financial institutions. The company does not directly lend to customers; instead it intermediates loans originated by BMP Sociedade de Crédito Direto S/A and OXY Companhia Hipotecária, which are the actual creditors.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

CashMe is a Brazilian fintech that intermediates real-estate-secured credit products (Home Equity and related lending lines) through a 100% digital platform. As a Correspondente Bancário under CMN Resolution 4.935, it originates credit on behalf of partner financial institutions BMP Sociedade de Crédito Direto S/A and OXY Companhia Hipotecária, offering loans from R$ 50,000 to R$ 25 million with up to 240-month terms. The product portfolio serves individuals, self-employed borrowers, businesses, and condominiums with property-backed lending at interest rates stated to be up to 12x lower than conventional credit lines.

Product overview

CashMe is a Brazilian fintech specializing in credit products secured by real estate (Home Equity). The company's portfolio centers on its core Empréstimo com Garantia de Imóvel product, which serves both individuals and businesses by using property as collateral to offer significantly lower interest rates than traditional credit. The product suite includes specialized variants for working capital (Empréstimo para Capital de Giro), business investment (Empréstimo para Empresa), solar energy financing (Financiamento para Energia Solar), construction financing (Financiamento para Construção), real estate acquisition (Financiamento Imobiliário SFI), condominium improvements (Empréstimo para Condomínio), renovation loans (Empréstimo para Reforma), debt portability (Portabilidade de Dívidas), self-employed individuals (Empréstimo para Autônomo), and a free online simulation tool. The company operates as a Correspondent Bank for financial institutions BMP Sociedade de Crédito Direto S/A and OXY Companhia Hipotecária, and is a subsidiary of Grupo Cyrela.

Differentiator

Problem solved

Functional benefit

Products and services

• Empréstimo com Garantia de Imóvel (Home Equity) Primary credit product using real estate as collateral, allowing borrowers to access up to 60% of their property value at interest rates stated to be up to 12x lower than traditional credit, with terms up to 240 months and up to 3-month grace periods.
• Financiamento para Energia Solar Financing for solar energy system installation, available for residential, commercial, and condominium properties, with 100% of the solar project financed, up to 90 months to pay, and up to 3 months grace period.
• Financiamento Imobiliário (SFI) Real estate financing under the Brazilian SFI system for acquiring new or used residential and commercial properties, with financing from R$ 50,000 and minimum property value of R$ 300,000, up to 240 months (SAC) or 144 months (Price).
• Financiamento para Construção Construction financing allowing credit release of up to 50% of the finalized property value, disbursed in tranches aligned with construction progress, with up to 240 months repayment and 3 months grace period.
• Empréstimo para Empresa Business credit product using real estate as collateral, offering R$ 50,000 to R$ 25 million for companies, with flexible income composition and rapid disbursement.
• Empréstimo para Capital de Giro Working capital credit product for businesses using real estate collateral to provide favorable terms for debt consolidation and operational cash flow.
• Empréstimo para Condomínio Credit product for condominiums enabling building improvements, solar energy installation, remote reception services, and renovations, with no guarantor required, up to 90 months repayment, and 3 months grace period.
• Empréstimo Online 100% digital loan product for quick credit access, with amounts starting from R$ 50,000, terms up to 240 months, and credit analysis completed within 2 days.
• Empréstimo para Autônomo Credit product designed for self-employed individuals who have difficulty proving formal income, allowing use of bank statements or tax returns as income documentation.
• Empréstimo para Reforma Renovation credit product allowing property owners to access funds for home improvements, with credit released directly to the borrower's account for materials and labor expenses.
• Portabilidade de Dívidas Debt portability/refinancing product allowing borrowers to consolidate expensive debts into a single lower-interest loan using real estate as collateral.

Quantifiable outcome

• Interest rates up to 12x lower than conventional credit lines for home equity borrowers
• +5 more outcomes

Named customers3 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered flagship and core.

• OLXflagshipStrategic or Co-development PartnerOLX is a co-producer of the Construcast podcast alongside CashMe and Infomoney. This joint content initiative positions OLX as a strategic media partner in the real estate ecosystem, bringing together real estate classifieds and home equity credit for cross-promotional benefit.
• InfomoneyflagshipStrategic or Co-development PartnerInfomoney is a co-producer of the Construcast podcast alongside CashMe and OLX. As Brazil's leading financial media outlet, Infomoney provides editorial credibility and audience reach for the podcast, which features interviews with top real estate industry executives.
• CashMember Partners (Channel Partners)coreChannel Partner/ Reseller/ DistributorCashMember is CashMe's partner program encompassing financial advisors, credit correspondents, real estate agents, property administrators, solar companies, security companies, accountants, and other professionals who refer credit customers in exchange for commissions. Partners operate in 400+ cities across Brazil and access the CashMember portal for real-time simulations and proposal management.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Creditas: Brazilian fintech specializing in home equity, auto-collateralized and payroll-deductible loans. Direct competitor to CashMe in the online secured consumer credit segment in Brazil, with similar product set, customer base, and correspondent/digital origination model.
• Bcredi: Brazilian fintech focused exclusively on home equity and real-estate-secured credit for individuals and businesses. Competes head-to-head with CashMe on digital simulation, online origination, and collateral-based consumer lending in Brazil.

Broad incumbents

• Banco PAN: Brazilian commercial bank controlled by BTG Pactual with a large consumer lending book including home equity (Crédito com Garantia de Imóvel) and payroll loans. Overlaps with CashMe in secured consumer credit but operates from a deposit-funded, broader-product banking platform.
• Banco Votorantim (BV): Large Brazilian commercial bank with a strong retail and real estate finance business, including online home equity (Crédito com Garantia de Imóvel) offerings. Comparable to CashMe as a broad incumbent offering property-secured consumer credit alongside other products.
• Banco Inter: Brazilian digital bank offering a full suite of consumer, business and secured credit products including home equity. Comparable to CashMe via digital-first origination and Brazilian retail focus, but with a far broader product set including accounts, investments, and marketplace lending.
• Banco BMG: Brazilian commercial bank focused on payroll-deductible credit, consumer lending, and secured personal loans, with growing digital and home equity offerings. Overlaps CashMe in Brazilian consumer credit distribution and correspondent banking channels.
• Itaú Unibanco: Brazil's largest private bank, offering a full range of consumer and real estate finance including home equity (Crédito com Garantia de Imóvel). A broad incumbent that increasingly competes with CashMe on digital secured lending while maintaining a far larger balance sheet and deposit-funded model.

Emerging players

• C6 Bank: Brazilian digital bank with a growing consumer and SMB credit book, including home equity and secured personal loans. Comparable to CashMe on digital distribution of secured credit, though smaller and earlier-stage in this specific product category.

Others

• QuintoAndar: Brazil's largest residential rental and real estate transaction platform, serving millions of property owners and tenants. Adjacent ecosystem participant — QuintoAndar's property-owner user base is a natural cross-sell audience for CashMe's home equity products, and it represents a structural partnership/distribution channel rather than a direct competitor.
• Serasa Experian: Brazil's dominant credit bureau and consumer credit marketplace, providing credit data, scores, and loan origination leads to lenders. Comparable as an enabling infrastructure provider to CashMe's underwriting and partner lead generation rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCeuoZPiBsF4QyR9kqVpaBog
• Facebookfacebook.com/CashMeBrasil
• LinkedInlinkedin.com/company/cashmebrasil
• Instagraminstagram.com/cashmebrasil
• TikToktiktok.com/@cashme.brasil

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CashMe