Cashy
Cashy is a Polish fintech operating a digital dynamic discounting platform that enables large enterprises to accelerate supplier payments in exchange for an early payment discount, serving construction and logistics buyers and their SME supplier networks.
- Company typePrivate
- Founded2018
- HeadquartersBialystok, Poland
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Cashy does
Cashy sp. z o.o. is a Polish fintech operating a digital dynamic discounting (e-skonto) platform that enables large enterprises to accelerate payments to their suppliers and subcontractors in exchange for an early payment discount. The platform functions as an electronic overlay on buyers' financial and accounting systems, automatically importing invoices, generating transfer packages, and integrating with electronic banking. It supports multi-source financing (cash surpluses, credit lines, or reverse factoring limits) and can aggregate multiple factoring limits in a single workflow, with suppliers selecting their preferred accelerated payment date through a self-service interface.
The company's primary customers are large Polish enterprises — typically companies with PLN 1.5 billion+ in income and 500+ suppliers — operating in capital-intensive verticals such as construction (Budimex, Erbud) and transportation/logistics (Woz-Trans, Ostsped, NORD Partner). The model produces a win-win: buyers generate 1-3% incremental revenue per invoice from idle cash or unused credit, while SME suppliers receive earlier payment at a discount significantly below typical factoring costs (which can reach 10% per invoice, equivalent to 100%+ annualized). The Erbud case study demonstrates 120M PLN in accelerated payments and 20% lower supplier turnover.
Cashy monetizes on a transaction-based model, capturing a share of the financing spread. The go-to-market is enterprise field sales targeting corporate treasury and finance departments directly, with platform self-service for the downstream supplier network. The company is privately held and VC-backed (Spinaker Alfa, 4growth VC, Supernova Capital, Opoka TFI, BEYOND), with operating geographies centered on Poland and stated ambitions for broader Central-Eastern European expansion.
Cashy firmographics
Firmographics- Name
- Cashy
- Legal name
- Cashy sp. z o.o.
- Website
- https://cashy.pl
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cashy is a Polish fintech operating a digital dynamic discounting platform that enables large enterprises to accelerate supplier payments in exchange for an early payment discount, serving construction and logistics buyers and their SME supplier networks.
- Ownership category
- akta.pro rank
Cashy industry classification
Industry- Product category
- Supply Chain Finance / Dynamic Discounting Software
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)
- akta.pro secondary industry
- A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)
Keywords
Where Cashy is headquartered
LocationHeadquarters
- HQ city
- Bialystok
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
Cashy business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Transaction-based Dynamic Discounting: Cashy facilitates dynamic discounting transactions where large companies pay suppliers early in exchange for a small discount (e.g., 1% for 14-day acceleration = 26% per annum). The platform enables these transactions and generates revenue from the financing spread or platform fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Custom enterprise pricing based on transaction volume and financing parameters |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Cashy product offering
Product offeringCore offering
Cashy operates a digital dynamic discounting (e-skonto) platform that enables large companies to accelerate payments to their suppliers and subcontractors in exchange for an early payment discount. The platform allows buyers to invite suppliers, set discount rates, and process accelerated payments, while integrating with their financial, accounting, and electronic banking systems. Suppliers can then choose a preferred earlier payment date for individual invoices, giving buyers additional revenue and suppliers faster access to working capital.
Product overview
Cashy is a single-product fintech platform for dynamic discounting (przyspieszone płatności/e-skonto). The Cashy Platform serves as the core product, enabling large companies to generate 1-3% additional revenue per invoice by accelerating payments to suppliers. The platform offers a fully digital, automated process for managing supplier invitations, setting discount rates, and processing early payments, with full integration capabilities for financial and accounting systems and electronic banking.
Differentiator
Problem solved
Functional benefit
Products and services
- Cashy Platform Digital dynamic discounting (e-skonto) platform for large enterprises. Buyers invite trusted suppliers, set discount rates for early payment (e.g., 1% for 14-day acceleration), and the system automates transfer packages and accounting file generation, with full integration into ERP, financial/accounting systems, and electronic banking. Suppliers can self-serve to choose earlier payment dates on individual invoices.
Quantifiable outcome
- 737M PLN in early paid invoices value
- +6 more outcomes
Companies that use Cashy
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles2 records
Cashy technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Cashy partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- Santander Bank PolskaminorCollaborated with Cashy through AccelUp accelerator program organized by AccelPoint. Santander participated as partner in the acceleration program.
- ErbudcoreMajor construction company using Cashy platform. Case study client: 120 million PLN in accelerated payments through cooperation. Company with PLN 1.5 billion income and 500+ suppliers.
- BudimexcoreMajor construction company and Cashy customer logo. Leading construction firm in Poland.
- SASminorOrganized Startup Cup competition in collaboration with The Heart and Mastercard. Cashy won this competition.
- EYminorOrganized EYnovation startup program that Cashy completed.
- National Centre for Research and Development (NCBR)minorProject co-financed by NCBR under Operational Programme Intelligent Development 2014-2020: BRIdge Alpha. EU funding for research and development.
Scale indicators13 records
Recent moves6 records
Expansion highlights5 records
Cashy competitors and assessment
Company assessmentDirect peers
- PrimeRevenue: PrimeRevenue is a global supply chain finance platform providing dynamic discounting, reverse factoring, and receivables discounting to large enterprises and their supplier networks. Comparable to Cashy in serving large corporate buyers across multiple verticals with early-payment working capital solutions.
- Taulia: Taulia (acquired by SAP) is a leading dynamic discounting and supply chain finance platform that lets large buyers accelerate supplier payments. Directly comparable to Cashy in core product (early payment discount platform), ERP integration approach, and enterprise buyer target segment.
- Orbian: Orbian is a supply chain finance company providing dynamic discounting and early payment programs to large corporate buyers and their suppliers. Comparable to Cashy in core dynamic discounting functionality and large enterprise buyer focus.
- Demica: Demica is a London-based supply chain finance platform offering receivables discounting, reverse factoring, and dynamic discounting to corporates and banks across Europe. Comparable to Cashy in product set and European enterprise buyer focus.
- C2FO: C2FO operates the world's largest dynamic discounting marketplace connecting enterprises and their suppliers for early payment. Highly comparable to Cashy in product mechanics (supplier chooses early payment date at buyer-set rate) and buyer-supplier network model.
Emerging players
- Hokodo: Hokodo is a European B2B trade credit and payment platform enabling marketplaces and platforms to offer net terms and early payment to buyers and suppliers. Comparable to Cashy in digitizing B2B payment terms for SMEs, though with a different buyer (marketplace) focus.
- Settle: Settle is a European B2B finance platform offering dynamic discounting, factoring, and supply chain finance to SMEs and corporates. Comparable to Cashy in product offering and European SME focus, though with broader SCF product set and primarily SMB buyer orientation.
Broad incumbents
- Billtrust: Billtrust provides B2B order-to-cash automation and integrated working capital/early payment solutions for large enterprises. Comparable to Cashy in the B2B payment acceleration component, but broader in scope covering invoicing, collections, and credit decisioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Cashy social profiles
Digital presenceCashy financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cashy leadership team
Management profileNumber of profiles
Profiles13 records
Cashy funding detail
Funding detailFunding overview
Funding rounds3 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cashy 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 Cashy
What does Cashy do?
Cashy operates a digital dynamic discounting (e-skonto) platform that enables large companies to accelerate payments to their suppliers and subcontractors in exchange for an early payment discount. The platform allows buyers to invite suppliers, set discount rates, and process accelerated payments, while integrating with their financial, accounting, and electronic banking systems. Suppliers can then choose a preferred earlier payment date for individual invoices, giving buyers additional revenue and suppliers faster access to working capital.
Is Cashy a public or private company?
Cashy is a private company. It is classified as venture growth investor backed and is currently operating.
When was Cashy founded?
Cashy was founded in 2018. It employs 11 to 50 people.
Where is Cashy based?
Cashy is headquartered in Bialystok, Poland, in the Europe region.
How does Cashy make money?
One revenue line is on record: transaction-based Dynamic Discounting.
Who are Cashy's main competitors?
Direct peers on record are PrimeRevenue, Taulia, Orbian, Demica and C2FO. Emerging players are Hokodo and Settle. Billtrust is listed as a broad incumbent.
Does Cashy have an API?
No public API is recorded for Cashy.
What industry is Cashy in?
Cashy's product category is Supply Chain Finance / Dynamic Discounting Software. Its primary akta.pro industry code is FSAGABAK, Cross-Border FX, Multi-Currency & Treasury for Payments, with a secondary code of FSAMAFAF, A2A Checkout & Merchant Acceptance Solutions. Its NAICS code is 52222 and its SIC code is 6153.