Cashforce
Cashforce is a Brazilian fintech providing a White Label SaaS platform that automates Risco Sacado (receivables-backed supplier financing) operations for FIDCs, securitizadoras, asset managers, banks, fintechs, and corporate groups in Brazil.
- Company typePrivate
- Founded2019
- HeadquartersSão Paulo, Brazil
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Cashforce does
Cashforce is a Brazilian fintech founded in 2019 and headquartered in São Paulo that provides a White Label SaaS platform for "Risco Sacado" — receivables-backed supplier financing operations — and supply chain finance workflows. The platform automates the full lifecycle of a duplicate receivable, from proposal origination and cession terms to ownership transfer and payment formalization, integrating directly with Brazilian registradoras (duplicate registrars), buyer ERP systems, and banking infrastructure via API, CNAB, file exchange, and database connections. Cashforce targets FIDCs (Fundos de Investimento em Direitos Creditórios), securitizadoras, asset managers (gestoras), consultoras, fintechs, banks, and large corporate groups (grupos empresariais) that want to offer branded receivables anticipation products.
The product portfolio has expanded through three modules: the core Cashforce Platform (White Label Risco Sacado), Synq Cashforce (launched 2024, focused on electronic duplicate bookkeeping compliance with IN 595/597 regulations), and Cashflow (launched 2023, the Risco Cedente module that extends coverage into supplier-side risk). The platform is built on Microsoft Azure and Amazon AWS infrastructure and maintains documented compliance with LGPD, ISO 27001, and ICP-Brasil digital signature standards. Core capabilities include real-time duplicate validation, automated acceptance and contestation workflows, digital rate negotiation environments, batch proposal dispatch with customization for fees, float, and IOF, and full audit trails.
Revenue is generated through three streams: SaaS subscriptions for direct platform access, White Label platform licensing on multi-year contracts for financial institutions deploying under their own brand, and turnkey implementation services covering legal (LGPD-compliant contracts), commercial (sales enablement), technology (integrations and customizations), and marketing support. Distribution is executed via direct enterprise sales targeting Brazilian financial institutions supplemented by White Label OEM embedding, content marketing (blog, e-books), and earned media coverage in outlets including Money Times, Valor Econômico, NeoFeed, and IstoÉ Dinheiro. Cashforce claims R$ 120 billion+ in anticipated receivables, 25,000+ suppliers served, and over 280 million receivables processed on the platform.
Cashforce firmographics
Firmographics- Name
- Cashforce
- Legal name
- Cashforce
- Website
- https://cashforce.com.br
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cashforce is a Brazilian fintech providing a White Label SaaS platform that automates Risco Sacado (receivables-backed supplier financing) operations for FIDCs, securitizadoras, asset managers, banks, fintechs, and corporate groups in Brazil.
- Ownership category
- akta.pro rank
Cashforce industry classification
Industry- Product category
- Supply Chain Finance Software
- NAICS
- Sales Financing (52222), Activities Related to Credit Intermediation (5223), Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159), Asset-Backed Securities (6189)
- akta.pro primary industry
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
- akta.pro secondary industries
- Cash Forecasting, Reconciliation & Liquidity Tools (FSAMAOAH), Corporate Cash Management & Treasury Services (FSAMAOAA)
Keywords
Where Cashforce is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
Cashforce business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- White Label Platform Licensing: White Label platform deployment allowing financial institutions, FIDCs, banks, and corporates to offer risk sacado products under their own brand. Revenue likely generated through licensing fees, setup fees, and/or transaction-based pricing.
- Platform Subscription/SaaS: Subscription-based access to the Cashforce platform for risk sacado operations management, including implementation, support, and ongoing platform access.
- Turnkey Implementation Services: Full implementation services including legal (contract templates, LGPD-compliant terms), commercial (sales materials, buyer meetings), technology (system integration, customizations), and marketing support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free Trial |
| Subscription | Multi-year contract | Enterprise White Label |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels6 records
Cashforce product offering
Product offeringCore offering
Cashforce provides a White Label SaaS platform for Risco Sacado (accounts receivable financing) operations, enabling financial institutions, FIDCs, securitizadoras, banks, fintechs, and corporate groups to automate duplicate validation, supplier onboarding, batch proposal dispatch, digital negotiation, cession formalization, and payment tracking. The offering is complemented by the Synq Cashforce module for escritural duplicate compliance with registradoras, and the Cashflow Risco Cedente module for supplier-side risk management, both integrated with buyer ERPs via API, CNAB, file, or database connections on Microsoft Azure and AWS infrastructure.
Product overview
Cashforce operates as a multi-module platform for receivables and supply chain finance, comprising the core Cashforce Platform (White Label Risco Sacado solution) as the primary offering, supplemented by the Synq Cashforce module for escritural duplicate compliance and the Cashflow module for cedente risk management. The platform is positioned as a white label solution targeting gestoras, consultoras, FIDCs, fintechs, bancos, and corporate groups. Core functionality includes duplicate validation via registrar integration, real-time data synchronization with buyer ERPs, automated acceptance/contestation workflows, and audit trails. The platform enables multiple business segments to offer branded receivables anticipation products without building infrastructure from scratch.
Differentiator
Problem solved
Functional benefit
Brands
- Synq Cashforce: Platform for duplicate escritural management with real-time integration with registradoras, compliance with LGPD, ISO 27001 and ICP-Brasil.
- Cashflow
Products and services
- Cashforce Platform (Risco Sacado White Label) White Label SaaS platform for managing accounts receivable (Risco Sacado) financing operations, targeted at financial institutions, FIDCs, securitizadoras, banks, fintechs, and corporate groups who rebrand and operate it under their own identity.
- Synq Cashforce Specialized module for electronic duplicate (escritural) management providing direct registrar integration, automated acceptance/contestation, audit trails by CNPJ, title, and value, and full regulatory compliance (LGPD, ISO 27001, ICP-Brasil).
- Cashflow (Módulo Risco Cedente) Cedente risk module that connects all stages from supplier registration to payment on a single platform integrated with the fund's ERP, allowing suppliers (cedentes) to request receivables anticipations and track operations in real time.
Quantifiable outcome
- R$ 120Bi+ in receivables anticipated on platform
- +4 more outcomes
Companies that use Cashforce
Customer profileNamed customers10 records
Segments6 records
Ideal customer profiles4 records
Cashforce technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability5 records
Feature18 records
Cashforce partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights6 records
Cashforce competitors and assessment
Company assessmentDirect peers
- CERC: Brazilian receivables registration infrastructure that provides escritural duplicate registration and interoperability services. CERC competes directly with Cashforce's Synq Cashforce module for registradora-integrated duplicate management serving FIDCs and corporates.
- Cobre Fácil: Brazilian B2B payments and receivables platform offering invoice management, anticipation, and payment APIs to corporates. Comparable to Cashforce in serving the receivables-finance operations needs of Brazilian companies.
- Equals: Brazilian receivables and cash management platform (formerly part of Stone/Elavon ecosystem) targeting enterprises with invoice management and working capital tools. Closely comparable in product offering to Cashforce's receivables operations stack.
- Concil: Brazilian financial reconciliation and cash management platform for corporate finance teams. Comparable to Cashforce in automating receivables reconciliation, ERP integration, and treasury visibility for enterprises.
Emerging players
- Tagus: Brazilian fintech offering receivables-backed investment products and supply chain finance tools. Comparable to Cashforce in connecting suppliers, buyers, and funds through receivables infrastructure.
- Pravaler: Brazilian credit platform originating and servicing receivables-backed loans. Comparable to Cashforce's underlying customer base of FIDCs and securitizadoras operating in receivables credit markets.
Broad incumbents
- B3: Brazilian exchange and market infrastructure operator providing structured receivables products, asset-backed securities registration, and fixed-income infrastructure. Comparable as the broader institutional environment where Cashforce's FIDC and securitizadora clients operate.
- Banco Inter: Brazilian digital bank operating its own FIDC and supply chain finance products for corporate clients. Comparable as both a potential customer (for White Label) and a competitor building in-house receivables infrastructure.
- PagBank/PagSeguro: Large Brazilian payments and digital banking platform offering receivables anticipation, working capital, and SMB credit products. Comparable to Cashforce as a scaled provider of receivables-finance services in Brazil.
Regional players
- Conta Azul: Brazilian SaaS platform for SMB financial management including receivables, cash flow, and banking integrations. Comparable in providing Brazilian businesses with receivables and cash-management tooling, though positioned for SMB rather than institutional FIDC clients.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Cashforce social profiles
Digital presenceCashforce compliance and trust
Trust signalCompliance3 records
Cashforce financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cashforce leadership team
Management profileNumber of profiles
Cashforce funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cashforce 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 Cashforce
What does Cashforce do?
Cashforce provides a White Label SaaS platform for Risco Sacado (accounts receivable financing) operations, enabling financial institutions, FIDCs, securitizadoras, banks, fintechs, and corporate groups to automate duplicate validation, supplier onboarding, batch proposal dispatch, digital negotiation, cession formalization, and payment tracking. The offering is complemented by the Synq Cashforce module for escritural duplicate compliance with registradoras, and the Cashflow Risco Cedente module for supplier-side risk management, both integrated with buyer ERPs via API, CNAB, file, or database connections on Microsoft Azure and AWS infrastructure.
Is Cashforce a public or private company?
Cashforce is a private company. It is classified as venture growth investor backed and is currently operating.
When was Cashforce founded?
Cashforce was founded in 2019. It employs 11 to 50 people.
Where is Cashforce based?
Cashforce is headquartered in São Paulo, Brazil, in the Latin America region.
How does Cashforce make money?
Three revenue lines are on record. White Label Platform Licensing is the primary driver. The others are platform Subscription/SaaS and turnkey Implementation Services.
Who are Cashforce's main competitors?
Direct peers on record are CERC, Cobre Fácil, Equals and Concil. Emerging players are Tagus and Pravaler. Broad incumbents are B3, Banco Inter and PagBank/PagSeguro. Conta Azul is listed as a regional player.
Does Cashforce have an API?
Yes. Cashforce offers API integration capabilities for data exchange with buyers (sacados). The platform supports multiple integration methods including API connections, CNAB (Brazilian banking standard file format), file exchange in various formats, and direct database connections. The APIs enable real-time validation of duplicates, cross-validation with ERP systems (invoice numbers, due dates, values, discounts), automated acceptance/rejection with logs, and automatic return to buyer ERPs after anticipation operations.
What industry is Cashforce in?
Cashforce's product category is Supply Chain Finance Software. Its primary akta.pro industry code is FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout), with a secondary code of FSAMAOAH, Cash Forecasting, Reconciliation & Liquidity Tools. Its NAICS code is 52222 and its SIC code is 6153.