Cashflo offers an embedded finance platform that integrates with ERP and accounting systems to automate credit underwriting and provide instant, white‑label working‑capital financing to suppliers and customers. The solution uses real‑time transactional data and machine‑learning models to assign dynamic limits, disburse funds via ACH/RTP, and deliver analytics on DSO, utilization and repayment performance. It is targeted at manufacturers, distributors and marketplaces seeking to streamline cash‑flow management across their supply chains.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses that rely on extended payment terms often face cash flow gaps, while manually assessing supplier or customer credit risk is time‑consuming and error‑prone. These inefficiencies limit the ability to provide working‑capital financing within the supply chain, leading to higher days‑sales‑outstanding (DSO) and strained supplier relationships.
Solution
Cashflo delivers an embedded finance platform that connects directly to a company’s existing ERP and accounting systems. By leveraging real‑time data from these systems, the platform automates credit assessment, assigns dynamic financing limits, and disburses funds instantly to approved suppliers or customers. The solution operates as a white‑label service, allowing the host business to present financing options under its own brand while retaining full control over terms and risk parameters. Integrated analytics provide continuous monitoring of repayment performance and cash‑flow impact, enabling finance teams to optimize working‑capital cycles without manual intervention. The platform also supports automated settlement via ACH, RTP or other instant‑payment networks, reducing the latency between financing approval and fund delivery.
Target Audience
The primary customers are B2B enterprises—manufacturers, distributors, and online marketplaces—that manage large supplier networks and seek to embed financing into their procurement or sales platforms. Finance and procurement teams within these organizations use Cashflo to streamline working‑capital management and strengthen supply‑chain relationships.
Features
- Pre‑built connectors and APIs for leading ERP/ accounting suites (e.g., SAP, Oracle, NetSuite, Microsoft Dynamics) that synchronize invoices, payment histories, and inventory data in real time
- Machine‑learning‑driven credit underwriting engine that scores suppliers/customers using transactional, financial, and behavioral signals, updating limits dynamically
- Instant fund disbursement through integrated ACH/RTP gateways and support for multi‑currency payouts via SWIFT or local payment rails
- White‑label UI components and branding controls so the host business can present financing offers as its own service
- Real‑time dashboard with KPI tracking (DSO, utilization, repayment rates) and automated alerts for delinquency or limit breaches
- End‑to‑end compliance workflow including KYC, AML screening, and audit‑ready reporting to meet regulatory requirements
- API‑driven repayment scheduling that supports flexible terms (e.g., net‑30, net‑60, early‑pay discounts) and automatic reconciliation with the ERP ledger