CERC is a specialized receivables registrar that uses data analytics, secure digital storage, and regulatory compliance to verify, register, and monitor receivable assets. By providing automated validation, formal ownership records, payment routing, and continuous fraud detection, it enables banks, fintechs, factoring firms, and corporate partners to safely use receivables as collateral for credit and securitization.
Funding
$127.2M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
MCFounders
Product
Problem
Companies often struggle to use their receivables as reliable collateral for credit because of limited verification, fragmented documentation, and risk of fraud, which restricts access to financing and hampers growth.
Solution
CERC operates as a specialized receivables registrar that combines data analytics, secure digital storage, and regulatory compliance to certify the existence, availability, and condition of receivable assets. It formalizes asset ownership and transaction details, enabling the creation of enforceable liens and guarantees. The platform also manages payment instructions and reconciles cash flows, ensuring that funds are directed correctly and that settlement processes are transparent. By providing continuous monitoring and fraud detection, CERC reduces uncertainty for lenders and borrowers, facilitating broader credit issuance across multiple sectors.
Target Audience
Primary customers include banks, fintech lenders, factoring and escrow service providers, as well as corporate suppliers and large buyers seeking to monetize or secure financing against their receivables.
Features
- Automated verification of receivable existence, commercial linkage, and availability, with real‑time monitoring for status changes
- Digital registration of assets and transactions, supporting formal ownership records, lien creation, and regulatory compliance
- Integrated payment routing that directs debtor funds to the creditor‑specified account and reconciles settlements with underlying assets
- Continuous fraud detection and risk alerts across the receivable lifecycle, leveraging advanced data analytics
- Support for a wide range of receivable types (duplicates, card receivables, agribusiness instruments, utilities, financial contracts) within a single platform
- API and data services that enable fintechs, banks, and marketplaces to incorporate verified receivables into credit products and securitization structures