CUB is a real estate fintech platform that automates receivables management, billing, and bank reconciliation by integrating ERP systems, banks, and contracts. It provides continuous auditing, AI-driven monitoring, and governance tools to reduce delinquency and improve cash flow predictability for real estate developers and other property market players.
Funding
Funding not disclosed
Founders
Product
Problem
Real estate developers and other property market players often struggle with unpredictable cash flow, manual reconciliation processes, and fragmented data across ERP systems, banks, and contracts. These inefficiencies lead to high delinquency rates, operational retrabalho, and weak governance that undermines investor confidence and slows capital raising.
Solution
CUB provides a unified platform that connects ERP, banks, and contracts to automate billing, collection, and reconciliation workflows. The solution centralizes receivables management, applies AI-powered auditing to cross-check contract data against ERP and bank records, and offers continuous portfolio monitoring with real-time alerts. It also includes a client portal, automated collection rules, and intelligent renegotiation tools, all supported by standardized reports and audit trails that ensure traceability and compliance. This enables companies to reduce manual errors, improve cash flow predictability, and operate with reliable data ready for fundraising and audits.
Target Audience
Primary customers are real estate developers (incorporadores), real estate agencies (imobiliárias), land developers (loteadores), and securitization companies that need to manage large, fragmented receivables portfolios and improve financial governance.
Features
- Integration with ERP and banking systems for end-to-end traceability of financial transactions
- Automated billing and recurring invoice issuance with multi-channel collection rules to increase payment compliance
- AI-driven contract-to-ERP auditing that reads and interprets documents, validates amendments, and flags inconsistencies
- Continuous 24/7 portfolio monitoring with event alerts and divergence detection for proactive risk management
- Intelligent reconciliation that automatically matches bank payments to ERP records, reducing manual effort
- Client self-service portal with AI-powered customer service and renegotiation capabilities
- Standardized, audited reports and per-contract evidence trails for governance and investor confidence
- Real-time management dashboards with customizable reports for cash flow visibility