Paggo offers an integrated financial orchestration platform for construction and real‑estate companies, centralizing treasury, accounts payable, accounts receivable, digital wallets, and analytics in a single web interface. The solution automates invoice capture, 24/7 payment processing, and cash‑flow forecasting while an AI assistant provides real‑time insights and fraud alerts, enabling firms to manage multiple project finances efficiently.
Funding
Funding not disclosed
Founders
Product
Problem
Construction and real‑estate companies often manage dozens of projects, each with its own bank accounts, invoices, payroll, and vendor payments. Coordinating these financial flows across multiple banks and legacy systems leads to fragmented data, manual reconciliations, delayed cash‑flow insights, and a high risk of fraud or missed payments.
Solution
Paggo provides an integrated financial orchestration platform that centralizes treasury, accounts payable, accounts receivable, digital wallets, and control‑room analytics in a single web interface. The system connects to all corporate bank accounts via Open Finance, automatically captures and categorizes invoices (NF‑e/NFS‑e), applies monetary corrections, and runs real‑time cash‑flow projections. Payments can be initiated 24/7 with customizable approval workflows, while AI‑driven assistants surface insights, flag anomalies, and suggest optimal fund transfers. Digital wallets replace physical corporate cards, allowing instant limit and rule configuration per project and automatic receipt capture. All data syncs with existing ERP systems, delivering up‑to‑date budgeting vs. actuals, DRE reports, and predictive alerts without manual effort.
Target Audience
Paggo targets mid‑size to large construction firms, real‑estate developers, and project‑based enterprises that need to manage multiple financial accounts, vendor payments, and project budgets.
Features
- Unified dashboard for all bank accounts, with balances automatically earning 100% of the CDI
- Automated invoice capture, categorization, and reconciliation for NF‑e and NFS‑e documents
- 24/7 payment processing with custom approval flows and fraud/duplicate alerts
- AI assistant that answers financial queries, automates routine tasks, and provides cash‑flow forecasts
- Digital corporate wallets with per‑project limits, geolocation, time‑of‑day rules, and instant expense categorization
- Real‑time control‑room tools for budgeting vs. actuals, predictive variance alerts, and DRE generation
- Open Finance integration for seamless import of external bank statements and automatic transaction matching
- ERP and accounting system connectors for bi‑directional data sync and custom reporting