Brazilian fintech CashU has successfully secured R$ 120 million (approximately USD$22.3 million) for its Credit Rights Investment Fund (FIDC), signaling strong investor confidence in its innovative approach to B2B lending. The funding round welcomes new institutional backers BTG Pactual and Capitânia Investimentos, who join returning investors Itaú BBA and Credit Saison. This capital infusion is set to accelerate the company's mission of transforming supply chain finance through proprietary technology.
A Strategic Injection of Capital
This latest transaction significantly expands CashU's FIDC, which serves as the primary vehicle for its credit operations. The participation of prominent asset managers like BTG and Capitânia, alongside the continued support from established partners, underscores the market's belief in the fintech's model. The new capital builds on a previous issuance, reinforcing CashU's position as a reliable partner for industries seeking to expand sales without assuming credit risk.
Redefining Credit Analysis with Intra-Chain Data
CashU's competitive edge lies in its unique intra-chain credit analysis, which moves beyond traditional financial metrics. The company evaluates the risk of small and medium-sized enterprises (SMEs) by analyzing their transactional behavior within their specific B2B supply chains. This proprietary method considers data points such as purchase recurrence, transaction volume, and historical supplier relationships to build a comprehensive risk profile.
At the core of this model are sophisticated artificial intelligence and machine learning algorithms that process complex supply chain data in real-time. This technology enables CashU to offer credit at the point of purchase, dynamically setting limits, terms, and rates for each transaction. The result is an agile and highly accurate credit decision process that minimizes friction and supports seamless B2B commerce.
The FIDC as a Proving Ground
According to CEO and co-founder Thiago Saldanha, the FIDC serves a purpose beyond simple credit origination. It functions as a regulated, transparent instrument to prove the efficacy and scalability of CashU's credit intelligence to the broader capital markets. This strategy was designed to "speak the language of big CFOs" by demonstrating consistent performance with real capital at stake.
The fund's success is already evident, with an annualized credit volume of approximately US$93.1 million even before this new investment. This performance validates the core thesis, developed by Saldanha and co-founder Yuri Fonseca, that combining machine learning with intra-chain data yields superior results. It proves that the company can scale its portfolio rapidly while maintaining robust risk management and high-quality assets.
A Vision for Embedded B2B Finance
Looking ahead, CashU's ultimate ambition extends beyond its own fund to an embedded finance model. The company aims to empower large corporations, distributors, and retailers to become credit providers for their own B2B customers. In this vision, the FIDC acts as a powerful showcase, a "red carpet" demonstrating the model's potential to prospective enterprise partners.
The long-term strategy involves creating dedicated, customized credit structures for these large partners, with CashU providing the core credit intelligence and operational engine. The fintech would manage the credit analysis and decision-making, effectively offering its proven technology as a service. This positions CashU not just as a lender but as a fundamental technology provider powering the future of B2B supply chain finance.
This $22.3 million capital raise marks a pivotal moment for CashU, providing the resources to scale its operations and advance its strategic vision. By proving its innovative intra-chain credit model through its FIDC, the company has earned the trust of major financial institutions. CashU is now poised to expand its influence, transforming B2B commerce by embedding intelligent, data-driven credit solutions directly into supply chains across Brazil.