CashMe
“Can a Cyrela-backed fintech turn Brazilian home equity into a mass-market credit product?”
Founded2018
HQSão Paulo, Brazil
Latest roundDebt, $60.1M
IndustryFintech / Lending
The story
CashMe was incubated in 2017 as a financial-solutions unit inside Brazilian homebuilder Cyrela and spun out in 2018 as a home-equity-focused fintech. Rather than operate as a licensed lender, it structures itself as a Banking Correspondent (Correspondente Bancário) under BACEN Resolution 4.935/2021, originating loans on behalf of two chartered financial institutions — BMP Sociedade de Crédito Direto and OXY Companhia Hipotecária. The strategic thesis: leverage Cyrela's real estate expertise to dominate Home Equity in Brazil, a category historically underserved by incumbent banks.
Last 12 months
—
Product timeline
2017
Born as an internal financial-solutions unit inside Cyrela· pivot
2018
Spun out as a fintech within Grupo Cyrela focused on home equity lending· banking
2019
First company in market to appraise real estate 100% digitally· lending
2024
Surpassed R$6 billion in credit disbursed· lending
Regulated entities
1
regulatory licence held by CashMe
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
2 layers disclosed in CashMe’s embedded-finance stack
Lending
BMP Sociedade de Crédito Direto S/AOXY Companhia HipotecáriaEmpréstimo com Garantia de Imóvel (Home Equity)Financiamento Imobiliário (SFI)Financiamento para ConstruçãoFinanciamento para Energia SolarEmpréstimo para EmpresaEmpréstimo para Capital de GiroEmpréstimo para CondomínioPortabilidade de DívidasEmpréstimo para AutônomoEmpréstimo para Reforma
Sponsor bank
in the full report
Accounting gap: none
2 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.