“Can AI-driven credit decisioning plus a proprietary FIDC unlock B2B BNPL at scale for Brazilian SMEs underserved by traditional banks?”
CashU launched in 2019 as a predictive-analytics fintech focused on B2B credit scoring for Brazilian SMEs, leveraging a proprietary ML model with 1,500+ variables. Originally an intelligence layer for large suppliers/distributors to extend their own credit, the company evolved into a full embedded B2B BNPL platform. In 2025 it structured its own R$100M FIDC (with Itaú BBA and Credit Saison) — moving from pure decisioning-as-a-service to also being the funding source, targeting R$1B in credit unlocked for PMEs.
CashU Fintech processes payments through Boleto (self-operated) and CashU BNPL Gateway (self-operated).
CashU Fintech's lending and capital products are provided by CashU (in-house).
The Embedded Finance Index 2026 maps 2 layers in CashU Fintech's stack: Payments / PSP (Boleto (self-operated) and CashU BNPL Gateway (self-operated)); Lending (CashU (in-house), Buy Now Pay Later B2B, Antecipação de Recebíveis, Credit decisioning API (customer-funded credit) and 1 other).
CashU Fintech was founded by Thiago Saldanha, Yuri Fonseca and João Torquato and is founded in 2019, headquartered in São Paulo, Brazil.
CashU Fintech has raised $20.1M in total (latest round: FIDC (Credit Fund), 2025).
Get a read on where your own stack stands against CashU Fintech and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.