Cashflo

Cashflo is a leading fintech company specializing in integrated accounts payable (AP) automation and supply chain financing. The company’s mission is to unlock the financial potential of millions of Indian businesses by revolutionizing how they manage payments, vendor relationships and working capital. Cashflo’s platform is designed for large enterprises as well as mid-market and small and medium enterprises (SMEs), serving clients across more than 10 sectors.

Core Products and Services

• AP automation: Streamlines accounts payable and invoice reconciliation.

• Payments and compliance: Automates vendor payments and ensures GST compliance.

• Supply chain finance: Dynamic vendor financing, PO & GRN-based financing, invoice discounting.

• Business payments and controls: Payment controls and visibility for large businesses.

• Integration: Complements existing ERPs without disruption.

Business Model & Revenue Streams

• Revenue generation: Fee-for-service model; revenue from platform and transaction fees, and a share of interest rates from financiers.

• Business unit contribution: Core revenue from AP automation and supply chain finance; exact percentages not disclosed.

• Customer segmentation: 100% B2B, serving large enterprises (50+), mid-market and SMEs (200,000+); focus on multiple sectors including manufacturing, retail and healthcare.

• Concrete data point: Platform has enabled growth of 200,000+ mid-market/SME companies.

Top Clients & Partnerships

• Client profile: ITC, IFB, Crompton, Zydus Healthcare, Lupin, Murugappa Group, Mosaic Wellness, The Souled Store, Durian, Cona Electricals.

• Marquee contracts: Long-term relationships with leading Indian corporates; no major joint ventures disclosed.

• Client concentration risk: Well-diversified across sectors and company sizes; no single client dominates revenue.

• Diversification initiatives: Expanding into new sectors and deeper supply chain tiers.

• Concrete data point: Trusted by 50+ large enterprises and over 200,000 mid-market/SMEs.

Future Outlook & Strategic Priorities

• Growth drivers: New product features, deeper sector penetration and market expansion (reflecting recent market trends).

• Risks and headwinds: Regulatory changes in digital finance, macroeconomic volatility and technological disruption from fintech peers.

• Management targets: Scale operations, enhance digital capabilities and maintain leadership in AP automation and supply chain finance.

• Capital-allocation priorities: Investment in technology, compliance and talent; focus on broadening market access and client diversification.

• Concrete data point: Targeting deeper penetration into mid-market and SME segments, aiming to serve millions of Indian businesses.