CashFlo Finance Automation and Supply Chain Finance

CashFlo is an Indian financial automation company with its registered office in Bandra-Kurla Complex, Mumbai, and further offices in Bengaluru and Pune. It sells software that connects enterprise accounts payable with supply chain finance so that large buyers can offer early payment programmes to vendors. The site does not state its founding year.

The platform covers payments and reconciliation, a vendor portal, AP automation with OCR and three-way matching, spend analysis and GST compliance, plus supply chain finance modules: dynamic cash discounting, dynamic vendor financing, PO financing and GRN-based financing. It integrates with SAP, Oracle NetSuite and Microsoft Dynamics, and reports 5,000+ corporates, 300K+ SMEs and a network of 20+ banks and NBFCs.

• Dynamic discounting and vendor financing: early payment programmes for suppliers on approved invoices.
• PO and GRN-based financing: funding earlier in the order-to-pay cycle.
• AP automation: OCR, PO, GRN and invoice matching.
• Vendor portal: KYC onboarding and payment tracking.
• AI calling agents: voice bots for supplier outreach, in premium beta since April 2025.
• ERP integration: SAP, Oracle NetSuite and Microsoft Dynamics connectors.

A Vietnamese manufacturer or retailer with SAP or Oracle could study the approach to launch an early-payment programme with partner banks. A bank could study the vendor onboarding model for anchor-led financing of small suppliers.

Large buyers can run vendor financing programmes from the same system as accounts payable. The site claims 95% straight-through invoice booking and programme scaling 3-4x faster with AI calling agents. Integration with common ERPs avoids replacing existing systems. A network of banks and NBFCs funds supplier invoices.

Large buyers in emerging markets are extending supplier financing to long-tail SMEs, and AI-assisted vendor onboarding is a way to scale programmes. Vietnamese manufacturers with many small suppliers face a similar onboarding challenge.

Registered office: One BKC, Bandra East, Mumbai; other offices in Bengaluru and Pune. Compliant with RBI guidelines and IndAS per the site. Modules include GST filing, e-invoicing and e-way bill for the Indian market. Founding year not stated.