CUB

About CUB

CUB provides financial and technological solutions for Brazil's real estate market, focusing on receivables management. Founded in 2022 by Leonardo Gasparin (CEO), Fábio Coutinho (Director of Products), Thais Matoszko (Director of Operations), and Lucas Zago (Director of Technology), the fintech offers a platform that integrates billing automation, bank reconciliation, business intelligence, and access to credit. The company primarily serves land developers and builders, helping them automate financial processes and optimize the management of real estate contracts.

The platform aims to address key sector challenges by reducing delinquency, improving cash flow, and enhancing governance through data digitalization. For instance, CUB reported that in 2024, clients using the platform saw a 50% reduction in default rates. Its services include automated collection rules, diverse payment options for end customers such as PIX, credit card, and bank slips, and an AI-assisted customer service portal. CUB also eliminates the need for manual bank reconciliation files by automating the process via API.

Through its arm, CUB Capital, the company provides credit access and advances on receivables for developers, offering a faster and more transparent alternative to traditional financing. Since its inception, the company has processed over R$600 million across 400 real estate projects and 77,000 contracts. CUB has secured more than R$43 million in funding since 2022, with a Series A round of R$30 million (US$5.5 million) in September 2024 led by Alexia Ventures and Upload Ventures. Other notable investors include TerraCotta Ventures and iFood co-founders Patrick Sigrist and Guilherme Bonifácio.