About Us
Based in Montreal with operations in the U.S. (plus capable of servicing all major global markets), Cashflow wants to make moving money easy, and financing even easier for businesses all over the world.
Today, Cashflow offers easy-to-use AR/AP automation tools for businesses of all sizes in the United States and Canada. In the coming years, a completely automated solution for SEND, RECEIVE and FINANCE.
Today, Cashflow offers easy-to-use AR/AP automation tools for businesses of all sizes in the United States and Canada. In the coming years, a completely automated solution for SEND, RECEIVE and FINANCE.
One login, or API integration, to rule them all!
"Too much valuable time and human resources are being wasted on payables, receivables and financing."
"Too much valuable time and human resources are being wasted on payables, receivables and financing."
Every Owner, CFO and Controller
Our Team
Born and raised in Montreal, Shawn graduated from Northeastern University (Boston, MA) in 1998 with degrees in Business Administration and Mass Communications. His career started as an Executive Recruiter specializing in Finance & Accounting until jumping into software affiliate marketing in early 2000. Over the next 16+ years Shawn specialized in building affiliate marketing teams with strategies that grew revenues to over $100M per year.
Born and raised in Montreal, Shawn graduated from Northeastern University (Boston, MA) in 1998 with degrees in Business Administration and Mass Communications. His career started as an Executive Recruiter specializing in Finance & Accounting until jumping into software affiliate marketing in early 2000. Over the next 16+ years Shawn specialized in building affiliate marketing teams with strategies that grew revenues to over $100M per year.
Born and raised in Montreal, Shawn graduated from Northeastern University (Boston, MA) in 1998 with degrees in Business Administration and Mass Communications. His career started as an Executive Recruiter specializing in Finance & Accounting until jumping into software affiliate marketing in early 2000. Over the next 16+ years Shawn specialized in building affiliate marketing teams with strategies that grew revenues to over $100M per year.
Kevin excels in optimizing client financial outcomes and ensuring stellar service experiences. Skilled in navigating complex issues, he boosts retention through strategic insights and personalized support. Kevin's proactive approach has significantly enhanced customer loyalty and satisfaction, making him a key asset in driving sustainable growth.
Kevin excels in optimizing client financial outcomes and ensuring stellar service experiences. Skilled in navigating complex issues, he boosts retention through strategic insights and personalized support. Kevin's proactive approach has significantly enhanced customer loyalty and satisfaction, making him a key asset in driving sustainable growth.
Kevin excels in optimizing client financial outcomes and ensuring stellar service experiences. Skilled in navigating complex issues, he boosts retention through strategic insights and personalized support. Kevin's proactive approach has significantly enhanced customer loyalty and satisfaction, making him a key asset in driving sustainable growth.
Phil, a native of Montreal, completed his education at the John Molson School of Business in 2008, earning degrees in Marketing and Entrepreneurship. He began his career as an account manager at an online marketing firm, before transitioning into conversion optimization in early 2010. Over the following decade, Phil honed his skills in creating effective marketing campaigns and leading marketing teams.
Phil, a native of Montreal, completed his education at the John Molson School of Business in 2008, earning degrees in Marketing and Entrepreneurship. He began his career as an account manager at an online marketing firm, before transitioning into conversion optimization in early 2010. Over the following decade, Phil honed his skills in creating effective marketing campaigns and leading marketing teams.
Phil, a native of Montreal, completed his education at the John Molson School of Business in 2008, earning degrees in Marketing and Entrepreneurship. He began his career as an account manager at an online marketing firm, before transitioning into conversion optimization in early 2010. Over the following decade, Phil honed his skills in creating effective marketing campaigns and leading marketing teams.
Our Story
2020
Late Payments
In early 2020, we launched a virtual terminal for easy credit card payments. We aimed to solve common issues for business customers and kept refining our approach based on their feedback. Business owners appreciated being able to offer multiple payment options but struggled with collecting late payments. By late 2020, we identified the root causes: treating payment as the final transaction step, a disconnect post-invoice, and unnecessarily long payment terms in a credit-rich environment. Our findings revealed that 50% of invoices are paid late, often by up to 14 days, indicating a flawed system. The system is broken.
In early 2020, we launched a virtual terminal for easy credit card payments. We aimed to solve common issues for business customers and kept refining our approach based on their feedback. Business owners appreciated being able to offer multiple payment options but struggled with collecting late payments. By late 2020, we identified the root causes: treating payment as the final transaction step, a disconnect post-invoice, and unnecessarily long payment terms in a credit-rich environment. Our findings revealed that 50% of invoices are paid late, often by up to 14 days, indicating a flawed system. The system is broken.
In early 2020, we launched a virtual terminal for easy credit card payments. We aimed to solve common issues for business customers and kept refining our approach based on their feedback. Business owners appreciated being able to offer multiple payment options but struggled with collecting late payments. By late 2020, we identified the root causes: treating payment as the final transaction step, a disconnect post-invoice, and unnecessarily long payment terms in a credit-rich environment. Our findings revealed that 50% of invoices are paid late, often by up to 14 days, indicating a flawed system. The system is broken.
2021
B2B Transactions
The conventional business culture to accept "a late payment is better than no payment at all” and “hold on to the cash as long as possible” is not going to change over night. We created flexible features that did not force business owners to do business differently, but rather a toolbox to do business any which way. We introduced eQuote, payment requests and pre-authorized debit tools. All these tools combined, results in unprecedented DATA & VISIBILITY into business transactions.
The conventional business culture to accept "a late payment is better than no payment at all” and “hold on to the cash as long as possible” is not going to change over night. We created flexible features that did not force business owners to do business differently, but rather a toolbox to do business any which way. We introduced eQuote, payment requests and pre-authorized debit tools. All these tools combined, results in unprecedented DATA & VISIBILITY into business transactions.
2022
Forward
We told hundreds of our FREE users that Cashflow was launching commercially with a 3 tier usage based pricing model as of June 2022. In the following months, we were happy to learn that 95% of our FREE users converted to monthly PAID users. A great sign that we were providing true value to our business customers. We took this as motivation to further improve and expand our platform features.
We told hundreds of our FREE users that Cashflow was launching commercially with a 3 tier usage based pricing model as of June 2022. In the following months, we were happy to learn that 95% of our FREE users converted to monthly PAID users. A great sign that we were providing true value to our business customers. We took this as motivation to further improve and expand our platform features.
2023
Payables V1
We launched our V1 Payables feature that focused on sending payments to suppliers with domestic bank transfers. We added a Bill Management feature that allowed businesses to upload, of forward by email, invoiced bills to be paid in one central location, scanned and ready to be paid on-time. In November, we signed a partnership with a major international cross border services provider. Our business customers would soon be able to send payments in over 150 currencies via international bank transfers.
We launched our V1 Payables feature that focused on sending payments to suppliers with domestic bank transfers. We added a Bill Management feature that allowed businesses to upload, of forward by email, invoiced bills to be paid in one central location, scanned and ready to be paid on-time. In November, we signed a partnership with a major international cross border services provider. Our business customers would soon be able to send payments in over 150 currencies via international bank transfers.
2024
The Future
Further improvements to our receivables and payables automation features. The focus will be to build on our V1 Payables solutions to become a viable Domestic and International payment's services provider in both the United States and Canada.
Stay tuned for more!
Further improvements to our receivables and payables automation features. The focus will be to build on our V1 Payables solutions to become a viable Domestic and International payment's services provider in both the United States and Canada.
Stay tuned for more!
Cashflow.io 2024 © All Rights Reserved
Cashflow.io 2024 © All Rights Reserved
Cashflow.io 2024 © All Rights Reserved