Cashera has brought its American and British operations together under one brand and one proprietary platform, consolidating work previously done as Cashera Capital in the US and Cashera in the UK. The Miami-headquartered company now runs under a single brand, a single leadership team and a shared technology strategy, and it has launched a new corporate site at Cashera.com.
The move follows rapid growth in the company's US business. Cashera Instant application volume has grown by 1,000% since January 2026. Instant provides automated cash flow financing to independent contractors and micro-business operators. The application takes about five minutes, and decisions come back in minutes, around the clock.
The name is new, but the team is not. Cashera's executives have worked together for over a decade in small business finance. In the past eighteen months, that same group built the proprietary systems and automated underwriting behind Cashera Instant in the United States while standing up the company's United Kingdom operation in parallel.
"We are building Cashera as a technology company first," said Mark Allayev, Founder and CEO of Cashera. "We have invested heavily in our technology team and proprietary infrastructure with one goal: to make access to capital faster, simpler and ultimately seamless and instant. Cashera Instant is already live in the US, and in 2027 we plan to bring that technology and instant decisioning experience into the UK. At the same time, we are developing Cashera Flow to provide instant approval for flexible lines of capital, together with a mobile experience that makes accessing and managing capital as seamless as possible. Bringing everything under one brand gives us the platform to continue building financial products around how businesses actually operate today."
Cashera's platform is built around Apolo, its proprietary underwriting and decisioning engine. Apolo spans the infrastructure behind Cashera's products, from data analysis and risk assessment through to approval. Today it powers the automated decisioning behind Cashera Instant in the United States.
At the core of Apolo is Cashera's own scoring model, which evaluates transaction-level data together with multiple additional data points through internally developed algorithms and machine-learning models. Rather than relying primarily on traditional credit history, Apolo is designed to build a more current and dynamic view of an applicant's financial activity, cash flow and overall profile, helping Cashera make faster and more consistent funding decisions. The platform is designed to become increasingly automated as Cashera expands its products, allowing applications to move from data analysis and scoring through decisioning and approval with significantly less manual intervention.
Cashera distributes its products almost entirely through referral partners rather than a direct sales force. Every partner receives a dedicated dashboard and co-branded, UTM-tagged links so traffic, applications, offers and funded deals are attributed to the originating partner and visible in real time.
"My background is on the broker marketplace side, so I knew exactly what partners never get, which is visibility," said Mike Assim, Head of Partnerships at Cashera. "Working with our product team, we pushed the real-time partner dashboard forward fast. Transparency compounds. It is why this channel grew without a sales floor."
Prospective partners can register at Cashera.com/partners or contact [email protected].
In the United Kingdom, Cashera's Growth product currently provides unsecured business loans from £5,000 to £300,000 to established companies across retail, hospitality, motor trade, beauty, e-commerce and healthcare, supported by a dedicated London team. Cashera plans in the near term to expand Growth to provide funding of up to £500,000 per deal.
In 2027, Cashera plans to bring the automated technology behind Cashera Instant into the UK. The UK Instant product is expected to provide funding of up to £10,000, with plans to provide returning customers with access to up to £20,000.
Cashera also confirmed that Cashera Flow, a product offering a flexible line of capital, is in development for a 2027 launch in both the United States and the United Kingdom. Cashera Flow is being designed around Cashera's proprietary platform to provide instant approval for flexible lines of capital, extending automated decisioning beyond individual funding transactions into an ongoing capital product.
