Cashflow determines whether a company survives.
It determines whether payroll clears, vendors stay patient, and expansion plans move forward. And yet, for millions of businesses across Latin America, cashflow remains surprisingly fragile, not because demand doesn’t exist, but because collections are broken.
Most companies don’t manage receivables. They chase them.
Invoices live in spreadsheets. Follow-ups happen over email and WhatsApp. Payment promises are tracked in someone’s head. Finance teams spend their days reacting instead of controlling outcomes. The system works, until it doesn’t.
The consequences are structural:
Opaque: No real-time visibility into what’s owed, by whom, or when it’s actually likely to be paid
Manual: Nearly 80% of companies still rely on humans to chase payments
Slow: 60+ day collection cycles are common, even for healthy customers
Unpredictable: One delayed payment can cascade into missed payroll, vendor strain, or stalled growth
Despite generating over $1 trillion in B2B receivables every year, Latin America still runs critical financial workflows the way the U.S. did decades ago. Out of more than 20 million formal companies, over 5 million still manage receivables manually.
In the U.S., this problem has largely been solved. Accounts receivable automation is now a $15B+ SaaS category, embedded into the way modern companies operate. Cashflow is forecastable. Collections are system-driven. Finance teams plan instead of panic.
Latin America hasn’t had that transition yet — but it’s arriving now.
Enter Savio - Savio is building the AI cashflow operating system for Latin America.
Not another dashboard. Not another ERP module. But a system designed from the ground up to actively manage cashflow — automatically, intelligently, and in real time.
Savio connects directly into a company’s receivables stack and takes ownership of the entire lifecycle:
Predicting when invoices are actually likely to be paid
Billing customers with the right timing and context
Reminding them automatically, across the channels they already use
Reconciling payments as they happen, without manual cleanup
The impact is immediate.
One early customer reduced their days sales outstanding by more than 20% within the first 90 days, without adding headcount. Another cut manual follow-ups by over 50%, freeing finance teams to focus on planning instead of chasing.
These aren’t edge cases, they’re what happens when collections stop being reactive and start being system-driven.
What makes Savio compelling is not just automation, it’s judgment. The system learns from historical behaviour, customer patterns, and payment signals to decide how and when to act. Finance teams stop chasing and start overseeing.
In practice, this means fewer awkward escalations, fewer surprises at month-end, and a far more predictable cash position.
This matters because Latin American businesses don’t just need digitisation. They need software that understands local reality: fragmented payment rails, informal communication norms, and highly variable customer behaviour.
Savio embraces that complexity instead of abstracting it away.
Latin America today feels like the U.S. circa 2005, right before finance workflows went fully digital.
Several forces are converging at once:
A generational shift: Millennials and Gen Z are taking over finance teams. They expect real-time data, automation, and modern UX.
AI adoption: CFOs are increasingly comfortable deploying AI across core finance workflows.
ERP fatigue: Legacy systems are slow, rigid, and expensive to implement. Companies want modular tools that deliver value in weeks, not years.
Savio sits exactly at this inflection point, modern, AI-native software built for how companies actually operate today.
This is the kind of transition that creates category-defining companies.
Savio is founded by Hugo Martinez and Nacho Torras, a complementary team combining strong go-to-market instincts with deep technical execution.
We’re excited about Hugo because of his background scaling consumer D2C brands and the unconventional edge that brings to B2B software. Hugo approaches B2B sales and collections the way great consumer companies approach communication: clear, timely, and designed to drive action. That perspective shows up directly in Savio’s product, where automation is paired with thoughtful messaging that improves outcomes without escalating friction.
Nacho brings the technical rigour required to build infrastructure-level software. He’s experienced in designing and scaling complex systems, with a focus on reliability, correctness, and speed — all critical when software sits at the centre of a company’s cashflow.
Together, Hugo and Nacho pair customer empathy with execution discipline Exactly what’s needed to build foundational financial infrastructure in Latin America.
We’re excited to back the entire Savio team as they build the AI cashflow operating system for the region.
If you have a business in Mexico and would like to get paid faster - reach out to Hugo@savio.mx
Until next time!
Archie, Victor and Bernardo
If you are interested in learning more about what we are building at Nascent, we would love to connect!
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