Companies · Other Technology

Cachet Financial Solutions, Inc.

MINNEAPOLIS · Other Technology

Diligence memoA one-page analyst read on Cachet Financial Solutions, Inc. — recommendation, valuation, rhythm, risks.
$33.4M
Total raised · real
10
Rounds
0.9×
Latest step-up
Top 11%
Sector rank · raised
Series A
Latest stage · inferred · Mon Dec 12 2016 00:00:00 GMT+0000 (Coordinated Universal Time)

Cachet Financial Solutions, Inc. looks under-valued against its niche peers and is dormant on financing cadence.

Synthesized from the figures below est. — every claim rests on a number shown on this page. Valuation uses the technology sector profile.

Analyst read est. — computed against this company's niche peers in the same era. Inputs shown; not a quoted figure.

Under-valued
  • Modeled value is 0.09× the median modeled value of Series A Other Technology companies in 2016–2018 (815 peers) — value vs value, same stage and era.
Dormant
  • Last raise 9.6 yr ago; this sector typically re-raises about every 13 months.
  • Silent for over 3× the sector's normal cadence.
Leadership

No named principal in this company's public records yet — see all operators below.

Explore how these operators interlock with other companies in the operator network.

Where it sits in Other Technology

Cachet Financial Solutions, Inc. is one of 21302 Other Technology companies tracked from MINNEAPOLIS. By capital raised it ranks among the largest (ahead of 90% of sector peers), and in the long tail by modeled valuation est..

Ranking is computed against this company's own sector cohort — reported capital is fact; valuation tiers are modeled.

As reported in public records reported — not modeled.

US
Jurisdiction
Rule 506(b)
Reg D exemption
1
Investors (latest)
2016-12-12
First sale
Amount raised vs valuation, by round

Solid bars are reported offering amounts reported; hatched bars are the modeled post-money valuation est. — both on one shared scale so you can read raise-vs-worth at each round directly. Use the toggles to overlay data labels and the niche-peer / market average value lines.

Amount raised · realModeled valuation · estCumulative funded · real
$0$125M$250M$375M$500MSeries A · 2014-02-12 Raised $15M (real) Modeled valuation $416M (est)Series A2014Series A · 2014-02-27 Raised $300K (real) Modeled valuation $8.3M (est)Series A2014Seed · 2014-09-24 Raised $1.8M (real) Modeled valuation $62M (est)Seed2014Series A · 2014-09-24 Raised $3.3M (real) Modeled valuation $93M (est)Series A2014Seed · 2014-09-24 Raised $2.2M (real) Modeled valuation $73M (est)Seed2014Series A · 2015-02-03 Raised $2.4M (real) Modeled valuation $66M (est)Series A2015Series A · 2015-06-03 Raised $4.4M (real) Modeled valuation $122M (est)Series A2015Series A · 2016-02-25 Raised $500K (real) Modeled valuation $14M (est)Series A2016Series A · 2016-06-01 Raised $2.6M (real) Modeled valuation $71M (est)Series A2016Series A · 2016-08-11 Raised $1.1M (real) Modeled valuation $29M (est)Series A2016Series A · 2016-10-21 Raised $3.4M (real) Modeled valuation $93M (est)Series A2016Pre-Seed · 2016-12-12 Raised $550K (real) Modeled valuation $23M (est)Pre-Seed2016Series A · 2016-12-12 Raised $520K (real) Modeled valuation $14M (est)Series A2016Cumulative $38M

The line shows cumulative reported funding over the period; + labels show new capital added between points when there is room. Toggle on-bar figures, plus the niche-peer and market averages, to read this company against its cohort. Benchmarks are modeled medians.

Financing ladder & sequence gaps
Series A$15.0M · 2014
Series A extension$300K · 2014
Bridge · Series A-stage$1.8M · 2014smaller follow-on
Series A extension$3.3M · 2014
Bridge · Series A-stage$2.2M · 2014smaller follow-on
Series A extension$2.4M · 2015
Series A extension$4.4M · 2015
Series A extension$500K · 2016
Series A extension$2.6M · 2016
Series A extension$1.1M · 2016
Series A extension$3.4M · 2016
Bridge · Series A-stage$550K · 2016smaller follow-on
Series A extension$520K · 2016

Stages are modeled from round size (public records carry no series label). Ladder is contiguous — every modeled rung has a record.

Modeled valuation trajectory
$14.4M
Base estimate est.
$695K
Conservative case
$78.4M
Upside case
$2.4M
Modeled post-money

Round size and date are reported; the stage label is inferred from round size (latest is Series Aa $4.0M–$15M round). Valuation is modeled from stage benchmarks scaled by the technology sector profile. Directional, not a quoted figure.

Series A · modeled $416.1M · 2014-02-122014Series A · modeled $8.3M · 2014-02-27Seed · modeled $61.8M · 2014-09-24Series A · modeled $92.8M · 2014-09-24Seed · modeled $73.4M · 2014-09-24Series A · modeled $65.9M · 2015-02-03Series A · modeled $122.1M · 2015-06-03Series A · modeled $13.9M · 2016-02-25Series A · modeled $70.8M · 2016-06-01Series A · modeled $29.2M · 2016-08-11Series A · modeled $92.9M · 2016-10-21Pre-Seed · modeled $23.3M · 2016-12-12Series A · modeled $14.4M · 2016-12-122016
Model inputs · modeled:benchmark-stage-stepup-v1
22%
Dilution assumption
Implied ownership sold in the financing.
54%
Survival probability
29% low · 74% high
1.50×/yr
Annual markup
1.89×/yr upside case
6.0 yr
Elapsed time used
9.6 yr actual, capped for stale marks
technology
Sector profile
Adjusts growth and survival by industry.
Financing rhythm
3 mo
Avg between rounds
$11.8M/yr
Capital velocity
12.4 yr
On record since
2014
First round
13
Rounds on file
How it compares to the market

Benchmarked against 21302 companies in Other Technology. Each bar is a median (the middle company, not an average — outliers don't skew it). Two yardsticks: real money raised (reported on Form D) and modeled value (our estimate est.). These are whole-sector medians across all stages, except the per-stage row.

Total raised — vs sector median (real $, all stages) 11× above median
This company$33.4M
Sector median$3.2M
Latest round — vs other Series A rounds in sector (real $, this stage) 0.1× of median
This company$520K
Sector median$5.8M
Modeled value — vs sector median (estimate, all stages) 0.4× of median
This company$14.4M
Sector median$37.3M

Raised more than 90% of sector peers (real $). Modeled value above 30% of peers (estimate).

Niche peers — same stage & era

A tighter cohort than the sector chart above — only companies at the same stage (Series A) that last raised in the same ~3-year era, ranked by modeled value est. (not money raised). This is the exact set the analyst read compares against, so a like-for-like cohort is what makes "over/under-valued" meaningful. This company ranks #786 of 815.

This companyCohort peer
$10.0M$100.0M$1.0B$10.0M$100.0MCapital raised (log)Celect, Inc. · Series A Raised $30.1M · modeled $416.1M (est)VictorOps, Inc. · Series A Raised $36.3M · modeled $416.1M (est)Ephesoft Inc. · Series A Raised $15.0M · modeled $416.1M (est)Resilinc Corp · Series A Raised $15.0M · modeled $416.1M (est)Kaarya LLC · Series A Raised $15.0M · modeled $416.1M (est)DiCentral Corp · Series A Raised $15.0M · modeled $416.1M (est)Stay Alfred, Inc. · Series A Raised $15.0M · modeled $416.1M (est)Rubica, Inc. · Series A Raised $16.6M · modeled $416.1M (est)PocketWatch, Inc. · Series A Raised $16.8M · modeled $416.1M (est)MobileCause, Inc. · Series A Raised $24.6M · modeled $416.1M (est)DynamicAction Holdings, Inc. · Series A Raised $15.0M · modeled $416.1M (est)Bench Accounting, Inc. · Series A Raised $29.9M · modeled $416.1M (est)Cachet Financial Solutions, Inc. (this company) Raised $33.4M · modeled $14.4M (est)Cachet Financial Solutions, Inc.
CompanyStageRaised · realValue · estvs peer med.
Celect, Inc.Series A$30.1M$416.1M2.60×
VictorOps, Inc.Series A$36.3M$416.1M2.60×
Ephesoft Inc.Series A$15.0M$416.1M2.60×
Resilinc CorpSeries A$15.0M$416.1M2.60×
Kaarya LLCSeries A$15.0M$416.1M2.60×
DiCentral CorpSeries A$15.0M$416.1M2.60×
Stay Alfred, Inc.Series A$15.0M$416.1M2.60×
Rubica, Inc.Series A$16.6M$416.1M2.60×
PocketWatch, Inc.Series A$16.8M$416.1M2.60×
MobileCause, Inc.Series A$24.6M$416.1M2.60×
DynamicAction Holdings, Inc.Series A$15.0M$416.1M2.60×
Bench Accounting, Inc.Series A$29.9M$416.1M2.60×
Cachet Financial Solutions, Inc. this companySeries A$33.4M$14.4M0.09×
Full financing history

Stage is inferred from round size est., not reported on the filing — a round's dollar size maps to a bucket: Pre-Seed <$1.0M · Seed $1.0M–$4.0M · Series A $4.0M–$15M · Series B $15M–$40M · Series C $40M–$100M · Series D+ $100M–$400M · Growth/Late >$400M.

StageAmount · realAnnouncedPost-money · estValue · estConf.
Series A$15.0M2014-02-12$68.2M$416.1M85%
Series A$300K2014-02-27$1.4M$8.3M85%
Seed$1.8M2014-09-24$9.1M$61.8M85%
Series A$3.3M2014-09-24$15.2M$92.8M85%
Seed$2.2M2014-09-24$10.8M$73.4M85%
Series A$2.4M2015-02-03$10.8M$65.9M85%
Series A$4.4M2015-06-03$20.0M$122.1M85%
Series A$500K2016-02-25$2.3M$13.9M85%
Series A$2.6M2016-06-01$11.6M$70.8M85%
Series A$1.1M2016-08-11$4.8M$29.2M85%
Series A$3.4M2016-10-21$15.2M$92.9M90%
Pre-Seed$550K2016-12-12$3.1M$23.3M90%
Series A$520K2016-12-12$2.4M$14.4M90%
What happened at each round

Step-up, pace versus the sector's normal cadence, and revenue/exemption moves — read straight from the reported round facts reported.

  1. Series A$15.0M2014-02-12
    • First recorded raise — entered as Series A.
    • 65 investors on this round.
  2. Series A$300K2014-02-27
    • Filed alongside the prior round (same month) — likely a tranche or amendment.
    • Round 50.0× smaller than the prior — bridge or down round.
    • 2 investors on this round.
  3. Seed$1.8M2014-09-24
    • Came back fast: 7 mo vs the ~13 mo sector norm.
    • Round 6.0× larger than the prior — scaling up.
    • 2 investors on this round.
  4. Series A$3.3M2014-09-24
    • Filed alongside the prior round (same month) — likely a tranche or amendment.
    • Round 1.8× larger than the prior — scaling up.
    • 10 investors on this round.
  5. Seed$2.2M2014-09-24
    • Filed alongside the prior round (same month) — likely a tranche or amendment.
    • Round 1.6× smaller than the prior — bridge or down round.
    • 9 investors on this round.
  6. Series A$2.4M2015-02-03
    • Came back fast: 4 mo vs the ~13 mo sector norm.
    • Round roughly the size of the prior one.
    • 21 investors on this round.
  7. Series A$4.4M2015-06-03
    • Came back fast: 4 mo vs the ~13 mo sector norm.
    • Round 1.9× larger than the prior — scaling up.
    • 25 investors on this round.
  8. Series A$500K2016-02-25
    • Raised 9 mo later, in step with the ~13 mo sector norm.
    • Round 8.8× smaller than the prior — bridge or down round.
    • 3 investors on this round.
  9. Series A$2.6M2016-06-01
    • Came back fast: 3 mo vs the ~13 mo sector norm.
    • Round 5.1× larger than the prior — scaling up.
    • 5 investors on this round.
  10. Series A$1.1M2016-08-11
    • Came back fast: 2 mo vs the ~13 mo sector norm.
    • Round 2.4× smaller than the prior — bridge or down round.
    • 4 investors on this round.
  11. Series A$3.4M2016-10-21
    • Came back fast: 2 mo vs the ~13 mo sector norm.
    • Round 3.2× larger than the prior — scaling up.
    • 5 investors on this round.
  12. Pre-Seed$550K2016-12-12
    • Came back fast: 2 mo vs the ~13 mo sector norm.
    • Round 6.1× smaller than the prior — bridge or down round.
    • 1 investor on this round.
  13. Series A$520K2016-12-12
    • Filed alongside the prior round (same month) — likely a tranche or amendment.
    • Round roughly the size of the prior one.
    • 1 investor on this round.
Intelligence
2017 ~Q1
Modeled next raise · ~3mo cadence
$520K
Modeled next size est.range $520K$832K
0.9×
Last step-up
$11.8M/yr
Capital velocity

Predictive signals are modeled est. from this company's own cadence and step-up, plus sector benchmarks — directional, not advice. Peer set and a CSV export live in your analyst workspace.

Key people & operators

Officers, directors and promoters named in this company's public recordsreported — the people who run it (not its investors). "Also runs" counts come from name-matching across all records, so verify before acting.

PersonRoleAlso runsTied since
James Davis5 other2016-10
James L. Davis2 other2014-02
JAMES SPENCER2 other2016-10
Jeffrey Mack2 other2016-10
Mark S. Anderson2 other2014-02
Christopher F. Ebbert1 other2014-02
Darin P. McAreavey1 other2014-09
Jeffrey C. Mack1 other2014-02
Liyuan Woo1 other2016-10
Michael Hanson1 other2016-10
Bruce D. Whitmore2016-08
Bruce L. Whitmore2015-02
BRUCE WHITEMORE2016-12
BRUCE WHITMORE2016-10
Bryan D. Meier2016-08
BRYAN MEIER2016-10
Bryan P. Meier2016-02
Darin H McAreavey2014-09
DARIN MCAREAVEY2016-10
Darrin P. McAreavey2016-02
DARRIN P. MCAVREAVEY2016-06
LAWRENCE BLANEY2016-10
Lawrence C. Blaney2014-02
Michael J. Hanson2014-02
Registry & provenance

Cachet Financial Solutions, Inc. is an official record sourced from the U.S. Securities and Exchange Commission (SEC). U.S. data is aggregated from SEC Form D filings.

United States
Country of record
US
Jurisdiction
1487906
SEC CIK
Similar companies

Nearest neighbours across the whole database — matched on sector, stage and capital scale, and on shared operators (officers or directors named at both companies in public filings). A discovery shortlist, not a valuation cohort — verify before acting, the same way modeled figures are directional.

CompanySectorStageRaised · realValue · estWhy similar
Cachet Financial Solutions Inc.Other TechnologySeries A$32.6M$13.9Mnetwork4 shared operators · same sector · same stage
Wooly, Inc.Other TechnologySeries A$7.7M$3.6Mnetwork1 shared operator · same sector · same stage
MetaCX, Inc.Other TechnologySeries A$35.0M$14.2Msame sector · same stage
Aspinity, Inc.Other TechnologySeries A$26.7M$15.0Msame sector · same stage
SmartCommerce Inc.Other TechnologySeries A$26.2M$14.4Msame sector · same stage
Cadenza Innovation, Inc.Other TechnologySeries A$24.6M$13.7Msame sector · same stage
eNeura, INC.Other TechnologySeries A$53.6M$14.2Msame sector · same stage
HeartHero, Inc.Other TechnologySeries A$18.5M$14.7Msame sector · same stage
Semantically similar

Matched by meaning, not labels — a local language model reads each company's name, sector and description and ranks the closest in that learned space. This catches look-alikes that cross sector boundaries; the structured list above explains its matches, this one trusts the text. Directional, like every modeled signal here.

CompanySectorStageValue · estMatch
Finmark Financial, Inc.Other TechnologySeries A$127.3M89%
Fintent IncOther TechnologyPre-Seed$675K89%
Walnut Financial, Inc.Other TechnologySeries A$163.6M88%
Cortex Financial Services Group, Inc.Other TechnologyPre-Seed$3.0M88%
Tapp Finance, Inc.Other TechnologyPre-Seed$1.4M88%
MirrorCache Holdings, Inc.Other TechnologyPre-Seed$12.7M88%
Mainvest Holdings Corp.Other TechnologySeed$4.1M87%
Mgt Capital Investments, Inc.Other TechnologySeries A$1.3M87%
Frequently asked
How much funding has Cachet Financial Solutions, Inc. raised?
Cachet Financial Solutions, Inc. has raised approximately $33.4M in disclosed capital across 10 recorded financing rounds, aggregated from public filings.
What is Cachet Financial Solutions, Inc.'s estimated valuation?
Provath's modeled valuation for Cachet Financial Solutions, Inc. is approximately $14.4M (modeled range $695K–$78.4M). This is an algorithmic estimate derived from round sizes and same-niche peers — not a quoted or reported figure.
What funding stage is Cachet Financial Solutions, Inc. at?
Cachet Financial Solutions, Inc.'s latest modeled financing stage is Series A. Its most recent recorded round closed around Mon Dec 12.
What does Cachet Financial Solutions, Inc. do and where is it based?
Cachet Financial Solutions, Inc. operates in the Other Technology sector, based in MINNEAPOLIS.
Explore related

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