Embedded Working Capital
Kanmon threads financing through the software your customers already live in, without making you a lender.
The Problem
They close your tab and go looking for a lender who knows nothing about them. Kanmon closes that gap, using the data your software already captures to deliver capital that fits how each business actually operates.
A single integration sits between your product and Kanmon’s full infrastructure. You ship the surface. We carry the rest.
Step 01
A single API integration. Kanmon connects to the data you already capture. No custom data pipelines. No new infrastructure.
Step 02
Underwriting, compliance, capital deployment, servicing, collections. None of it lands on you.
Step 03
Financing surfaces inside your product, under your brand. You earn revenue share on every dollar originated.
Kanmon doesn’t offer one product and call it flexible. The right capital structure is determined by what the data says about what each business actually needs.
The job starts Monday.
The last client still hasn’t paid.”
Working capital
Liquidity for businesses that need to operate. Payroll, overhead, opportunity costs. Structured as term loans or revolving lines depending on how the business generates and spends cash.
The invoice went out 45 days ago. Payroll is due Friday.”
Invoice financing
Kanmon advances a percentage of qualifying invoices as soon as they’re issued and reconciles against payment when it arrives.
The purchase order is ready.
The supplier needs payment before they’ll ship.”
Buyer financing
Kanmon pays the vendor on day one. The business repays Kanmon on extended terms, tuned to its actual cash cycle.
December was slow.
The January payment is the same as July’s.”
Revenue-based financing
Kanmon advances capital against forward revenue and takes a fixed percentage of each month’s revenue until the advance is repaid.
Kanmon works with companies that have meaningful visibility into how their customers operate.
