For Partners
Evaluating a Kanmon partnership.
For Business Owners
Understanding your financing offer.
Licensing and Compliance
How Kanmon operates as a licensed lender.
Products and Capital
How Kanmon’s capital products work.
For Partners
Evaluating a Kanmon partnership.
No. Kanmon is the licensed lender of record in all states where it operates. You integrate the product. Kanmon handles all regulated lending activity. California loans are made pursuant to Kanmon’s DFPI Finance Lenders Law License #60DBO-144925.
No. Kanmon deploys its own capital. Partners earn revenue share on originated volume without any credit risk, reserve requirement, or balance sheet exposure. Losses from defaults hit Kanmon, not you.
Kanmon works with companies that have real relationships with business customers and data that reflects how those businesses operate. That includes software companies, distributors, franchise networks, marketplace operators, and other non-tech-native businesses. If your customers are businesses and you have visibility into how they transact, start a conversation.
Working capital, invoice financing, buyer financing, and revenue-based repayment. The right structure is determined by the data Kanmon sees about each business. There’s no fixed product menu — the offer fits the borrower.
Most integrations complete in 4 to 8 weeks. Kanmon provides full API documentation, a sandbox environment, and dedicated technical support throughout the process.
It depends on the industry and capital structure. Generally, Kanmon uses transaction history, payment behavior, and operational patterns already captured in your product. Your integration team and Kanmon’s technical team define the data spec together during the partnership setup phase.
Partners earn ongoing revenue share on the net revenue generated by capital their customers access. This isn’t a referral fee — it’s a share of the economics over the life of active loans. Terms are agreed in the partner contract and vary by program design and volume.
Kanmon bears the credit risk. Default losses hit Kanmon’s balance sheet. Kanmon handles collections. Partners are not exposed to borrower credit risk under any circumstances.
Yes. Kanmon’s integration accommodates a range of technical environments. If you have operational data about your customers and a real relationship with them, we can often make it work even outside a modern API-first context.
Kanmon holds the required lending licenses in all states where it operates. Partners do not take on state licensing obligations. See the Licensing and Compliance section below for details.
For Business Owners
Understanding your financing offer.
You received a financing offer because the company whose product you use to run your business has partnered with Kanmon. They shared data about your business activity — revenue, payment patterns, operating history — with us. The offer is based on what that data says about your business, not a cold application to a lender who knows nothing about you.
Viewing your offer does not affect your credit. Accepting may result in a soft inquiry depending on the product. This is disclosed clearly before you accept.
Yes. There is no prepayment penalty. You can pay off the full balance at any time.
You’ll be notified immediately. Contact our support team right away. The sooner you communicate, the more options are available to resolve it.
Your offer is based on data your product partner shared with Kanmon about your business: revenue, payment history, and operational patterns. The amount is sized based on what the data says your business can comfortably support.
Offer amounts are based on current data. As your business grows and your data profile strengthens, you may be eligible for higher amounts in the future. Contact support to discuss your situation.
This depends on the product type and your current account status. Check your dashboard or contact support for eligibility.
Yes. You’re not obligated to accept. Viewing the offer creates no credit inquiry and no obligation. Simply close it — nothing in your account changes.
Kanmon earns a fee on each loan, which is included in the total cost of borrowing shown in your offer. There are no hidden fees. What you see is what you pay.
Kanmon’s support team handles all questions about your offer, loan terms, and repayments. Contact us here.
Yes. Kanmon uses bank-grade encryption and complies with all applicable data privacy laws. See our Compliance and Trust page for details.
Licensing and Compliance
How Kanmon operates as a licensed lender.
Yes. Kanmon holds all required lending licenses in the states where it originates loans. California loans are made pursuant to Kanmon’s California Department of Financial Protection and Innovation (DFPI) Finance Lenders Law License #60DBO-144925.
All legally required disclosures — including APR, total cost of borrowing, repayment schedule, and ACH authorization terms — are presented clearly before a borrower accepts an offer. No disclosure is hidden or buried.
Kanmon’s underwriting models are tested for disparate impact. Credit decisions are based on data that reflects business performance, not demographic characteristics. We comply with all applicable equal credit opportunity laws.
Yes. Kanmon maintains a BSA/AML compliance program including customer identification procedures and beneficial ownership verification for all borrowing businesses.
Yes. Kanmon complies with applicable privacy laws including CCPA. Borrowers have the right to access, delete, and opt out of the sale of their personal information as required by law.
All data is encrypted in transit using TLS 1.2 or higher. Sensitive data is encrypted at rest using AES-256. Kanmon maintains strict role-based access controls and audit logging for all access to production systems and customer data.
[SOC 2 Type II audit status and report availability. FPO.]
Email [email protected] or write to:
Kanmon Inc. Attn: Compliance
400 Concar Dr, San Mateo CA 94402
Kanmon has a formal dispute resolution process. Borrowers can contact our support team, and all disputes are handled pursuant to the terms of the credit agreement and applicable law. Contact support to initiate a dispute.
Products and Capital
How Kanmon’s capital products work.
Kanmon structures working capital, invoice financing, buyer financing, and revenue-based repayment. The right structure is determined by what the data says about each business’s needs. No prescriptive product menu.
Kanmon’s underwriting engine evaluates each business’s data profile and surfaces the right capital structure automatically. Your users don’t choose from a menu.
Revenue share is agreed in the partner contract and varies by program design, volume, and risk-sharing arrangements. Contact your partner manager to model the economics for your specific situation.
Most integrations complete in 4 to 8 weeks. We provide full documentation, a sandbox environment, and dedicated technical support throughout.
No. Kanmon is the licensed lender of record. You integrate the product. Kanmon handles all regulated lending activity.
The data requirements vary by product type and industry. Generally, Kanmon uses transaction history, payment behavior, and operational patterns already captured in your software. Your integration engineer and our technical team will define the data spec together.
Kanmon bears the credit risk. Default losses hit Kanmon’s balance sheet, not yours. Kanmon handles collections. Partners are not exposed to borrower credit risk.
Yes. Kanmon’s integration flexibility accommodates a range of technical environments. If you have operational data about your customers, we can often work with it even outside a modern API-first context.
Kanmon holds the required lending licenses in all states where it operates. Partners do not take on state licensing obligations. See our Compliance page for details.