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You are the channel.
Kanmon is the infrastructure.

We don’t have a direct-to-business lending channel. We grow when our partners grow. The companies we work with are the ones with the customer relationships, the operational data, and the trust. Kanmon provides everything else.

Capital

Kanmon deploys its own capital. Partners earn revenue share without taking on credit risk or maintaining a balance sheet.

Underwriting

Multi-signal underwriting calibrated per industry. Uses operational data from our partners combined with business credit and bank data.

Compliance

Kanmon holds all required lending licenses and handles ongoing regulatory compliance. Partners integrate a product; Kanmon is the licensed lender.

Servicing

After funding, Kanmon handles payment collection, customer support, and collections. Partners stay focused on their core product.

Integration

REST API. Most integrations complete in 4 to 8 weeks. Full documentation, sandbox, and dedicated technical support throughout.

White-label

Financing surfaces inside our partners’ products, under their brand. Kanmon is invisible to borrowers if partners prefer.

Field Notes
Market Insight

Role of business credit in SMB success

Business credit is a cornerstone of success for small and medium-sized businesses (SMBs). It influences access to financing, supplier relationships, and growth opportunities. At Kanmon, we leverage business…
View insight

If you serve business customers and have visibility into how they operate, start here.

Kanmon isn’t a fit for everyone, and we don’t try to be. The best partnerships are with companies that have a real relationship with real businesses, and data that reflects how those businesses actually run.

Strong fit right now

  • Your customers are businesses, not consumers
  • Your product captures financial or operational data: payments, invoices, orders, job history
  • Your customers have recurring capital needs tied to how they operate
  • You have an established trust relationship with your customers

Worth a conversation

  • You’re building toward meaningful scale but aren’t there yet
  • You serve non-tech-native industries: distribution, logistics, franchise, industrial
  • Your customers transact with suppliers or buyers in ways you can observe
  • You’re exploring what embedded capital could mean for your model

Revenue share.
No capital commitment.

No balance sheet risk.

Partners earn ongoing revenue share on the capital their customers access. Kanmon deploys the capital and carries the credit risk. The only thing on your books is revenue.

From conversation to live in four phases.

01

Discovery

We learn about your business, your customers, and their capital needs. No boilerplate. Just a real conversation.

02

Structure

Revenue share model, product scope, data-sharing structure. How it works.

03

Integration

Your team connects the Kanmon API. Full docs, sandbox, dedicated support. Typically 4 to 8 weeks.

04

Launch

Controlled rollout. Kanmon monitors performance, tunes underwriting, and works to optimize take rates over time.

The best partnerships start with a real conversation.