Multi-signal underwriting, calibrated per industry.
Generic underwriting treats all small businesses the same. Kanmon’s models are trained on industry-specific patterns: better approval rates, more appropriate sizing, fewer defaults.
Software data
Operational and financial data your software captures: transaction history, payment behavior, job completion patterns. The primary signal.
Business credit
Commercial credit bureau data: payment history with suppliers, trade lines, public records.
Bank data
Where relevant, bank account data: cash flow patterns, balance trends, deposit velocity.