If you serve these types of business customers, you’re a potential partner.
Operations and Management Tools
Businesses that run operations through your product.
Job completions, crew management, scheduling, invoicing. Field services, healthcare operations, construction, maintenance.
Commerce and Ordering
Businesses that buy and sell through your product.
Order management, wholesale purchasing, marketplace selling, procurement. Order volume and payment timing are strong underwriting signals.
Financial Operations
Businesses that manage money through your product.
Invoicing, accounts receivable, accounts payable, accounting, payroll. Financial data is directly usable in underwriting.
Payments and Transactions
Businesses that transact through your product.
Payment processing, point of sale, embedded payments. Transaction history is among the best underwriting data available.
Distribution and Supply Chain
Networks where goods and payments flow through your channels.
Distributors, logistics operators, franchise systems, industrial businesses. If you see how your customers transact with suppliers and buyers, Kanmon can work.
Workforce and Staffing
Businesses that manage people and payroll through your product.
Staffing agencies, temp firms, HR platforms, contractor management tools. Payroll volume and billing cycles are directly relevant to capital structures.
What makes a Kanmon partnership work well.
These aren’t hard requirements. Many strong Kanmon partners weren’t all of these things on day one. Think of it as directional signal.
Strong signals
- Your customers are businesses, not consumers
- Your product sees meaningful financial or operational activity: payments, invoices, orders, job completions, cash flow patterns
- Your customers have recurring capital needs tied to how they operate
- You have an established trust relationship with your customers
Also worth a conversation
- You’re building toward meaningful SMB scale but aren’t there yet
- You serve non-tech-native industries: distribution, logistics, industrial, franchise
- You’re exploring what embedded capital could mean for your model
- Your customers transact with suppliers or buyers in ways you can observe
You don’t need to be in fintech to offer financing.
You don’t need
- A lending license
- A compliance team
- Capital on your balance sheet
- A payments product
- Prior experience building financial products
- A modern API-first tech stack (Kanmon can work with a range of technical environments)
You do need
- Business customers who transact through your product or network
- Data that reflects how those customers operate
- A genuine desire to add value for your customers
- Leadership that sees this as a priority, not a side project