Kanmon
- Company typePrivate
- Founded2022
- HeadquartersSan Mateo, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Kanmon firmographics
Firmographics- Name
- Kanmon
- Legal name
- Kanmon Inc.
- Website
- https://kanmon.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Kanmon industry classification
Industry- Product category
- Embedded Lending Infrastructure
- NAICS
- Sales Financing (52222)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Fraud, Risk, KYC/AML & Compliance Platforms (BPAMAFAI)
- akta.pro secondary industries
- Beneficial Ownership (UBO) & Corporate Registry Verification (KYB) (FSAMAMAK), KYC/KYB & Customer Onboarding (CIP, beneficial ownership, screening) (FSAGAFAB)
Keywords
Where Kanmon is headquartered
LocationHeadquarters
- HQ city
- San Mateo
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Kanmon business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Interest Income from Embedded Loans: Kanmon provides the capital for lending products and earns interest income on term loans, lines of credit, invoice financing, and accounts payable financing. Kanmon assumes all credit risk. Loans funded in as little as 24 hours with durations typically 6-12 months and amounts up to $250,000 for term loans.
- Platform Partnership Fees: Revenue generated through partnerships with software platforms who embed Kanmon's lending products. Platforms receive revenue share or other commercial arrangements for bringing borrowers to the lending program.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Term Loans - Up to $250,000, 6-12 month terms |
| Transaction based/ take rate | Pay-as-you-go | Invoice Financing - Up to 90% of invoice value |
| Transaction based/ take rate | Monthly | Accounts Payable Financing - Fixed monthly repayments |
Go-to-market motion3 records
Distribution channels2 records
Marketing channels6 records
Kanmon product offering
Product offeringCore offering
Kanmon provides an embedded lending API infrastructure that enables vertical SaaS platforms, practice management software, digital supply chain platforms, and industry-specific business management platforms to offer white-labeled financial products to their SMB customers. Kanmon provides the capital, assumes all credit risk, and handles regulatory compliance (KYC/KYB/AML), underwriting, servicing, and collections while partner platforms offer term loans, lines of credit, invoice financing, accounts payable financing, and trade financing through their own interfaces. Integration via API can typically be completed within one week.
Product overview
Kanmon is an embedded lending platform that enables software platforms to offer financial products to their business customers. The core Embedded Lending Platform powers the offering, with individual products including Term Loans (6-12 months, up to $250,000), Lines of Credit, Invoice Financing (up to 90% upfront), Accounts Payable Financing, and Trade Financing. Kanmon Connect serves as the branded integration layer for B2B platforms seeking white-labeled lending solutions. All products are delivered through API-first integration with comprehensive compliance and risk management handled by Kanmon.
Differentiator
Problem solved
Functional benefit
Brands
- Kanmon Connect: Embedded lending platform product enabling software platforms to offer white-labeled lending solutions to their business customers.
Products and services
- Embedded Lending Platform Kanmon's core API-based platform enabling professional services software, practice management software, digital supply chain, and industry-specific business management platforms to offer embedded term loans, lines of credit, invoice financing, accounts payable financing, and trade financing to their SMB customers under the partner's branding.
- Term Loans Business loans with durations typically ranging from 6 to 12 months and loan amounts up to $250,000, structured to provide capital for expanding operational capacity, upgrading technology, or equipment purchases. Repaid via fixed monthly installments with APR disclosures and no prepayment penalties.
- Lines of Credit Revolving credit facilities that allow businesses to access capital as needed, providing flexible financing options for ongoing working capital requirements with progressive credit limits that grow with borrower behavior and business performance.
- Invoice Financing Allows businesses to immediately unlock the value of their receivables by getting paid upfront for invoices. Kanmon pays businesses up to 90% of invoice value upfront, and once the customer pays the invoice in full, Kanmon releases the remaining balance minus a small fee.
- Accounts Payable (AP) Financing Provides upfront funding for supplier payments with fixed monthly repayments, enabling businesses to keep shelves stocked and manage inventory costs without straining cash flow.
- Trade Financing Enables digital supply chain platforms to offer embedded trade financing, including purchase order financing that pays suppliers on behalf of businesses and invoice financing for businesses sending inventory to clients.
- Kanmon Connect An embedded finance solution and branded integration layer that enables B2B platforms to integrate lending capabilities, allowing software companies to offer bespoke, white-labeled lending products to their business customers and suppliers.
Quantifiable outcome
- 3x increase in ARPU within six months for platform partners
- +6 more outcomes
Companies that use Kanmon
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles4 records
Kanmon technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability3 records
Feature9 records
Kanmon partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and supporting.
- AstracoreKanmon uses Astra for third-party payment processing. By using their services, users agree to be bound by Astra's Terms of Service and Privacy Policy. Astra acts as a data controller for payment information and processes it in accordance with its own privacy policy.
- ExperiancoreKanmon integrates with Experian to access business credit data for underwriting decisions. Through this integration, Kanmon reviews business background information, financial data (sales, payment trends, credit utilization), banking/trade/collection history, public records (liens, bankruptcies, judgments), and credit scores/risk factors. Experian supports credit reporting for over 27 million businesses.
- SegmentsupportingKanmon uses Segment for analytics to collect information regarding visitor behavior and visitor demographics on their services, to provide tailored advertising, and to evaluate marketing efforts.
- FullstorysupportingKanmon uses Fullstory to collect information regarding visitor behavior and visitor demographics on their services.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Kanmon competitors and assessment
Company assessmentDirect peers
- Parafin: Parafin provides embedded financing infrastructure (capital, underwriting, compliance) for SaaS platforms and marketplaces — the closest direct competitor to Kanmon's vertical SaaS embedded lending offering.
- Pipe: Pipe offers revenue-based financing and embedded financial products for SaaS companies. Competes with Kanmon in embedding capital products within software platforms serving SMBs.
- Clearco: Clearco provides founder-friendly capital to e-commerce and SaaS companies through revenue-share and working capital products. Comparable to Kanmon in targeting SMBs via embedded, non-traditional underwriting.
- Unit: Unit is a banking-as-a-service platform enabling software companies to embed financial products including lending. Comparable in providing embedded financial infrastructure to vertical SaaS and marketplaces.
- Treasury Prime: Treasury Prime provides embedded banking and lending infrastructure for fintechs and SaaS platforms. Comparable API-first compliance-and-infrastructure model serving embedded finance use cases.
- Fundbox: Fundbox provides working capital and invoice financing to SMBs, often through software platform integrations. Comparable in product type (invoice financing, lines of credit) and SMB underwriting approach.
- Lendio: Lendio operates an SMB lending marketplace connecting borrowers with multiple lenders, often through embedded partner relationships. Comparable in serving SMB financing needs via technology-enabled distribution.
Broad incumbents
- Stripe Capital: Stripe Capital offers embedded working capital and lending products to Stripe-platform SMBs. Broad incumbent with massive distribution, comparable in product type but with vastly larger scale and balance sheet.
- Shopify Capital: Shopify Capital provides embedded merchant cash advances and loans to Shopify merchants. Same embedded-lending pattern as Kanmon but tied to Shopify's own massive merchant ecosystem.
Emerging players
- Sardine: Sardine provides fraud, KYC/KYB, and compliance infrastructure specifically designed for embedded finance platforms. Overlaps with Kanmon's compliance-as-infrastructure value proposition but focused on the risk layer rather than capital.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Kanmon social profiles
Digital presenceKanmon compliance and trust
Trust signalCompliance4 records
Kanmon financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kanmon leadership team
Management profileNumber of profiles
Profiles2 records
Kanmon funding detail
Funding detailFunding overview
Funding rounds2 records
Investors9 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kanmon M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kanmon
What does Kanmon do?
Kanmon provides an embedded lending API infrastructure that enables vertical SaaS platforms, practice management software, digital supply chain platforms, and industry-specific business management platforms to offer white-labeled financial products to their SMB customers. Kanmon provides the capital, assumes all credit risk, and handles regulatory compliance (KYC/KYB/AML), underwriting, servicing, and collections while partner platforms offer term loans, lines of credit, invoice financing, accounts payable financing, and trade financing through their own interfaces. Integration via API can typically be completed within one week.
Is Kanmon a public or private company?
Kanmon is a private company. It is classified as venture growth investor backed and is currently operating.
When was Kanmon founded?
Kanmon was founded in 2022. It employs 11 to 50 people.
Where is Kanmon based?
Kanmon is headquartered in San Mateo, United States, in the North America region.
How does Kanmon make money?
Two revenue lines are on record. Interest Income from Embedded Loans are the primary driver. The others are platform Partnership Fees.
Who are Kanmon's main competitors?
Direct peers on record are Parafin, Pipe, Clearco, Unit, Treasury Prime, Fundbox and Lendio. Broad incumbents are Stripe Capital and Shopify Capital. Sardine is listed as an emerging player.
Does Kanmon have an API?
Yes. Kanmon provides APIs that enable software platforms to embed lending solutions. The APIs allow for seamless integration, with platforms able to have fully-embedded lending experiences operational within days. The platform offers well-documented APIs for integration purposes, enabling software companies to offer term loans, lines of credit, invoice financing, and Accounts Payable financing to their business customers. Developer documentation is at kanmon.dev/docs.
What industry is Kanmon in?
Kanmon's product category is Embedded Lending Infrastructure. Its primary akta.pro industry code is BPAMAFAI, Fraud, Risk, KYC/AML & Compliance Platforms, with a secondary code of FSAMAMAK, Beneficial Ownership (UBO) & Corporate Registry Verification (KYB). Its NAICS code is 52222 and its SIC code is 6163.