Kanmon

What it is

Kanmon is Kanmon Inc.’s embedded working-capital infrastructure for companies that serve business customers and want to offer financing inside their product without becoming the lender. Homepage title and eyebrow: Embedded Working Capital. Working capital delivered on the rails. Homepage: Kanmon threads financing through the software your customers already live in, without making you a lender. Partnership Overview: you are the channel; Kanmon is the infrastructure. Kanmon states it does not run a direct-to-business lending channel and grows when partners grow.

Product structures on the current homepage: Working capital structured as term loans or revolving lines; Invoice financing (advance against outstanding invoices, reconciled when payment arrives); Buyer financing (Kanmon pays the vendor on day one, business repays on extended terms tuned to its cash cycle); Revenue-based financing (advance against forward revenue with a fixed percentage of each month’s revenue until repaid). Site footer: capital is made available through business loans, lines of credit, and advances. FAQ Products and FAQ Partners also print working capital, invoice financing, buyer financing, and revenue-based repayment, and say the right structure is determined by borrower data rather than a fixed product menu. Illustrative homepage scenarios include an $85,000 working-capital advance repaid over 12 months and a $28,000 buyer-financing vendor payment on Net 60. Those are example scenarios on the marketing page, not a public rate card or guarantee.

Integration is a single REST API path on Integration and Partnership Overview: connect transactional and operational data the partner already captures (orders, invoices, payments, job completions), configure which capital structures and white-label surfaces apply, then controlled launch. API surfaces named on Integration: offer generation, offer delivery, acceptance and agreements (digital credit agreements, e-signature, ACH authorization), disbursement to business bank accounts or direct vendor payment for AP structures, repayment and servicing via ACH collection scheduling, and partner reporting for revenue share and portfolio performance. Most integrations are marketed as completing in 4 to 8 weeks. Public API docs at kanmon.dev/docs are password-protected as of research. Partner CTAs are Talk to our team, Start the conversation, and Let’s talk on Contact.

This page is Kanmon embedded working capital for B2B platforms and business networks: financing a software or distribution partner offers to its business customers. Adjacent Kanmon surfaces are Kanmon’s. They are not this page. The For Business Owners education path, Field Notes, and use-case guides are Kanmon’s. They are not this page.

Who it’s for

Partner shapes, from Kanmon’s Who It’s For, Partnership Overview, homepage, and FAQ:

• Operations and management tools, commerce and marketplaces, financial-operations tools, payments and transaction products, distribution and supply-chain networks, and workforce or staffing platforms, which Who It’s For names as the companies whose business customers run jobs, orders, money, payments, goods, or payroll through the partner product or network.
• Software platforms and non-tech-native networks with SMB relationships and operating data, which Partnership Overview and FAQ treat as the fit: customers are businesses not consumers; the product captures payments, invoices, orders, or job history; customers have recurring capital needs; there is an established trust relationship.
• Partners that do not want to become lenders, which About, Partnership Overview, and FAQ sell as the division of labor: partner owns channel, brand, and customer relationship; Kanmon owns underwriting, compliance, capital deployment, servicing, collections, and credit risk. FAQ and Who It’s For also state a payments product is not required before offering working capital.

Partner intake is Talk to our team on the homepage, Start the conversation on Who It’s For, Let’s talk on Contact, and a four-phase path on Partnership Overview: Discovery, Structure (revenue share, product scope, data sharing), Integration (API, docs, sandbox, typically 4 to 8 weeks), Launch (controlled rollout). That is a sales and solutions conversation, not a public self-serve partner live start. For Business Owners copy describes how end businesses see pre-qualified offers inside partner software; that borrower path is not a Kanmon direct consumer or D2C lending channel on Partnership Overview.

It is a fit for a B2B software or business-network company that wants branded or API-embedded SME capital inside the product, will complete a partnership conversation, and does not want to hold lending licenses, capital commitment, or credit-loss liability itself.

Standout details

• Platform Capital surface (current pages). kanmon.com is platform-first: embed working capital in partner software under the partner brand, revenue share, Kanmon as licensed lender. Partnership Overview: no direct-to-business lending channel. Who It’s For and FAQ name software, distributors, franchise networks, and marketplace operators. For Business Owners is the education surface for partner customers who receive offers inside software. Treat this listing as the platforms / offer-to-business-customers product, not a Kanmon D2C consumer loan brand.
• Offer structure and repayment (as printed). Homepage Working capital: term loans or revolving lines. Invoice financing: advance a percentage of qualifying invoices, reconcile when payment arrives. Buyer financing: Kanmon pays the vendor day one; business repays on extended terms (example Net 60). Revenue-based financing: advance against forward revenue; fixed percentage of each month’s revenue until repaid. Footer: business loans, lines of credit, and advances. How It Works for business owners: see amount, cost in plain dollars, and repayment schedule; capital typically available within one business day; repayments collected via ACH on the disclosed schedule; early payoff always allowed, no penalty. FAQ: Kanmon earns a fee included in the total cost of borrowing shown in the offer; no hidden fees on the printed claim; viewing an offer does not affect credit; accepting may result in a soft inquiry depending on the product. Disclosures FAQ: APR, total cost of borrowing, repayment schedule, and ACH authorization terms are presented before accept. This listing does not reprint a fee schedule. Homepage illustrative amounts ($85,000 / 12 months; $28,000 Net 60) are marketing examples, not published limits or pricing.
• Eligibility and geography (as printed). Offers are generated from partner-shared business activity (revenue, payment patterns, operating history) plus business credit and bank data on Partnership Overview underwriting copy. Meeting partner data criteria does not guarantee an offer on For Business Owners. FAQ: Kanmon holds required lending licenses in all states where it operates; California DFPI Finance Lenders Law License #60DBO-144925 is the only license number printed on the footer and FAQ. Terms and Privacy use a San Mateo, California compliance address. No public country list outside the US-focused licensing and address copy was found on the surfaces used for this listing. Do not invent non-US live markets from third-party directories.
• Ops and pricing. Intake: Talk to our team, Start the conversation, Let’s talk / Contact. Partnership phases: Discovery, Structure, Integration, Launch. Integration marketed at 4 to 8 weeks with sandbox and dedicated support. Economics page: ongoing revenue share on net revenue from active portfolios; no capital commitment, no reserve, no credit-loss exposure for the partner; percentage terms are not published and are agreed in the partner contract per FAQ. kanmon.com/pricing returns 404. Public API docs at kanmon.dev/docs require a password. Public pricing: not published. Production for a new platform is sales-led.
• License and legal (as printed). Originator posture as in license_posture: Kanmon Inc. as licensed lender of record; DFPI #60DBO-144925 for California loans; FAQ claims licenses in all states where Kanmon originates. Partnership and About: Kanmon deploys its own capital and bears borrower credit risk. Privacy Policy also states information may be shared with funding partners and loan partners. Treat own-capital / lender-of-record marketing and Privacy partner-sharing language as vendor copy that should be confirmed in diligence; this listing does not invent a named bank originator because none is printed on the product, FAQ, or footer surfaces used here. FAQ: BSA/AML program with CIP and beneficial ownership verification; fair-lending testing claimed; SOC 2 certified on FAQ. FAQ Compliance link text points to a Compliance and Trust page; /compliance and /compliance-and-trust returned 404 at research. Ask Kanmon for the live compliance URL.
• Scale figures and company facts. Public marketing pages used for this listing do not print a single funded-volume, merchant-count, or partner-count headline comparable to peer Capital product pages. Buyer’s guide cites Federal Reserve Small Business Credit Survey stats as market context, not Kanmon portfolio metrics. Founded year is not printed on About, homepage, Terms, or Privacy. Headquarters in frontmatter follows Terms, Privacy, and FAQ compliance address: 400 Concar Dr, San Mateo, CA 94402. Terms: Delaware corporation. Third-party directories often print founded 2021; that year is not confirmed on the Kanmon pages used here.
• Named on current Kanmon product or testimonial surfaces (vendor-named): SPS Commerce (homepage testimonial image and quote from Margarita Womack about financing available within SPS Commerce). Attribute as Kanmon-named partner and quote, not as independent verification.

Sources: Kanmon, How it works, Partnership overview, Who it’s for, Economics, Integration, For business owners, FAQ, About us, Contact, Terms of Service, Privacy Policy, Embedded working capital buyer’s guide, API docs (password-protected).

Honest verdict

Kanmon is the listing to read when the job is embedded working capital for a B2B software platform’s or business network’s SMB customers: API white-label financing, ACH repayment on a disclosed schedule, multiple capital structures sized from partner operating data, and Kanmon stating it is the licensed lender of record so the platform does not take credit risk or lending licenses. The For Business Owners education path, Field Notes, and use-case guides are Kanmon’s. They are not this page.

What it is not: a published platform rate card, a self-serve partner live start with no partnership conversation, financing for consumers rather than businesses, or consumer checkout installment credit as the core product. Talk to our team and Start the conversation are the intake. Financing type on current pages spans term loans, revolving lines, invoice advances, buyer financing, and revenue-based financing, with footer wording of loans, lines of credit, and advances. Kanmon prints California DFPI license #60DBO-144925 and claims licenses where it operates, while Privacy Policy also names funding partners and loan partners among parties that may receive personal information. Product-structure lists and capital-ownership wording should be confirmed in diligence because FAQ, homepage, and Privacy do not tell one identical story. If you will not complete a partnership conversation, stop. If the job is branded SME capital inside your B2B product for business customers you already see operate, start here.