Kanmon
Turnkey embedded lending stack that lets vertical SaaS platforms offer working capital to SMBs without credit risk.
Overview
Kanmon is an embedded lending platform that enables vertical SaaS companies, marketplaces, neobanks, and B2B payments companies to offer fully regulated working capital financing — including term loans, lines of credit, invoice financing, and accounts payable financing — directly within their own products. Partner platforms integrate via API or an embedded web SDK, and Kanmon handles the entire lending stack: underwriting, KYC/KYB/AML compliance, funding, servicing, and collections. Kanmon provides the capital itself and assumes all credit risk. The platform is designed for speed and minimal engineering lift: software integration takes about one week, with a full lending program live within a month. Underwriting takes under ten minutes for end customers, and funds are typically disbursed within one business day. Kanmon is a licensed lender in all U.S. states where it operates, so platform partners do not need to navigate state-by-state commercial lending regulations. Key differentiators include the fully turnkey model (capital + compliance + servicing all from Kanmon), no embedded payments prerequisite, a soft-pull credit process, and a modular architecture that lets partners configure tailored loan products. Customers include FIS, SPS Commerce, PingPong, NorthOne, Avionté, Nuvei, and TikTok Shop.
Key features
- Multiple loan products configurable
- Turnkey capital and credit risk
- API plus embedded web SDK
- Full KYC, KYB, AML stack
- Hands-free servicing and collections
Vertical focus
horizontal
Notable customers
SPS Commerce, PingPong, NorthOne, Avionté, FIS
At a glance
| Category | lending |
|---|---|
| Model | ["api_first","white_label"] |
| Pricing | ["revenue_share","custom"] |
| Revenue share | Not disclosed |
| Best company size | ["smb","mid_market","enterprise","growth"] |
| Minimum volume | Not disclosed |
| Time to launch | weeks |
| Technical complexity | low |
| PCI scope | not_applicable |
| Founded | 2021 |
| Funding stage | seed |
| Website | https://kanmon.com |
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