Kanmon

Kanmon is an embedded-lending platform that lets vertical SaaS and business-management software offer working capital to their customers without becoming a lender themselves. Through the Kanmon Public V2 REST API and the embeddable Kanmon Connect UI, platforms can originate term loans, lines of credit, invoice financing, Accounts Payable financing, and integrated merchant cash advances. Kanmon is the licensed lender and owns underwriting, compliance, and credit risk, while partners integrate financing directly into their existing product with API keys, official SDKs, prebuilt borrower UI components, and outbound webhooks.

Kanmon publishes 14 APIs on the APIs.io network, including Bank Accounts API, Businesses API, Connect Tokens API, and 11 more. Tagged areas include Company, Fintech, Embedded Finance, Embedded Lending, and Lending.

The Kanmon catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Kanmon’s developer surface includes authentication, sandbox, documentation, API reference, engineering blog, support, and 21 more developer resources.

🌐 Visit website 📡 Source on GitHub

39.5/100 developing ▬ flat Agent 38/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

1 APIs

Company Fintech Embedded Finance Embedded Lending Lending Working Capital Invoice Financing

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 39.5/100 · developing

Contract Quality 13.3 / 23

Developer Ergonomics 8.7 / 18

Access Clarity 3.8 / 18

Operational Transparency 1.2 / 12

Contract Governance 0.5 / 11

Discoverability 6.2 / 9

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 38/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/kanmon: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 14

Individual APIs this provider publishes, each with its own machine-readable definition.

Kanmon Bank Accounts API

The Bank Accounts API from Kanmon — 2 operation(s) for bank accounts.

Kanmon Businesses API

The Businesses API from Kanmon — 3 operation(s) for businesses.

Kanmon Connect Tokens API

The Connect Tokens API from Kanmon — 1 operation(s) for connect tokens.

Kanmon Documents API

The Documents API from Kanmon — 1 operation(s) for documents.

Kanmon Draw Requests API

The Draw Requests API from Kanmon — 2 operation(s) for draw requests.

Kanmon Embedded Sessions API

The Embedded Sessions API from Kanmon — 1 operation(s) for embedded sessions.

Kanmon Integrated MCA API

The Integrated MCA API from Kanmon — 2 operation(s) for integrated mca.

Kanmon Invoices API

The Invoices API from Kanmon — 3 operation(s) for invoices.

Kanmon Issued Products API

The Issued Products API from Kanmon — 2 operation(s) for issued products.

Kanmon Offers API

The Offers API from Kanmon — 2 operation(s) for offers.

Kanmon Payments API

The Payments API from Kanmon — 3 operation(s) for payments.

Kanmon Prequalifications API

The Prequalifications API from Kanmon — 1 operation(s) for prequalifications.

Kanmon Sandbox Utilities API

The Sandbox Utilities API from Kanmon — 2 operation(s) for sandbox utilities.

Kanmon Users API

The Users API from Kanmon — 3 operation(s) for users.

Scroll for all 14

Open Collections 15

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Kanmon Public V2 Bank Accounts API

OPEN COLLECTION

Kanmon Public V2 Bank Accounts Businesses API

OPEN COLLECTION

Kanmon Public V2 Bank Accounts Connect Tokens API

OPEN COLLECTION

Kanmon Public V2 Bank Accounts Documents API

OPEN COLLECTION

Kanmon Public V2 Bank Accounts Draw Requests API

OPEN COLLECTION

Kanmon Public V2 Bank Accounts Embedded Sessions API

OPEN COLLECTION

Kanmon Public V2 Bank Accounts Integrated MCA API

OPEN COLLECTION

Kanmon Public V2 Bank Accounts Invoices API

OPEN COLLECTION

Kanmon Public V2 Bank Accounts Issued Products API

OPEN COLLECTION

Kanmon Public V2 Bank Accounts Offers API

OPEN COLLECTION

Kanmon Public V2 Bank Accounts Payments API

OPEN COLLECTION

Kanmon Public V2 Bank Accounts Prequalifications API

OPEN COLLECTION

Kanmon Public V2 Bank Accounts Sandbox Utilities API

OPEN COLLECTION

Kanmon Public V2 Bank Accounts Users API

OPEN COLLECTION

Scroll for all 15

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Kanmon Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Kanmon Authentication

apiKey · 1 scheme

SECURITY

Kanmon Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Kanmon Agentic Access

35 operations · 14 acting · 1 human-in-the-loop

35 operations · 14 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

Sandbox

Sandbox

DeveloperPortal

DeveloperPortal

Documentation 3

Reference material describing how the API behaves

OpenAPI

OpenAPI

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

DataModel

Components

Webhooks

Scroll for all 7

Build 3

SDKs, sample code, and the tooling you integrate with

Packages

Packages

SDKs

SDKs

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Blog

Blog

Website

Website

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: kanmon
name: Kanmon
description: Kanmon is an embedded-lending platform that lets vertical SaaS and business-management software offer working
  capital to their customers without becoming a lender themselves. Through the Kanmon Public V2 REST API and the embeddable
  Kanmon Connect UI, platforms can originate term loans, lines of credit, invoice financing, Accounts Payable financing, and
  integrated merchant cash advances. Kanmon is the licensed lender and owns underwriting, compliance, and credit risk, while
  partners integrate financing directly into their existing product with API keys, official SDKs, prebuilt borrower UI components,
  and outbound webhooks.
url: https://raw.githubusercontent.com/api-evangelist/kanmon/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- homebrew
x-tier: active
x-tier-reason: enriched-provider
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
image: https://files.readme.io/c09d869-small-kanmon_logoicon_bw_black.png
tags:
- Company
- Fintech
- Embedded Finance
- Embedded Lending
- Lending
- Working Capital
- Invoice Financing
tags_raw:
- Company
- Fintech
- Embedded Finance
- Embedded Lending
- Lending
- Working Capital
- Invoice Financing
- API
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: kanmon:kanmon-bank-accounts-api
  name: Kanmon Bank Accounts API
  description: The Bank Accounts API from Kanmon — 2 operation(s) for bank accounts.
  humanURL: https://kanmon.dev
  baseURL: https://api.kanmon.com
  tags:
  - Bank Accounts
  properties:
  - type: OpenAPI
    url: openapi/kanmon-bank-accounts-api-openapi.yml
- aid: kanmon:kanmon-businesses-api
  name: Kanmon Businesses API
  description: The Businesses API from Kanmon — 3 operation(s) for businesses.
  humanURL: https://kanmon.dev
  baseURL: https://api.kanmon.com
  tags:
  - Businesses
  properties:
  - type: OpenAPI
    url: openapi/kanmon-businesses-api-openapi.yml
- aid: kanmon:kanmon-connect-tokens-api
  name: Kanmon Connect Tokens API
  description: The Connect Tokens API from Kanmon — 1 operation(s) for connect tokens.
  humanURL: https://kanmon.dev
  baseURL: https://api.kanmon.com
  tags:
  - Connect Tokens
  properties:
  - type: OpenAPI
    url: openapi/kanmon-connect-tokens-api-openapi.yml
- aid: kanmon:kanmon-documents-api
  name: Kanmon Documents API
  description: The Documents API from Kanmon — 1 operation(s) for documents.
  humanURL: https://kanmon.dev
  baseURL: https://api.kanmon.com
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/kanmon-documents-api-openapi.yml
- aid: kanmon:kanmon-draw-requests-api
  name: Kanmon Draw Requests API
  description: The Draw Requests API from Kanmon — 2 operation(s) for draw requests.
  humanURL: https://kanmon.dev
  baseURL: https://api.kanmon.com
  tags:
  - Draw Requests
  properties:
  - type: OpenAPI
    url: openapi/kanmon-draw-requests-api-openapi.yml
- aid: kanmon:kanmon-embedded-sessions-api
  name: Kanmon Embedded Sessions API
  description: The Embedded Sessions API from Kanmon — 1 operation(s) for embedded sessions.
  humanURL: https://kanmon.dev
  baseURL: https://api.kanmon.com
  tags:
  - Embedded Sessions
  properties:
  - type: OpenAPI
    url: openapi/kanmon-embedded-sessions-api-openapi.yml
- aid: kanmon:kanmon-integrated-mca-api
  name: Kanmon Integrated MCA API
  description: The Integrated MCA API from Kanmon — 2 operation(s) for integrated mca.
  humanURL: https://kanmon.dev
  baseURL: https://api.kanmon.com
  tags:
  - Integrated MCA
  properties:
  - type: OpenAPI
    url: openapi/kanmon-integrated-mca-api-openapi.yml
- aid: kanmon:kanmon-invoices-api
  name: Kanmon Invoices API
  description: The Invoices API from Kanmon — 3 operation(s) for invoices.
  humanURL: https://kanmon.dev
  baseURL: https://api.kanmon.com
  tags:
  - Invoices
  properties:
  - type: OpenAPI
    url: openapi/kanmon-invoices-api-openapi.yml
- aid: kanmon:kanmon-issued-products-api
  name: Kanmon Issued Products API
  description: The Issued Products API from Kanmon — 2 operation(s) for issued products.
  humanURL: https://kanmon.dev
  baseURL: https://api.kanmon.com
  tags:
  - Issued Products
  properties:
  - type: OpenAPI
    url: openapi/kanmon-issued-products-api-openapi.yml
- aid: kanmon:kanmon-offers-api
  name: Kanmon Offers API
  description: The Offers API from Kanmon — 2 operation(s) for offers.
  humanURL: https://kanmon.dev
  baseURL: https://api.kanmon.com
  tags:
  - Offers
  properties:
  - type: OpenAPI
    url: openapi/kanmon-offers-api-openapi.yml
- aid: kanmon:kanmon-payments-api
  name: Kanmon Payments API
  description: The Payments API from Kanmon — 3 operation(s) for payments.
  humanURL: https://kanmon.dev
  baseURL: https://api.kanmon.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/kanmon-payments-api-openapi.yml
- aid: kanmon:kanmon-prequalifications-api
  name: Kanmon Prequalifications API
  description: The Prequalifications API from Kanmon — 1 operation(s) for prequalifications.
  humanURL: https://kanmon.dev
  baseURL: https://api.kanmon.com
  tags:
  - Prequalifications
  properties:
  - type: OpenAPI
    url: openapi/kanmon-prequalifications-api-openapi.yml
- aid: kanmon:kanmon-sandbox-utilities-api
  name: Kanmon Sandbox Utilities API
  description: The Sandbox Utilities API from Kanmon — 2 operation(s) for sandbox utilities.
  humanURL: https://kanmon.dev
  baseURL: https://api.kanmon.com
  tags:
  - Sandbox Utilities
  properties:
  - type: OpenAPI
    url: openapi/kanmon-sandbox-utilities-api-openapi.yml
- aid: kanmon:kanmon-users-api
  name: Kanmon Users API
  description: The Users API from Kanmon — 3 operation(s) for users.
  humanURL: https://kanmon.dev
  baseURL: https://api.kanmon.com
  tags:
  - User
  tags_raw:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/kanmon-users-api-openapi.yml
common:
- type: OpenAPI
  url: openapi/_original/kanmon-openapi-original.yml
- type: Overlay
  url: overlays/kanmon-openapi-overlay.yaml
- type: Authentication
  url: authentication/kanmon-authentication.yml
- type: AgenticAccess
  url: agentic-access/kanmon-agentic-access.yml
- type: DomainSecurity
  url: security/kanmon-domain-security.yml
- type: Packages
  url: packages/kanmon-packages.yml
- type: SDKs
  url: packages/kanmon-packages.yml
- type: X-MCPServerCandidate
  url: mcp/kanmon-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/kanmon-llms.txt
- type: Conformance
  url: conformance/kanmon-conformance.yml
- type: ErrorCatalog
  url: errors/kanmon-problem-types.yml
- type: Lifecycle
  url: lifecycle/kanmon-lifecycle.yml
- type: Conventions
  url: conventions/kanmon-conventions.yml
- type: DataModel
  url: data-model/kanmon-data-model.yml
- type: Sandbox
  url: sandbox/kanmon-sandbox.yml
- type: Components
  url: components/kanmon-components.yml
- type: Webhooks
  url: asyncapi/kanmon-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DeveloperPortal
  url: https://kanmon.dev
- type: Documentation
  url: https://kanmon.dev
- type: APIReference
  url: https://kanmon.dev
- type: GitHubOrganization
  url: https://github.com/Kanmon
- type: Blog
  url: https://www.kanmon.com/blog
- type: Support
  url: https://www.kanmon.com/contact-us
- type: TermsOfService
  url: https://www.kanmon.com/terms-of-service
- type: PrivacyPolicy
  url: https://www.kanmon.com/privacy-policy
- type: Website
  url: https://www.kanmon.com
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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