# Kanmon

**Canonical:** https://apis.io/providers/kanmon/  
**Website:** https://www.kanmon.com  
**APIs profiled:** 14

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.

## Kin Score — 40.8 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 40.8).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 61.5 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 48.2 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

## Agent readiness — 51.1 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | verified |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (14)

- **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.

## MCP servers (1)

- **Kanmon MCP Server**

## Agentic access (1)

- **Kanmon Agentic Access** — 35 operations · 14 acting · 1 human-in-the-loop

## Security (2)

- **Kanmon Authentication** — apiKey · 1 scheme
- **Kanmon Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Fintech, Embedded Finance, Embedded Lending, Lending, Working Capital, Invoice Financing

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/kanmon/). Scores are computed from the provider's own public artifacts under a published rubric.