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Kayanda Capital · AI-Powered Receivables Fintech

Get Paid Upfront on
Eligible Invoices.

Submit an unpaid invoice, approved receivable, government contract, or completed-work documentation. Kayanda creates a partner-ready Money File™ and connects qualified businesses with third-party funding partners offering upfront working-capital options.

No obligation to accept. Funding amounts, timing, pricing, advance rates, reserves, recourse, and eligibility are determined by the funding partner after verification and underwriting. Funding is not guaranteed.
Start My Money File™ See How It Works
AI-powered receivables fintech · Not a bank or direct lender
1
Money File™ per
submission — reused across partners
$0
Credit risk carried by
Kayanda — funding partner underwrites
2018
Kayanda LLC founded ·
12+ yrs gov't contracting
Not a bank or lender.  Kayanda creates your Money File™ and routes qualified files to a third-party funding partner, who independently verifies, underwrites, and funds. Kayanda may earn a referral fee when a transaction funds — funding is never guaranteed.
Built for institutional payment cycles
Built for Businesses Waiting
on Institutional Payments.

Kayanda LLC brings government-procurement experience to the receivables-finance workflow. Kayanda organizes contracts, purchase orders, invoices, proof of performance, debtor information, and payment documentation into a standardized Money File™ designed for preliminary capital-partner review.

01Federal, state & local government contractors
02Prime contractors and subcontractors
03Technology and professional-services vendors
04Infrastructure and facilities providers
05Healthcare and institutional vendors
06Staffing and workforce providers
07Transportation and logistics contractors
08Suppliers waiting on approved institutional invoices
Who it's for
Businesses waiting 30–90+ days to get paid.
Priority
Government Contractors
Prime and sub, waiting on institutional payment cycles.
Priority
Medical & Healthcare Vendors
Invoices tied to institutional payers and long terms.
Priority
Staffing Companies
Payroll goes out weekly; client invoices pay net-30 to net-90.
Priority
Transportation & Logistics
Loads delivered, invoices pending, fuel and payroll due now.
Priority
Cleaning & Facilities Providers
Recurring institutional contracts, slow accounts-payable cycles.
Priority
IT & Professional Services
Milestone or completion-based invoices on enterprise terms.
Priority
Suppliers & Subcontractors
Work completed, approved, and waiting on a prime's payment cycle.
General
Other B2B Businesses
Any business waiting 30–90+ days for an approved invoice.
Kayanda's core product
Every Application Becomes
a Money File™.

Kayanda's Money File™ converts fragmented receivable information into a standardized, permissioned package intended to reduce intake friction and improve preliminary funding-partner review. Kayanda assesses preliminary readiness. Funding partners independently verify, underwrite, establish terms, and make all funding decisions.

Company & applicant identity
Beneficial-owner information
Government or commercial customer
Contract & purchase-order information
Invoice amount
Requested advance
Invoice & payment dates
Payment terms
Proof of completed work
Acceptance / invoice acknowledgment
Accounts-payable contact
Receivable-aging data
Customer concentration
Existing liens
Current factoring relationships
Assignment / consent considerations
Missing-document checklist
Preliminary readiness score
Partner-routing profile
Applicant authorization & funding-status history
How it works
Five steps from receivable
to funding decision.
01Submit the receivable. Provide an invoice, approved contract, purchase order, or evidence of completed work and money owed.
02Kayanda creates the Money File™. Kayanda organizes the documentation, identifies missing information, and assesses preliminary readiness.
03Kayanda reviews partner fit. Kayanda evaluates the industry, debtor type, transaction size, payment timing, documentation, and partner criteria.
04Qualified files move to a funding partner. FundThrough or another selected third-party funding partner independently verifies the receivable, underwrites the transaction, and presents its own terms.
05The business decides. If the applicant accepts and the transaction funds, the business receives the proceeds. Kayanda may receive compensation under its agreement with the funding partner.
Start here
Start My Money File™.

This form is reviewed by Kayanda only. Nothing here is a financing commitment, and no information is shared with a funding partner until you authorize it below.

Business Information
Receivable Information
Documents
This form does not yet upload files to a secure server. After you submit, an email will open with your information — please attach these documents directly to that email, or a Kayanda team member will follow up with a secure upload link.
Authorizations
Money File™ started. Kayanda will review the submitted information and identify potential funding-partner matches. This is not an approval, financing commitment, or guarantee of funding. Additional documentation or secure follow-up may be required. An email draft has opened — please review and send it, attaching any documents mentioned above.
What to have ready
Document checklist.
See it first
See What a Partner-Ready
Money File™ Looks Like.
An anonymized, illustrative example — fictional company, fictional numbers — showing how Kayanda structures a Money File™ for funding-partner review.
Download Sample Anonymized Money File™
What happens after you submit
Kayanda captures you first.
Then a partner takes over underwriting.
Kayanda intake
↓
Money File™ begins
↓
Kayanda reviews preliminary fit
↓
Qualified applicant receives an attributed Kayanda/FundThrough handoff
↓
FundThrough independently completes onboarding and underwriting
Kayanda may route qualified opportunities to FundThrough or another third-party funding partner. Each funding partner maintains its own eligibility standards, underwriting process, pricing, legal structure, terms, and funding decision. Kayanda is not affiliated with, endorsed by, or in a confirmed partnership with FundThrough unless and until Kayanda has written permission to say so; the handoff link below is a placeholder pending that agreement.

Configuration: set FUNTHROUGH_PARTNER_URL in your deployment environment once a partner agreement and attributed URL exist. Until then this handoff step is described here for transparency and is not yet an active link.
For capital partners
For Capital
Partners.

Kayanda provides standardized, permissioned receivables files intended to reduce intake friction, improve preliminary review quality, and create access to specialized government-contractor and B2B distribution.

What Kayanda brings

  • Money File™ standardization across every applicant
  • Government-contractor acquisition and origination
  • Applicant authorization captured up front
  • Industry and debtor classification
  • Transaction-size profile

How it's structured

  • Preliminary readiness scoring & missing-document identification
  • Structured, nonexclusive partner routing — multiple partners, not one
  • Funding-status tracking
  • No credit risk retained by Kayanda; no underwriting decisions made by Kayanda
  • Potential embedded-intake and API pathway

Interested in receiving
qualified Money Files™?

Become a Funding Partner
Origination engine
Government-Contractor
Acquisition Engine.

This is Kayanda's intended origination workflow. It describes the design of the engine, not a claim that every step already runs automatically today.

Public contract or award identified
↓
Awarded business classified
↓
Likely payment-cycle pressure estimated
↓
Contractor invited to start a Money File™
↓
Contracts, invoices & performance documents organized
↓
Preliminary readiness reviewed
↓
Qualified file routed to a capital partner
↓
Funding status & repeat receivables monitored
Business model
How Kayanda makes money.
Roadmap
Today, next,
and later.
Today
Live

Invoice → Money File™ → Funding

  • Invoice intake & Money File™ intelligence
  • Preliminary readiness assessment
  • Funding-partner routing
  • Referral & platform economics
Next
Subject to approval

Kayanda Flow Account

  • Virtual-card access to funded proceeds
  • Account & payment infrastructure
  • Subject to sponsor-bank, compliance & production approval
Later
Roadmap

Embedded Capital & Settlement

  • Supplier financing & payout acceleration
  • Embedded capital, automated repayment workflows
  • Stablecoin-enabled settlement through regulated partners
Secondary offer — for fintechs & platforms
Stablecoin & Instant-Payout
Readiness Audit.

A structured review for fintechs, lenders, payroll platforms, and factoring companies evaluating instant or stablecoin-enabled settlement. This is a separate enterprise engagement, not part of the invoice-advance flow above.

"Can your company safely support instant stablecoin payouts?"

Payment-stack assessment, stablecoin-use-case analysis, compliance and risk-gap review, instant-payout architecture, vendor and partner requirements, implementation roadmap, and executive briefing.

$5,000 – $10,000 Starting price · scoped per engagement
Request Stablecoin Audit
Security & control
You control what
gets shared, and with whom.

Your Money File™ is not shared with a funding partner until you authorize it in the intake form above. See Kayanda's security page for how Kayanda approaches data handling more broadly.

FAQ
Common questions.
Is Kayanda Capital a bank?
No. Kayanda Capital is an AI-powered receivables fintech and referral platform. It does not operate as a bank or directly lend money.
Does Kayanda approve financing?
No. Third-party funding partners independently verify, underwrite, establish terms, and decide whether to fund.
What receivables may qualify?
Eligibility varies by partner. Stronger files commonly involve completed work, valid invoices, identifiable debtors, clear payment terms, and supporting documentation.
How quickly can funding occur?
Timing depends on documentation, debtor verification, underwriting, and the selected funding partner. No timing is guaranteed.
How does Kayanda get paid?
Kayanda may receive a referral, revenue-share, origination, or platform fee from a funding partner when a transaction funds.
Is invoice factoring always a loan?
No. Some transactions may involve the purchase of receivables rather than a loan. The funding partner explains the legal structure and terms.
Can government contractors apply?
Yes, subject to contract terms, assignment requirements, debtor verification, and partner underwriting.
Is funding guaranteed?
No.

Start turning what you're owed
into a Money File™.

No obligation to accept. Funding is determined by the funding partner and is never guaranteed.

Start My Money File™
Disclosure. Kayanda Capital is not a bank or direct lender and does not make credit decisions. Third-party funding partners independently verify information, conduct underwriting, determine eligibility, establish pricing and terms, and decide whether to fund. Funding is not guaranteed. Timing, advance rates, pricing, reserves, recourse, and eligibility vary. Kayanda may receive compensation from funding partners. Submission of information does not create a financing commitment, advisory relationship, or guarantee. Kayanda Capital is a product of Kayanda LLC (registered New York, 2018) and is not a broker-dealer, investment adviser, insurance company, or money transmitter. Kayanda is not affiliated with, endorsed by, or in a confirmed partnership with FundThrough, Chime, Klarna, Chainalysis, Plaid, QuickBooks/Intuit, or any other company named on this page unless a written agreement exists; references are for illustrative or comparison purposes only. A deposit account, card issuing, and stablecoin settlement (Kayanda Flow and the Flow Card) are planned Phase 2 capabilities that do not exist today and would require applicable state and federal licensing before launch. Nothing on this page is legal, tax, or investment advice, or an offer of securities, credit, or deposit products.