Embedded Finance
by Kaya

Finance your materials purchases with the best terms in the industry for builders, and instant payments for suppliers.

Pay flexibly, get paid instantly.

Buyers: Extended Terms

Extend your payment terms with flexible financing, approved in minutes.

Sellers: Instant Payouts

Get paid instantly; eliminate held up deliveries.

Automatic Reconciliation

Full transaction settlement and invoice tracking.

Payments Infrastructure

Offer financing for your customers without the risk.

Accelerate Receivables

Enable users to get paid immediately

Defer
Payables

Extend payment terms up to 90 days

Enable Smoother Cashflow

Collapse the Cashflow Conversion Cycle

Waitlist

Eligibility

  • Eligibility is determined based on a combination of factors, including historical business data, a company’s transaction volume and history on the platform, and financial statement/bank account data. Typically, offers are only extended to businesses that have been incorporated for at least 12 months.

  • Yes. Based on a combination of factors and available data, you can be pre-approved for short-term financing.

  • Yes. The credit-worthiness can improve over time as your transaction history grows on the platform.

Funding

  • If you enter your information correctly on the platform, the offer could take 15-30 seconds to generate automatically.

  • After being approved, you’ll see the funds in your account typically in 1-2 business days.

Repayment

  • The repayment period depends on the net terms outlined in the offer. The repayment will be automatically debited from the account.

  • The cost is one flat fee that does not change. The fee does differ based on net terms. For example, a higher fee is charged for an offer for 90-day terms compared to 30-day terms. You won’t pay any interest on top of this fee.