The Fastest Path to Cash
at the Lowest Total Cost.

Other brokers find money.
Kayanda optimizes money.

The Kayanda Liquidity Optimization Engine™ is designed to do one thing: recommend the path that turns a receivable into cash by the business's deadline at the lowest estimated total cost among Kayanda's participating funding partners. Five layers work together, and the fifth makes the other four more accurate with every file. Kayanda starts with one market, U.S. government receivables, and one question: what is the cheapest way to turn this government receivable into cash by the date the contractor needs it?

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.

Businesses waiting 30–90+ days to get paid.

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.

Kayanda does not fund invoices.
Kayanda scores the payer.

Every lender in receivables finance underwrites the same thing: the business borrowing the money. That is the wrong question. A receivable is not repaid by the borrower — it is repaid by whoever owes the invoice. The decisive variable is when that payer actually pays, and almost nobody prices it directly.

Five steps from receivable
to funding decision.

Start My Money File™.

Your Money File™ is built, scored, and routed the moment you submit — no waiting on a review queue. Nothing here is a financing commitment, and nothing is shared with a funding partner until you authorize it below and choose to continue.

Document checklist.

• Invoice
• Executed contract or purchase order
• Proof of completed work
• Acceptance or invoice acknowledgment
• A/R aging report
• Business-formation documents
• EIN confirmation
• Recent business bank statements
• Debtor / accounts-payable contact
• Existing factoring or lien information
• Owner authorization
• Government contract identifiers (where applicable)

See What a Partner-Ready
Money File™ Looks Like.

Kayanda captures you first.
Then a partner takes over underwriting.

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.

Two moats. One compounds with
volume, one compounds with adoption.

A referral business has no moat — the fee is one-time, the relationship is non-exclusive, and anyone with a landing page can compete for the same borrower. Kayanda's strategy is to keep origination as the entry point and build two assets underneath it that get harder to copy every month they run. Both are stated here as the design of the business and its intended trajectory, not as completed positions.

A broker earns once.
A scoring layer earns every query.

The same origination produces two completely different businesses depending on where the value is captured. This is the structural argument for building the layer rather than expanding the referral desk.

The score, as an API call.

Score a receivable inside your own intake in one request. Every query returns the same tier, payment window, advance band, and reason codes the Kayanda site produces — and every outcome you report back sharpens the Payer Graph™ for everyone querying it.

curl -X POST https://www.kayandallc.com/api/v1/score \
  -H "X-Api-Key: kc_live_…" \
  -H "Content-Type: application/json" \
  -d '{
    "payer": "fed",
    "mechanism": "assign",
    "documentation": 90,
    "days_past_terms": 5,
    "concentration": 30
  }'

{
  "score": 866,
  "tier": 1,
  "tier_label": "High payment certainty",
  "advance_band": "85–92%",
  "estimated_payment_window": { "min_days": 12, "max_days": 25 },
  "reason_codes": [
    { "code": "P1", "impact": 0,
      "text": "Federal payer under the Prompt Payment Act …" },
    { "code": "M1", "impact": 60,
      "text": "Assignment of Claims filed …" }
  ],
  "model": { "version": "1.0-calibration", "status": "in_calibration" }
}

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.

How Kayanda makes money.

• Funding referral / revenue-share fees (launch model): Kayanda may receive compensation when an eligible transaction funds.
• Money File™ platform revenue: Capital providers may pay for qualified origination, intake workflow, document standardization, or routing infrastructure.
• Embedded account & payment economics (Phase 2 — not currently active): Potential account, card, payment, and interchange economics through approved banking and infrastructure partners.
• Payment Certainty Score™ API licensing: Metered per-query plans for lenders, factors, and platforms scoring receivables inside their own underwriting — keys issued automatically on checkout.
• Enterprise implementation revenue: Payment-workflow, instant-payout, and stablecoin-readiness engagements for selected fintechs and platforms.

Today, next,
and later.

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.

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 privacy policy for how Kayanda approaches data handling more broadly.

Common questions.