Kintai provides on‑demand working‑capital financing for SMEs and freelancers, delivering funding proposals within 72 hours through automated credit assessment that connects to Open Banking or ERP data. The cash‑advance product offers flexible repayment schedules and does not appear on credit‑bureau (CIRBE) reports, allowing businesses to manage liquidity without affecting their credit rating.
Funding
$2.7M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Small and medium-sized enterprises (SMEs) and freelancers often face cash‑flow gaps because traditional bank loans are slow, require extensive paperwork, and can negatively affect credit‑bureau records. These financing frictions limit their ability to invest in growth or cover short‑term operating expenses.
Solution
Kintai offers on‑demand working‑capital financing that can be approved within 72 hours. The platform connects directly to a company’s Open Banking data or ERP system, automating credit assessment and eliminating manual document collection. Approved funds are disbursed quickly and can be repaid with flexible amortization schedules that the borrower adjusts to match cash‑flow cycles. Because the financing is structured as a cash‑advance rather than a traditional loan, it does not appear on the borrower’s CIRBE (credit‑bureau) report. Kintai positions itself as a strategic partner, providing a digital, end‑to‑end financing experience that lets businesses focus on growth rather than treasury management.
Target Audience
Primary customers are small and medium‑size enterprises and self‑employed professionals that need fast, flexible working‑capital solutions to manage liquidity and support growth.
Features
- Real‑time data integration via Open Banking APIs or ERP connectors for instant credit evaluation
- Automated underwriting delivering financing proposals in 72 hours
- Flexible repayment terms that can be re‑scaled according to the company’s revenue flow
- Cash‑advance structure that does not register on credit‑bureau (CIRBE) reports
- Fully digital onboarding with e‑signature and secure document handling
- Dashboard for borrowers to monitor outstanding balances, repayment schedules, and available credit limits