Unified Data View
Kanmon Unified Data View gives financial institutions the whole picture of SMBs' financial and business activities data through single API. It extracts data from public, customer-permissioned, and platform-proprietary sources and creates a consolidated, up-to-date view.
Data sources
Kanmon currently supports most of the data points needed for commercial lending programs:
- Business ownership
- Credit bureau reports (owner and business)
- Cashflow and banking
- Balance sheet
- UCC filing
- Tax return
Platform-proprietary data
Besides public information, one of the unique advantages of Kanmon is the ability to retrieve and aggregate proprietary business activity data from software platforms. This will help you to develop a deeper understanding of SMBs risk profile and improve your underwriting performance over time.
Here are a few examples of the data available through Kanmon:
- Forward revenue projection
- Account receivable projection
- Invoice
- Inventory estimate
- Customer satisfaction
- Customer retention rate
Kanmon also provides segment-specific data to help financial institutions with their vertical banking initiatives.
Aggregation
SMB financial data can be messy and overwhelming, Kanmon aggregates and standardizes multiple data sources to create a large catalog of financial metrics and ratios, which can be used directly in your underwriting process. For example:
- Business debt coverage ratio
- AR turnover
- AR outstanding (days)
- Debt to EBITDA
- Business asset coverage
- Gross profit margin
- Operating margin