How to get funded

With kikin

Get your suppliers paid with a few clicks. Let us fund your production costs so you can focus on what matters most.

Get funding
01

TELL US ABOUT YOUR COMPANY

Link your financial accounts, share your ESG initiatives and get a tailored credit line. Gain insights about your company in less than 5 minutes.

more about CONNECTing FINANCIAL ACCOUNTS

Our automated solution calculates your credit limit using your business's financial data from banking and accounting. We integrate with accounting software like Xero, Quickbooks, Clear Books, Free Agent, KashFlow, Oracle Netsuite, Sage, and can accommodate others upon request. If you don't use accounting software, you can manually upload your accounting documents to access our services.

more about CONNECTing FINANCIAL ACCOUNTS

Our automated solution calculates your credit limit using your business's financial data from banking and accounting. We integrate with accounting software like Xero, Quickbooks, Clear Books, Free Agent, KashFlow, Oracle Netsuite, Sage, and can accommodate others upon request. If you don't use accounting software, you can manually upload your accounting documents to access our funding.

02

UPLOAD YOUR SUPPLIER INVOICE

After you've uploaded your supplier invoice, we ensure timely payment to your supplier in the currency of your choice.

What types of invoices can Kikin fund?

Kikin covers all types of supplier invoices except those excluded in our Terms of service. We can make payments to suppliers in the UK, European Union countries, Albania, Belarus, Bosnia and Herzegovina, China, India, Kosovo, Moldova, Monaco, Montenegro, North Macedonia, Russia, Serbia, Switzerland, Turkey, and Ukraine. If you're paying invoices in different currencies, a small exchange fee will apply.

What types of invoices can Kikin fund?

Kikin covers all types of supplier invoices except those excluded in our Terms of Service. We can make payments to suppliers in the UK, European Union countries, Albania, Bosnia and Herzegovina, China, India, Kosovo, Moldova, Monaco, Montenegro, North Macedonia, Serbia, Switzerland, Turkey, and Ukraine. If you're paying invoices in different currencies, a small exchange fee will apply.

03

MAKE monthly REPAYMENTS

As you repay, we automatically top up your available funding, allowing your business to maintain a healthy cash flow and freeing up capital for growth.

calculate your funding

FaqS

How quickly can I access the funds?

Once you've completed a brief questionnaire about your business and connected your financial accounts, you'll have immediate access to a portion of your funds. The full amount will be available within 72 hours after our team manually checks your company details.

What can I use the funding for?

We offer financing for your supplier invoices. Simply upload your supplier's invoice to our system, and we'll handle the full payment to them. For a list of goods we don't cover, please refer to our Terms of Service: https://www.kikin.io/terms-of-service.

How do I know that my company is a good match?

We love supporting UK-based businesses that need to pay their suppliers, whether they're local or abroad. Just share your financial history with us so we can figure out your credit line. Additionally, if you’re committed to sustainability, we appreciate that and offer special discounts on our fees.

Can I pay to suppliers abroad?

Certainly! In addition to our local UK suppliers, we also facilitate international payments to a range of countries. This includes member states within the European Union, as well as Albania, Bosnia and Herzegovina, China, India, Kosovo, Moldova, Monaco, Montenegro, North Macedonia, Serbia, Switzerland, Turkey, and Ukraine. If you're paying invoices in different currencies, a small exchange fee will apply.

How long can I extend my loan for?

Typically, you can extend your loan anywhere from 1 to 6 months. Our repayment periods are based to your company's financial well-being. We'll assess this when you sign up and then give it a check-up every 30 days to keep things up-to-date.

How much does it cost to use Kikin?

There's no charge to establish your credit limit with us. For every invoice we pay on your behalf, a flat fee is applied. This fee is determined by your credit rating and your chosen repayment term, which can range from 1 to 6 months. To better understand the fee structure, you can use Our Calculator.

How will the repayments be deducted from my account?

When you add your first invoice, you'll link your account to the Direct Debit system. This system will automatically deduct payments each month until the full amount is repaid. For these transactions, we partner with GoCardless.

How is my financial data used?

We utilize your financial data exclusively to accurately assess your credit line. We only collaborate with FCA-regulated Open Banking providers to ensure the security of your information. For further details, please see our Privacy Policy and Terms of Service.

Should I inform my suppliers that I’m using Kikin?

No need. We'll mention the invoice when we send the payment, so they'll know where it's coming from.

Do you need personal guarantees?

We don’t take personal guarantees, never ask for equity and you don’t need to give up any security to secure funding.