Access always on funding, embedded into your existing business processes, and designed around your cash flows. Only use what you need, and only pay for what you use.
Get fundingLink your financial accounts, share your ESG initiatives and get a tailored credit line. Gain insights about your company in less than 5 minutes.
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.
Our automated AI underwriting 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.
Upload supplier invoices or draw additional working capital through Kikin. We provide fast, flexible funding with repayment structures designed around your cash flow and runway.
Whilst our preference is to fund supply-chain purchases, Kikin can also fund marketing and operating costs – giving you greater control over your cash flow.
Whilst our preference is to fund supply-chain purchases, Kikin can also fund marketing and operating costs – giving you greater control over your cash flow. You can also draw down funds to use for Payroll, VAT bills, corporation tax or any other working capital needs.
Funding that fits your cash flow. Choose from 96 repayment combinations, with terms up to 8 months and the option to delay principal repayments for up to 3 months, subject to credit assessment and approval. As you repay, we automatically top up your available funding.
Repay over up to 8 months with weekly, fortnightly or monthly payments, and the option to delay principal repayments by up to 3 months. Build a repayment strategy that's right for your cashflow.
We built our own underwriting model specifically for SMEs. Rather than relying solely on traditional credit scores and historic accounts, Kikin combines connected financial data with AI-powered analysis to understand how your business trades today - and assess the funding that fits its next stage of growth.
Get funding
Cash flow, trading performance, assets and the context behind the numbers are where we look.
Always on funding, embedded into your existing business processes, and designed to grow with your cash flows.
An assessment that informs your funding, term and repayment options based on real-time analysis of your business
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.
We provide flexible funding for growing businesses — from supplier invoice financing through to working capital drawdowns. Simply upload your supplier invoice or access available funding directly through the Kikin platform, and we’ll help manage payments quickly and efficiently. Funding structures and repayments are tailored to your business, cash flow and operational needs. For a list of goods and services we do not support, please refer to our Terms of Service: Kikin Terms of Service
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.
Certainly! In addition to our local UK suppliers, we also facilitate international payments to a range of countries. If you're paying invoices in different currencies, a small exchange fee will apply.
If you use Xero for your accounting, Kikin can take care of the bookkeeping for you. Our Xero integration automatically writes back your funding activity, ensuring bills are marked as paid when Kikin funds them, financing fees are recorded correctly, and outstanding loan balances are reflected as liabilities in the right accounts. As you make repayments, we keep everything up to date, so your books accurately reflect what you've borrowed, what you've repaid and what your funding has cost. Less admin, cleaner accounts and no manual reconciliation.
Typically, you can choose a repayment term anywhere from 1 to 8 months, depending on your company's financial health. We'll assess your business when you sign up and review your funding eligibility every 30 days to keep things up to date.
There's no charge to establish your funding 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 8 months. To better understand the fee structure, you can use Our Calculator.
When you add your first invoice or draw down funds, you'll link your bank account to our Direct Debit system. Repayments are then collected automatically on a weekly, fortnightly or monthly basis until the full amount is repaid. For these transactions, we partner with GoCardless.
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.
No need. We'll mention the invoice when we send the payment, so they'll know where it's coming from.
We don’t take personal guarantees, never ask for equity and you don’t need to give up any security to secure funding.
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