Capital is the catalyst for growth.

Capital is the driving force behind growth for every small business.

Of which there are over 35 million in the US alone. We’re leveraging technology to transform invoices into transactable assets, providing cash flow solutions for small businesses and helping them overcome the cash flow bottlenecks that limit their growth.

Why kapwork?

Strong cash flow is the foundation of growth – Kapwork ensures you don’t run out.

Outdated processes

Factoring relies on complex, manual, time-intensive processes. Technology can support invoice sellers and buyers in benefit of the whole ecosystem.

Small businesses matter

There are 35M small businesses in the US, employing 45.9% of Americans and accounting for 44% of GDP.

Small businesses suffer

73% of businesses are negatively impacted by late invoices, with 40% citing it as a reason they may close their business.

Who we serve

Our promise

Business Partners

Invoice Sellers

Deliver faster payments through a streamlined cost saving process. Kapwork takes care of the backend, from verification through payment, so there’s no paperwork and no waiting. We protect your relationship with your customers, too, removing the need for Factors to reach out to them for validation.

Factors

Invoice buyers

For Factors, we make it easy to source high-quality invoice sellers with verified invoices through an automated process, reducing risk and costs that usually come with manual verification. Our platform also allows them to reduce operational cost and risk helping them scale and work smarter.

For Businesses and Factors

Our approach

We’re transforming invoice-to-cash through a seamless approach that fosters speed and transparency, in a way that’s good for business partners and factors alike:

Pro-small business

These tools speed up funding cycles. With a centralized dashboard, we put all your invoices in one place and automatically match you with the best Factor. You’ll get paid faster while maintaining confidentiality, eliminating the need for third-party debtor contact and password sharing.

Technology First

Automation and direct integration with the major vendor portals unlocks a faster, more secure system to authenticate invoices so Factors don't have to. Increasing trust and speed for everyone.

Data-driven

We automatically scan and centralize insight from across multiple third-party sources to give Factors the most comprehensive, clear picture of their clear picture of the financial health of our business partners

Authenticated

Only KapWork automatically retrieves, maps, and verifies the status of all relevant data to deliver authenticated invoices, preventing fraud while minimizing overhead and saving valuable time.

Founding team

Mauricio Vergara

Co-founder & CEO of Kapwork

“We wanted to build something that puts the power back in the hands of small businesses. The idea that you have to wait months for money you’ve already earned? That’s unacceptable.”

More about Mauricio

Mauricio leads operations, sales, and marketing. As a former SMB owner, he saw first-hand the impact that late payments puts on your business and later, across roles at Google and Unity, he witnessed the impact late payments had for Creators, hampering their ability to grow their businesses. He began to explore ways to help, and discovered how limited the current offerings are for funders–and how tough it is for small companies.

Pete Thomas

Co-founder & CTO of Kapwork

“Kapwork is about creating a faster, smarter way for businesses to turn their invoices into cash without losing time or having to go through a crazy process to sell their invoices. Technology makes this possible, and that’s what we’re excited about.”

More about Pete

Peter oversees engineering and product development for the platform. Previously, Pete co-founded financial services unicorn C2FO, where he refined financial technologies helping businesses get paid earlier. It was here he saw how small companies, especially those in supply chains of larger firms, suffer while waiting for payments.

Our values

Trust

Without trust from our business partners and invoice buyers we are nothing. Their trust is the most precious asset we could have and treat it like our most valuable possession.

Transparency

We don't withhold information nor care for hierarchies. We are approachable and will always be clear and honest with our users. There is no need to hide. We build in plain sight and invite others to join us for the ride.

Playful

We are who we are. We find joy in our work and have no problem expressing ourselves always with respect. We have fun and invite our users to have fun with us. After all, this is just a job.

Users come first

Our community of SMBs is the bedrock, the motor that motivates us to do what we do. Without them, we would not exist; because of that, we will always be there to support and elevate them. We will help them achieve their goals and help them grow.