Kanda

Kanda is a Y Combinator-backed fintech platform that enables general contractors to offer buy-now-pay-later financing to homeowners for remodeling and home improvement projects, similar to how Affirm works for consumer retail purchases. Many homeowners want to remodel but face friction from upfront cost requirements, and contractors lose jobs because customers cannot easily access financing at the point of sale. Kanda integrates directly into the contractor's sales workflow, allowing homeowners to apply for financing and receive approval decisions during the estimate or proposal stage, without leaving the contractor's process. The platform handles underwriting, funding, and repayment, while the contractor receives full payment upfront. Kanda is designed for general contractors and specialty trade contractors in the residential remodeling market who want to increase job conversion rates by removing the financing barrier for customers.