Cre8or Capital is designed to keep beauty founders moving forward without the burden of upfront costs. With flexible repayment options that unlock better terms as you grow, same-day ACH funding on approved invoices, and no prepayment penalties, our financing keeps your production seamless and your momentum uninterrupted.

Onboarding takes just a few minutes and is totally secure. To apply, you’ll need to provide information about your business and connect your bank account. You'll receive a credit offer within 3 business days or less. Offers include your credit limit, repayment terms, and transaction fees. Sign your credit agreement and verify your identity to activate your credit limit.

Then, upload a PDF of the Cre8or invoice you'd like to finance. We’ll review and approve the request within 24 hours and disburse funds to your connected bank account. Use those funds to pay your invoice. Repay us on the agreed terms, typically 30, 60, or 90 days. Your available credit will refresh after each repayment, and we’ll keep you updated every step of the way via email.

We evaluate your business’s financial profile, including cash flow, expenses, existing debt, and banking history, to determine your credit limit and transaction fee. You’ll see these details clearly in your offer before accepting.

No. We only perform a soft credit check, which does not affect your personal credit score.

If you qualify, you’ll receive your financing offer within three business days of submitting your application.

Repayment is simple: Select your preferred repayment term (30, 60, or 90 days) when requesting financing. We’ll automatically deduct fixed payments from your connected business bank account.

Yes! You can repay at any time with no prepayment penalties.

Log in to your funding portal to view your current balance, payment history, and upcoming due dates.

Yes. We charge:
$25 for each late payment
$35 for each returned payment due to insufficient funds

Kanmon is the licensed business lender powering Cre8or Capital. Backed by leading fintech investors, Kanmon is reimagining how small businesses access working capital. Learn more at kanmon.com.