aid: kafene
name: Kafene
image: https://cdn.prod.website-files.com/66c3383e064576f49e765ed2/6a0d813b7a26a50ddb512855_kafene-logo-horiz-color.svg
description: >-
  Kafene is a New York-based point-of-sale financing platform that lets retailers offer
  transparent lease-to-own (LTO) purchase options to prime and non-prime consumers.
  Founded in 2019 by Neal Desai and James Schuler, the company underwrites shoppers with
  an AI-driven risk model that pulls 20,000+ data points to return an approval — up to
  $5,000 — in seconds, then pays the merchant directly on delivery confirmation while the
  customer pays weekly or biweekly until ownership. Merchants originate applications from
  their in-store POS or by sending a text-to-apply link; consumers manage leases and
  payments in a self-service dashboard. Kafene raised a ~$31M Series B and reaches
  merchants through financing-waterfall networks such as Versatile Credit and LendPro.
  As of the 2026-08-01 enrichment probe Kafene publishes no public developer program,
  no OpenAPI/GraphQL/MCP contract, no SDKs, and no /.well-known discovery surface; its
  merchant and consumer surfaces are authenticated single-page web applications and
  integration is arranged through Kafene's partner team, not self-serve documentation.
url: https://raw.githubusercontent.com/api-evangelist/kafene/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: stub
x-tier-reason: harvest
specificationVersion: '0.20'
created: '2026-08-01'
modified: '2026-08-01'
accessModel:
  pricing: unknown
  onboarding: sales
  trial: false
  try_now: false
  public: false
  label: Partner-only
  confidence: medium
  source:
  - https://www.kafene.com/become-a-kafene-partner
  - https://www.kafene.com/faq
  generated: '2026-08-01'
  method: searched
tags:
- Company
- Financial Services
- Fintech
- Lease To Own
- Point Of Sale
- Consumer Finance
- Retail
- Underwriting
- Payments
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.kafene.com
- type: About
  url: https://www.kafene.com/about-kafene
- type: Support
  url: https://www.kafene.com/contact
- type: FAQ
  url: https://www.kafene.com/faq
- type: Blog
  url: https://www.kafene.com/newsroom
- type: Newsroom
  url: https://www.kafene.com/newsroom
- type: Careers
  url: https://www.kafene.com/careers
- type: SignUp
  url: https://www.kafene.com/become-a-kafene-partner
- type: Login
  url: https://merchant.kafene.com/login
- type: TermsOfService
  url: https://www.kafene.com/legal/terms-conditions
- type: PrivacyPolicy
  url: https://www.kafene.com/legal/privacy-policy
- type: LLMsTxt
  url: llms/kafene-llms.txt
- type: DomainSecurity
  url: security/kafene-domain-security.yml
x-enrichment:
  date: '2026-08-01'
  status: enriched
  artifacts_added: 3
  pass: local-v1
  note: >-
    Full contract discovery ran against every kafene.com host (www, merchant,
    application, app, customer, api) plus package registries and GitHub. No OpenAPI,
    GraphQL, AsyncAPI, MCP server, agent card, SDK or /.well-known document exists.
    Recorded as verified negative data; identity + link-property pass completed from
    the provider's own site.