Kaped.io is a fintech startup that aims to level the playing field for small and medium-sized businesses (SMBs) by providing them with financial tools typically reserved for large corporations. The company operates in the financial technology sector, focusing on delivering a comprehensive suite of financial services to SMBs.

Kaped.io offers a variety of financial products and services designed to streamline business operations and improve financial health. These include a single payment file system that simplifies supplier payments, customizable business rules, and a robust feature set that can be tailored to individual business needs. The platform also provides a range of financial products such as merchant cash advances, short and long-term loans, lines of credit, and real estate loans.

One of the standout features of Kaped.io is its cashback and stock-back programs, which offer 30% cashback and 1% stock-back on payments, respectively. Additionally, the company provides ID theft protection and credit bureau monitoring services for a monthly fee of $29.99. For businesses with significant monthly expenditures, Kaped.io offers the Corporate Freedom Program, which is tailored for clients with an average monthly spend of at least $50,000.

Kaped.io's business model revolves around subscription fees, interest on loans, and transaction-based revenue. The company makes money by charging monthly fees for its credit monitoring services, earning interest on loans, and taking a percentage of transactions processed through its platform.

The primary clients of Kaped.io are small and medium-sized businesses looking for efficient and cost-effective financial solutions. By offering a turnkey solution with an experienced in-house sales team, Kaped.io ensures high supplier adoption and generates additional income.

In summary, Kaped.io is a fintech company that provides SMBs with advanced financial tools and services, making it easier for them to manage payments, access credit, and protect their financial health.

Keywords: Fintech, SMBs, Payments, Loans, Credit, Cashback, Stock-back, ID Protection, Business Rules, Corporate Program.