Four lending strategies. Each with its own effective interest rates, security and recourse structure, and track record. You should never commit capital to something you don't have full visibility into.
Capital is at risk on every strategy. Returns are not guaranteed and past performance does not guarantee future results.
Priority Ranking
Every loan in a strategy has a ranking. If losses arise, Junior loans bear them first, and earn more for it. Recoveries flow in reverse. The ranking decides who bears losses, not how ordinary repayments flow.
Underlying loan duration
You can submit a Withdrawal Request at any time; it is filled as the borrowers' loans repay, sometimes within weeks, sometimes longer. Fixed rate loans are simpler: they repay at their set end date. How it works page.
Loss Rate
When a default occurs, whatever the Credit Originator cannot recover is the loss to lenders, shown across the originator's lending history. A record, not a promise: past performance is not an indicator of future performance.
Capital is at risk on every strategy. Returns are not guaranteed and past performance does not guarantee future results.
An Australian financial technology company specialising in accounts receivable automation software and payment services for accounting firms in Australia, Canada, the U.S. and the U.K., along with lending to those firms and their clients. Nine years of lending, through rate cycles and a pandemic. Not one realised loss across its entire lending record.
Trusted by top 10 to top 100 CPA firms in North America
A financial technology company specialising in invoice and payment financing across the UAE and Middle East, where good businesses routinely wait to be paid and banks have not stepped in. Three years of lending on proprietary tech that gates every transaction before funding it. Its PayFi lending is underwritten by Cicada Partners, a U.S. credit manager with more than $860M underwritten, within a credit fund backed by Ripple.
*SME receivables portfolio. Nil losses on PayFi.
Backing & Recognition
We're always in talks with established credit originators across new markets and new types of lending, because diversity across your lending strengthens it. Most won't make it onto this page: every partner must clear the same underwriting bar as the two above before a single dollar is lent. When one does, you'll see it here first.
Two gates stand behind every Lending Strategy: the Credit Originator assesses each business it lends to, and Kasu vets the originator before its strategy is listed. Each is built from the layers on the Protection page, and shows its own security and recourse structure before you commit.
Apxium
Taxation payable funding solutions for the business clients of Apxium's accounting firm relationships.
Security & Recourse:
Guarantee & Indemnity · Director(s) and/or Beneficial Owner(s) Guarantee(s) (exceptions apply)
Apxium
Accounts Receivable and Work-in-Progress financing for Professional Services Firms.
Security & Recourse:
Guarantee & Indemnity · Equitable Assignment over Receivables · Right of Offset · Right to Perfect Title
Effective Interest Rate is the range currently offered across each strategy's Lending Options, from the most senior (lowest rate) to the most junior (highest rate), per year. It includes the effect of weekly compounding, already reflected in the figures shown, and no fees are deducted: all platform fees are paid by the Credit Originator. Variable rates may change at any time. Where a fixed rate is offered, it is unchanged for its fixed period. Rates are not guaranteed, and payment of interest and repayment of loans depend on the performance of the underlying loans to End Borrowers.
Loss Rate refers to what each Credit Originator has actually lost in the specific lending strategies shown, as a percentage of all funds it has lent in that lending strategy. InvoiceMate's 0.2% historical loss rate arises in an unrelated SMB receivables strategy, not the PayFi strategy offered on Kasu. Past performance is not an indicator of future performance, and Lenders' capital is at risk.
Underlying loan duration is how long the Credit Originator's loans to End Borrowers typically run. It is not the term of your own lending: variable-rate lending has no fixed term for you, and your capital returns by Withdrawal Request, filled from available funds as those underlying loans repay, which makes their duration a useful guide to withdrawal timelines. Where a fixed rate is offered, your loan runs to its stated end date.
All figures are as at 14 September 2026, from the same source as the app, and verifiable on request.
Security and recourse structuring. Covenants and undertakings. Structural controls. Every layer explained, including what happens when a loan goes wrong. Each Lending Strategy lists its own.
Read the full structure
Kasu compounds interest weekly, and the rate you see already includes it. Same amount, same rate, two ways to take it: draw your interest as monthly income, or leave it compounding.
$100,000
14.00% p.a.
The quoted rate, no compounding
14.00% p.a. · interest over horizon $14,000
Compounded weekly, interest paid out monthly
$1,172 monthly income · $14,063 over the horizon
Compounded weekly, left to compound
$15,006
15.01% p.a. effective · Loan Balance $115,006 at end of horizon
The rate we quote is the effective rate: weekly compounding included, nothing added on top, and no fees deducted, because platform fees are paid by the Credit Originator. Your interest starts earning after seven days, not thirty.
Growth of your Loan Balance over the horizon
$120,000
$115,000
$110,000
$105,000
$100,000
At the end of 1 year, left compounding
$115,006
This calculator is for illustration only. Projected figures are based on the rate you selected and assume it remains constant and your funds remain lent for the full horizon. The two compounding figures are alternatives: interest is either paid out monthly or left to compound, not both. These are not a promise or forecast of future performance. Withdrawing capital is by request and never guaranteed at any particular time. Past performance is not an indicator of future performance, and Lenders' capital is at risk. Kasu is not a bank and your money is not covered by any government deposit guarantee. Kasu does not provide financial advice.
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Capital at risk. Not a bank. Returns not guaranteed.
