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Kafene is a fintech company based in New York, founded in 2019. It offers a digital point-of-sale financing platform that enables merchants to provide flexible lease-to-own (LTO) and interest-free buy-now-pay-later (BNPL) options. The company focuses on serving underserved and underbanked consumers, allowing them to access financing without relying on traditional credit history. Kafene's platform features instant underwriting, utilizing over 20,000 data points along with artificial intelligence and machine learning to assess risk and approve customers quickly. The company partners with thousands of merchants across various sectors, including furniture, electronics, and jewelry, helping them expand their customer base. Kafene operates nationally in the United States and is committed to transparency and speed in its financing solutions.