Kita
Kita provides an AI-native underwriting platform that transforms messy borrower applications into decision-ready credit files. The platform's AI Underwriter reads entire files—from tax returns to photographed ledgers—spreads financials, tests them against the lender's encoded credit policy, and drafts cited credit memos, while an AI Credit Officer chases missing documents via WhatsApp, SMS, or email in the borrower's own language. The system is API-first and integrates with existing loan origination systems, serving international financial institutions across the US, Southeast Asia, and Latin America.
- Financial Technology
- Artificial Intelligence
- AI Agents
- Software Only
- Data & Analytics
Funding
Raised to date
$500KRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Founder details are not available yet.
Product
Problem
Legacy lending systems fail to process unstructured borrower documents, leaving raw financial data and risk signals trapped inside messy files that traditional tools cannot read. This results in inconsistent credit decisions, incomplete files, and a slowdown in loan volume growth as underwriting teams struggle to scale without sacrificing quality.
Solution
Kita provides an AI-native underwriting platform that turns borrower applications into decision-ready credit files. Its AI Underwriter reads entire files—from tax returns to photographed ledgers—along with bank and external data, normalizes financial spreads, tests them against the lender's own encoded credit policy, and drafts a credit memo with every figure traced to its source. An AI Credit Officer automatically messages borrowers on WhatsApp, SMS, or email in their own language to request missing documents and follows up until the file is complete. The platform is API-first and integrates with existing loan origination systems, credit engines, or custom workflows, allowing lenders to scale volume while keeping human underwriters as final decision-makers.
Target Audience
Primary customers are international financial institutions and lenders operating in the US, Southeast Asia, and Latin America, particularly those with SME lending portfolios seeking to scale underwriting volume.
Features
- AI Underwriter that spreads financial statements, computes DSCR, margins, debt service, and trend analysis in a single pass
- Narrative analysis that identifies concentration risk, margin movements, and late filing implications beyond raw numbers
- Encoded credit policy checks that flag every out-of-policy item and never wave it through
- Auto-drafted credit memos with every claim cited to its source line for underwriter review
- AI Credit Officer that engages borrowers via WhatsApp, SMS, or email in their own language to chase missing documents
- Integrated KYC, KYB, and AML verification including ID checks, liveness detection, ownership structure, sanctions screening, and adverse media screening
- Continuous learning loop where repayment and default outcomes sharpen future recommendations