Backed by Y CombinatorUnderwrite borrowersanywhere in the world,in minutes.
AI-native credit assessment built for lending globally.
Kita superpowers underwriters by turning messy borrower applications into decision-ready files.
Your team always keeps the final call.
Legacy lending breaks
in three places.
Data stays trapped in documents.
Raw figures and hundreds of risk signals sit locked inside messy documents legacy tools can't read.
Files stay incomplete.
Wrong documents, missing pages, round after round of messaging the borrower to chase what’s missing.
Underwriting stays manual.
Reconciliation and memos written by hand. Hours per file before a single decision.
Three AI assistants.
End-to-end underwriting.
Kita Capture
Vision AI for messy financial documents.
Ingests any document your borrowers actually send (photos, scans, screenshots) and extracts raw data and hundreds of potential risk signals.
AI Credit Officer
The 24/7 agent that closes the loan file.
Engages borrowers on WhatsApp, SMS, or email, in their preferred language, until the file is complete.
AI Underwriter
Drafts the memo. Your credit officer decides.
Runs the full financial analysis against your own lending policy. Then drafts a decision-ready credit memo.
Kita Capture
Vision AI for messy financial documents.
Ingests any document your borrowers actually send (photos, scans, screenshots) and extracts raw data and hundreds of potential risk signals.
AI Credit Officer
The 24/7 agent that closes the loan file.
Engages borrowers on WhatsApp, SMS, or email, in their preferred language, until the file is complete.
AI Underwriter
Drafts the memo. Your credit officer decides.
Runs the full financial analysis against your own lending policy. Then drafts a decision-ready credit memo.
- Stable $6,800 median income; DSCR 1.84× clears the 1.5× floor; no tampering signals.
- Tenure of 11 months is 1 month short of policy. Recommend approving as a credit-officer exception.
One stack. Every kind of lending.
Kita extracts alternative-data risk signals from your borrower documents — many invisible on the page — that strengthen your underwriting model.
- Hundreds of fields per document, extracted in real time
- Surfaces meaningful predictive data bureau scores never see
- Signals scored by Information Value, not guesswork
Transform legacy lending processes with
AI-native underwriting.
For decades, underwriting resisted automation. Documents too varied. Too messy. Too inconsistent.
AI changes that. Software can now read a paystub, a bank screenshot, or a financial statement with the fluency of a human analyst, thousands of files an hour, with citations. It's giving a new class of lenders a real edge.
Credit review that once took a team now takes seconds, and the lenders who adopt this layer early will lead on speed, cost, and risk.
Built for the markets where lending is hardest.
Designed with security and trust
at our core.
A platform that fits inside your credit policy, your systems, and your compliance posture, without slowing the decision.
Customer-specific deployments
Your tenant. Your keys. Isolated infra.
Provider allowlisting
Choose the model providers you trust.
Lender-controlled decisioning
Kita recommends. You decide.
SOC 2 · ISO 27001
Type II and ISO 27001 in progress.
Borrower data stays in-region
SEA, LatAm, Africa, never leaves the region.
AI for underwriting.
Ready when you are.
Talk to us about deploying Kita inside your lending stack. Pilots usually launch in under a month.