Underwrite 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.
Four ways in.
Each one works on its own.
AI Underwriter reads the borrower file against your credit policy and drafts the memo. AI Credit Officer gets that file in and gets it complete. Risk Score adds alternative signals where the bureau file is thin. Capture pulls the data out of the documents underneath all three. Run one against the system you have today, or run all four.
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.
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.
Kita Risk Score
Alternative signals for high-velocity consumer lending.
For lenders writing small consumer loans at volume in emerging markets, where the bureau file is thin or missing. Kita scores financial capacity, document fidelity and submission behaviour out of whatever the borrower uploads, and hands back a signal your existing model can take as an input.
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.
Catch the errors at intake, not in underwriting.
Most rework on a credit file starts the moment a borrower uploads: the wrong statement, a missing page, a name that does not match the ID. These two catch it there, while the borrower is still on the page, so the file reaches your team complete.
AI Loan Application
The intake form reads what the borrower has already given you and asks only for the rest. Fewer questions, fewer abandoned applications, a file that arrives closer to complete.
See AI Loan ApplicationAI Borrower Portal
One place for the borrower to upload, see where the application stands, and answer what was asked. No document lost in an email thread, no status call to your branch.
See AI Borrower PortalA frictionless start. A clear path to fully AI-native lending.
Connect any Kita product to the system you already run through our API, or adopt the whole platform. Most lenders start with one product and add the rest as each proves itself on their own files.
Plug into your current system
Every product works as a point solution over API, alongside whatever LOS, core, or spreadsheet you run today. Documents come in where they already arrive, and results go back to your system of record. No migration.
Or adopt the full platform
Intelligent LOS runs every product in one system, with origination built around them. It is for teams ready to replace the system they have been working around.
You never have to go all the way. Every product on this page runs on its own.
See Intelligent LOSOne stack. Every kind of lending.
Extract alternative data signals from your borrower documents that measurably separate risk and 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.
What that looks like in practice, product by product
AI Underwriter
The memo cites its sources, so a credit officer can check every figure against the page it came from. The fastest way to judge it is to run it on files you have already decided.
Book a demo on your own filesKita Capture
TRBank, a rural bank in the Philippines, ran 5,100 paper loan records through Capture and got 452,236 structured field values back at 97%+ field-level accuracy.
Read the TRBank case studyKita Risk Score
Evidence comes from a backtest, not a pitch. Kita scores your own closed loans, regresses every signal against what actually repaid, and keeps only the ones that hold up on your book.
Ask for a backtest
Built for the markets where lending is hardest.
Kita runs inside your perimeter,
not around it.
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.
ISO 27001 · SOC 2
ISO 27001 certified by Advantage Partners. SOC 2 Type II in progress.
Borrower data stays in-region
SEA, LatAm, US, never leaves the region.
Underwrite borrowers anywhere in the world in minutes.
Talk to us about deploying Kita inside your lending stack. Pilots launch in under a month.