# Documents in lending

Live with CDFIs and SMB lenders across all 50 states. [See deployments](/content/request-demo/index.html)

01 — United States · LiveCDFIs, community banks, and SMB lenders

## Built for the loans bureau scores miss.

Live with CDFIs, community banks, and SMB lenders across the country. Self-employed borrowers, gig workers, immigrant entrepreneurs — the documents bureau scores can't read.

- **Underbanked US businesses** 63M
- **Avg. manual SBA review** 5 hrs
- **Time saved with Kita** 90%

## Why now

### Both banks and fintechs hit the same wall.

Generic OCR and template-based extraction were not built for the document diversity your borrowers actually bring.

01

### SBA packages take hours to review

Every 7(a) and 504 application arrives as a stack of tax returns, P&L statements, bank records, and supporting documents. Your team processes them one at a time.

02

### Non-standard documents from immigrant-owned businesses

Foreign bank statements, multilingual records, informal income proof. Your team either rejects them or spends triple the review time.

03

### Mission outpaces operational capacity

You want to serve more borrowers. But manual review is the bottleneck. You can't hire analysts fast enough to match community demand.

04

### Generic tools weren't built for your borrowers

Standard OCR fails on the document diversity your borrowers bring — gig income, remittance receipts, ITIN letters, foreign records.

## Documents we read

### Every borrower document. Extracted and verified in seconds.

Trained on the long tail of US small-business and thin-file documents — the layouts, regulations, and fraud patterns that make this market different.

### Business tax returns

Form 1120/1120-S, Schedule C, K-1s, 1065 partnership returns, quarterly 941s

### Commercial bank statements

Business checking & savings from Chase, BofA, Wells Fargo, regional banks, credit unions

### SBA loan packages

SBA 7(a) & 504 applications, SBA 1919 borrower information forms, personal financial statements

### Business financials

P&L statements, balance sheets, cash flow statements, accounts receivable aging

### Entity & legal documents

Articles of incorporation, operating agreements, EIN verification, business licenses, bylaws

### Non-standard income

Foreign bank statements, remittance receipts, gig platform earnings, informal income proof

### Identity & immigration

Driver's licenses, ITIN letters, resident cards, EAD work permits, visa documents

### Any document

PDFs, scans, photos, screenshots. No templates required.

### Custom support

Niche document type? Forward-deployed engineering builds it.

## Talk to usSame-day in US time zones

## Building the document layer for the lenders bureau scores skip.

[Book a demo](/content/request-demo/index.html) [See all markets](/content/markets/index.html)