Underwrite anyone in 60 seconds.

The AI-native stack for modern underwriting — bespoke to every lending use case.

Lending types

  • SME lending
  • Consumer lending
  • CDFIs
  • Commercial lending

100K+ borrower files processed.

Where credit teams get stuck today

Files sit incomplete.

Good borrowers walk.

Analysts chase missing pages, re-key statements, cross-check IDs against tax filings, and watch for forgery line by line. The credit thinking comes last.

Sharpest where tickets are large and documents are local: SME, asset finance, commercial. Just as real where borrowers are thin-file and inputs are messy. Same root cause: borrower documents don't fit the systems built to read them.

01

Files arrive incomplete

Borrowers send the wrong documents, miss pages, or upload what you can't read. Each round of follow-up adds days to the file.

02

Documents don't fit your tools

Local formats, handwritten records, photos at angle. Templates break. Generic OCR drops fields.

03

Reconciliation is manual

Statements cross-checked against IDs, tax filings, and applications by hand. Hours per file before any credit work begins.

04

Verification is uneven

Forgery and tampering are easy to miss without consistent, document-by-document checks.

The platform

AI-native from the ground up.

Adapts to every underwriting scenario.

One stack, three layers.

01 · Handles the documents in lending.

Kita Capture

Vision-language understanding for messy financial documents.

Reads GCash screenshots, M-Pesa statements, Mexican comprobantes, payslips, financial statements, and the long tail of local formats your borrowers actually send. Runs standalone for lenders that just need extraction, or powers AI Credit Officer and AI Underwriter on top.

  • Line-level and field-level extraction.
  • Validation and reconciliation built in.
  • Works on photos, scans, screenshots, originals.
  • Handles non-standard, local, and lender-specific formats.

Live Vision-language extraction

Example GCash screenshot:

  • Available balance: ₱4,218.50
  • Transactions: 42 entries · 28 in · 14 out
  • Monthly inflow: ₱82,400 median (3 mo)

Live Conversational document collection:

Kita AI engages borrowers on their preferred channels (WhatsApp, SMS, etc.), ensuring they provide necessary information quickly and correctly.

02 · Top of funnel

AI Credit Officer

The 24/7 agent that closes the loan file.

  • Engages every borrower the moment they apply.
  • Speaks their language.
  • Chases documents until the file is complete, delivering a 100% complete file to AI Underwriter.

03 · Decision engine

AI Underwriter

Chooses the best recommendations based on a full review of all documents provided:

  • Calibrated on your risk policy.
  • All claims traceable to source documents.

Underwriting scenarios

01 · Use case

Microfinance & small-ticket consumer

  • High-volume payroll, cash, BNPL, and merchant credit.
  • Fast borrower outreach.

02 · Use case

SME & commercial lending

  • Cash-flow modeling from any statement format.

03 · Use case

CDFI & community lending

  • Works with non-standard documents from immigrant-owned and unbanked businesses.

What Kita produces

Decision-ready files,

not raw extractions.

Every borrower file is a structured applicant profile, document consistency checked, cash flow modeled against policy thresholds, and drafted in your team's voice with citations from the source documents.