# Documents in lending

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

## 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.

1. **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.

2. **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.

3. **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.

4. **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 us

### 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)