Underwrite borrowers anywhere in the world in minutes.
Kita is the AI-native platform for modern underwriting. We turn fragmented borrower data, manual review, and hard-to-verify documents into decision-ready credit analysis — built for emerging markets and underserved communities in the U.S., with final credit decisions kept with your team.
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.
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.
Documents don't fit your tools
Local formats, handwritten records, photos at angle. Templates break. Generic OCR drops fields.
Reconciliation is manual
Statements cross-checked against IDs, tax filings, and applications by hand. Hours per file before any credit work begins.
Verification is uneven
Forgery and tampering are easy to miss without consistent, document-by-document checks.
AI-native from the ground up.
Adapts to every underwriting scenario.
From intake to signed memo — three connected layers, no tools bolted on.
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.
AI Credit Officer
The 24/7 agent that closes the loan file.
Engages every borrower the moment they apply, on WhatsApp, SMS, or whatever channel they actually use. Speaks their language. Chases documents until the file is complete, then hands a 100% complete file to AI Underwriter.
- WhatsApp, SMS, email, web chat, same agent, same memory.
- Multilingual: English, Spanish, Bahasa, Tagalog, +12 more.
- Fluent in your lending policy, asks the right follow-ups.
- Hands off a 100%-complete file to AI Underwriter.
AI Underwriter
Drafts the memo. Your credit officer decides.
Reads every document in the file. Checks for fraud. Structures the numbers against your credit policy. Then drafts a recommendation your credit officer can question, override, or sign, every claim traceable to a source line. Kita does not approve loans. Your team does.
- Calibrated on your risk policy, not a generic LLM prompt.
- Fraud detection across forgery, tampering, and impersonation.
- Every data point cited to its source document.
- Your team makes every call. Kita just gives them the cleanest possible file to decide from.
Borrower demonstrates stable monthly income (₱82,400 median, 3 mo) with low cash-flow volatility. DSCR 1.84× sits comfortably above the 1.5× policy floor. No tampering or impersonation signals across submitted documents.
Tenure of 11 months falls 1 month short of the 12-month policy minimum. Recommend approving as a credit-officer exception.
One stack. Every scenario you underwrite.
Microfinance & small-ticket consumer
High-volume payroll, cash, BNPL, and merchant credit. Reach every borrower fast, validate documents in real time, decide in seconds.
- Borrower outreach in any language, any channel
- Sub-second decisioning APIs with fraud signals
- Webhook delivery into your pipeline
SME & commercial lending
Spread financials, narrate the story behind the numbers, draft a defensible memo from page one to sign-off.
- Cash-flow modeling from any statement format
- Memo drafted in your template, cited to source
- Underwriter signs in minutes, not hours
CDFI & community lending
Underwrite the borrowers bureau scores miss. Non-standard documents from immigrant-owned and unbanked businesses.
- Reads tax returns, P&Ls, bank statements in any format
- Cash-flow story when scores fall short
- Audit-ready memo for the loan committee
Decision-ready files,
not raw extractions.
Every borrower file comes out as a structured applicant profile. Documents cross-checked for consistency. Cash flow modeled against your policy thresholds. Fraud and tampering signals tested. A credit memo drafted in your team's voice.
Each finding cites the exact line of the source document it came from, so your credit officer can read a complete file in minutes, override anything the model got wrong, and sign off with the audit trail intact.
Kita completes the application profile so your team can decide. Every claim traceable to a source line.
AI-native underwriting in emerging markets
just became possible.
For decades, underwriting was the part of lending that resisted automation, especially in emerging markets. Documents too varied. Too messy. Too local. Vision-language models change that.
Software can now read a Tagalog payslip, an Indonesian e-wallet screenshot, and a Mexican AFS with the same fluency as a human analyst, at thousands of files an hour, with citations.
Combine that with agents that talk to borrowers, and the full underwriting workflow, intake, validation, analysis, memo, becomes software. Lenders that adopt this layer first will outpace the market on speed, cost, and risk.
Built for the markets where lending is hardest.
Strong in emerging markets where bureaus are incomplete, open finance is early, and documents are messy. Relevant anywhere lenders still rely on manual review.
Southeast Asia
Active in the Philippines and Indonesia. E-wallet statements (GCash, OVO), credit reports (CIBI, CRIF), bank statements, payslips, audited financials.
Latin America
Active in Mexico. Acta constitutiva, INE, poder notarial, CFDI, constancia de situación fiscal, estados de cuenta.
Africa
Active in South Africa. Smart ID, IRP5, SARS filings, FICA docs, bank statements including FNB, Capitec, Standard Bank.
Backed by Y Combinator.
Built out of Stanford AI.
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.
Underwrite more borrowers.
Faster. With cleaner data.
Talk to us about deploying Kita inside your lending stack, pilots usually launch in under a month.