The AI-native loan origination system.
Automate the busywork. Focus on the decision.
Magic LOS chases the documents, reads them, and spreads the financials, so your team spends its time deciding, not collecting. Run it standalone or inside the LOS you already use.
Recommend approving up to $ 75,000, 24 mo. Stable revenue[1], healthy DSCR[2], no tampering[3].
Recommend approving up to $ 75,000, 24 mo. Stable revenue[1], healthy DSCR[2], no tampering[3].
Magic LOS turns every applicant message, document, and bureau pull into a complete credit file with a cited assessment.
One thread for the borrower. One file for the lender. One audit trail your credit officer can sign with confidence.
Three modules. One orchestrated platform.
Each module is a deep product on its own. Magic LOS makes them one continuous loan file, from first message to signed memo.
AI Credit Officer
Engages every borrower the moment they apply, on WhatsApp, SMS, or whatever channel they use. Speaks 13+ languages. Chases documents until the file is complete.
- WhatsApp, SMS, email, web chat. Same agent, same memory.
- Multilingual: English, Spanish, Bahasa, Tagalog, +9 more.
- Fluent in your lending policy. Asks the right follow-ups.
Kita Capture
Reads any document, any format. Extracts credit signals and flags fraud in seconds. Standalone API or the foundation under everything else.
- Reads bank statements, e-wallet records, pay stubs, tax returns, IDs.
- Tampering detection and metadata checks built in.
- Output as JSON, CSV, Excel, or your schema.
AI Underwriter
Spreads the financials, reasons across the full file, drafts a credit assessment with every claim cited to its source. Your credit officer decides.
- Calibrated to your risk policy, not a generic prompt.
- Every data point cited to its source document.
- Audit trail on every assessment, exportable to your LOS.
Run Magic LOS as your LOS. Or plug it into the one you have.
Use the full platform end to end, or drop the modules into the CRM and LOS your team already lives in. Either way, the same intelligence runs the file.
- Drop-in for existing CRMs and LOSs.HubSpot, Salesforce, in-house systems. The modules talk to your tools through their native APIs.
- Connects to the systems you run on.Credit bureaus, identity and document verification, core banking. The modules pull from and write back to the tools your team already uses.
- REST API + webhooks.Every loan-file event fires a webhook: application started, file complete, assessment ready. Wire it however you need.
- Same intelligence either way.The Underwriter and Credit Officer running in Magic LOS are the same ones you embed. No feature gap.
The whole loan file. One continuous thread.
Most lending stacks stitch together five tools and lose the thread between them. Magic LOS keeps every artifact, message, and decision on the same record.
A borrower sends a message.
WhatsApp, SMS, web form, email, or a HubSpot ticket. Magic LOS picks it up wherever your funnel lives.
The Credit Officer collects the file.
Asks for the right documents in the right language. Closes the loop until every required artifact is in.
Capture reads every document.
Extracts the credit signals. Flags fraud. Reconciles claims across documents in the same file.
The Underwriter drafts the assessment.
Spreads the financials. Reads the story behind the numbers. Drafts a memo with every claim cited.
The completed file lands back in your stack.
Synced to HubSpot, Salesforce, your in-house LOS, or pulled from the API. Your credit officer makes the call.
A borrower sends a message.
WhatsApp, SMS, web form, email, or a HubSpot ticket. Magic LOS picks it up wherever your funnel lives.
The Credit Officer collects the file.
Asks for the right documents in the right language. Closes the loop until every required artifact is in.
Capture reads every document.
Extracts the credit signals. Flags fraud. Reconciles claims across documents in the same file.
The Underwriter drafts the assessment.
Spreads the financials. Reads the story behind the numbers. Drafts a memo with every claim cited.
The completed file lands back in your stack.
Synced to HubSpot, Salesforce, your in-house LOS, or pulled from the API. Your credit officer makes the call.
Tuned for the way you actually lend.
Microfinance volume, SME complexity, CDFI compliance. Magic LOS ships with use-case presets you configure once.
Thousands of small applications. Documents in 6 languages. Officers stretched thin.
Magic LOS closes the file at top of funnel and hands a complete, cited assessment to your team.
Audited financials, bank statements, tax filings, all in one file.
Capture spreads the financials. Underwriter drafts the memo. Your credit committee signs.
Thin-file applicants, mission lending, deep compliance burden.
Every assessment is cited and audit-logged. Compliance and credit run on the same record.
Every assessment is cited. Every file is audit-logged.
Lending is regulated work, and Magic LOS treats it that way. Every data point traces to its source document. Every file carries a full audit log of who, what, and when.