Kita

What it does

Kita provides an AI-native underwriting platform for lenders. It includes AI Underwriter, which reads borrower documents and external data, spreads financials, tests them against credit policy and drafts a cited credit memo. AI Credit Officer collects documents from borrowers over WhatsApp, SMS or email. Kita Risk Score produces up to ten repayment risk scores for thin-file consumer lending. Kita Capture extracts validated, fraud-checked fields from bank statements, payslips, IDs and tax filings. AI Loan Application and AI Borrower Portal handle intake and uploads. The platform is available through a REST API alongside an existing loan origination system, or as Intelligent LOS.

The official site lists markets in Southeast Asia (PH, ID), the United States and Latin America (MX). It states the platform is ISO 27001 and SOC 2 Type II. Documentation is published at kita.ai/docs, covering the AI Underwriter API, Kita Capture API and Risk Score. A demo request form collects name, work email, company, estimated loan volume and document types, and there is a 30-minute call booking option. Contact addresses are [email protected] and [email protected]. The site also states a $4.5M seed round led by BoxGroup.