Kita

Kita is an AI underwriting platform that turns borrower applications into decision ready credit files for lenders operating in the United States, Southeast Asia and Latin America. It reads whatever the borrower submits, from tax returns to a photographed ledger or an e wallet screenshot, spreads the financials, tests them against the lender's own credit policy, and drafts a credit memo in which every figure links to the page it came from. The lender's credit officer makes the final decision. It is built for banks, community development financial institutions, small business lenders and high volume consumer lenders, including those in thin file markets where bureau data is scarce. The product line has four parts. AI Underwriter produces the memo. AI Credit Officer messages each applicant on WhatsApp, SMS or email in their own language and chases missing documents until the file is complete. Kita Risk Score derives a repayment signal from the documents a borrower uploads and how they submit them. Kita Capture extracts fields from crumpled payslips, scanned bank statements and similar documents and checks them for edits and forgery. An AI loan application form and a borrower portal handle intake, and each product runs as a point solution over a REST API or inside the vendor's Intelligent LOS. Deployments are customer specific with isolated infrastructure, provider allowlisting and in region data residency; the vendor is ISO 27001 certified with SOC 2 Type II in progress. Pricing is not published. Kita sells through demos run on a lender's own files and states that pilots launch in under a month. The company is backed by Y Combinator.