Kita
Underwrite borrowers anywhere in the world in minutes
Kita is an AI-native underwriting platform for lenders that turns borrower documents into decision-ready credit files. It addresses the problems of data trapped in unstructured documents, incomplete applications, and manual reconciliation and memo writing. The platform reads varied borrower materials, extracts fields, tests financials against credit policy, and drafts credit memos with figures traced to their source pages, while the lender retains the final decision.
Core modules include AI Underwriter, which reads files and drafts memos; AI Credit Officer, which collects documents from borrowers via WhatsApp, SMS, or email; Kita Risk Score, which generates repayment-risk signals from uploaded documents for thin-file markets; Kita Capture, which extracts fields from photos, screenshots, and PDFs and checks for tampering; AI Loan Application; and AI Borrower Portal. An Intelligent LOS runs all products in one system. Integrations include a REST API, Python SDK, web portal, connectors for nCino, Encompass, Salesforce FSC, Snowflake, BigQuery, Redshift, Postgres, Persona, Alloy, Veriff, Sumsub, Twilio, WhatsApp Business, SendGrid, Postmark, Okta, Auth0, and Azure AD, with deployment options spanning cloud, EU residency, VPC, and on-prem.
Kita serves microfinance, SME and commercial, CDFI, community, and consumer lenders across Southeast Asia, Latin America, and the US. Products can be adopted individually via API or as a full platform. Enterprise features include SSO, dedicated environments, and region-pinned data residency. The pages do not state specific pricing, free plans, or trial terms.
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