N90 turns chaotic Philippine loan documents into fast, confident decisions with Kita

N90 promises Philippine SMEs fast, fair, flexible financing without the bank headaches. Keeping that promise means reading a borrower’s finances quickly, and the finances arrive as documents.

Bank statements come as scans and printouts from dozens of banks, each with its own layout, and often a different layout per branch of the same bank. Some run newest to oldest, others oldest to newest. Corporate records arrive as SEC General Information Sheets. Then everything is merged into one long PDF, document types jumbled together in no fixed order, at whatever quality the branch scanner produced: skewed pages, faded print, stray characters on every line.

For a lender, each of those pages is a cost. A credit analyst cannot assess a borrower’s cash flow until every transaction is out of the PDF and into a format the analysis can use.

N90’s team either read and encoded those pages by hand or ran them through vendors that broke on anything outside a clean, standard format. The bottleneck was never the credit call. It was getting the documents into a form the credit call could use.

Capture sits inside N90’s lending workflow. More than 98% of N90’s documents reach Kita straight from N90’s own systems through the API, with no one uploading by hand.

Borrower documents go in. Structured data comes out: every transaction on every bank statement, classified and totaled, plus the fields N90 needs from audited financials and SEC filings. The monthly report N90 assesses credit on is built to N90’s own field spec, so names and definitions follow the lender, not the vendor’s defaults.

Every document also comes back with a parse confidence score and authenticity check results, each with a plain-language explanation. N90 tracks those scores in its own alerting, so its team can focus review on the documents that need a second look.