API reference

Base URL: https://underwriter.kita.ai/api/v1. Send your API key with every request.

See the Quickstart for a working example and the Integration guide for permissions, retries, and processing states.

Applications

Single-call application intake

Create an application with optional files. Send multipart form data with an application JSON string and file/files parts, or JSON without files. Keep the total request below 4.5 MB.

Reusing external_ref within your organization returns the existing application (200, idempotent: true) without changes; attached files are skipped.

Every application endpoint identifies the application in its path by the UUID id or the human app_id (e.g. APP-1042) from the response.

Scope: write

curl -X POST "https://underwriter.kita.ai/api/v1/intake" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx" \
  -F 'application={"business_name":"Example Bakery","borrower_email":"borrower@example.com","loan_type":"SBA 7(a)","loan_amount":250000,"external_ref":"LOS-44821","send_outreach":false}' \
  -F "file=@./2023_form_1120s.pdf"

{
  "data": {
    "id": "<id>",
    "app_id": "<app_id>",
    "external_ref": "<external_ref>",
    "business_name": "<business_name>"
  },
  "idempotent": true
}

List applications

List applications in your org, most-recently-active first.

Scope: read

curl -X GET "https://underwriter.kita.ai/api/v1/applications" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "data": [
    {
      "id": "...",
      "app_id": "APP-1042",
      "status": "underwriting"
    }
  ],
  "pagination": {
    "total": 137,
    "limit": 25,
    "offset": 0
  }
}

Create an application

Create an application without files. Accepts the same metadata as intake, including external_ref for deduplication. Add files with the upload endpoint.

Scope: write

curl -X POST "https://underwriter.kita.ai/api/v1/applications" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{
  "business_name": "Rivera Family Bakery LLC",
  "borrower_email": "maria@riverabakery.com",
  "loan_type": "SBA 7(a)",
  "loan_amount": 250000
}'

{
  "data": {
    "id": "<id>",
    "app_id": "<app_id>",
    "external_ref": "<external_ref>",
    "business_name": "<business_name>"
  },
  "idempotent": true
}

Get an application

Fetch one application by UUID or by human app_id (e.g. APP-1042). Includes a live document_count.

Scope: read

curl -X GET "https://underwriter.kita.ai/api/v1/applications/{id}" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "data": {
    "id": "<id>",
    "app_id": "<app_id>",
    "external_ref": "<external_ref>",
    "business_name": "<business_name>"
  }
}

Update an application

Update mutable fields. All fields optional; omit to leave unchanged.

Scope: write

curl -X PATCH "https://underwriter.kita.ai/api/v1/applications/{id}" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx" \
  -H "Content-Type: application/json" \
  -d '{
  "status": "approved"
}'

{
  "data": {
    "id": "<id>",
    "app_id": "<app_id>",
    "external_ref": "<external_ref>",
    "business_name": "<business_name>"
  }
}

Archive an application

Reversibly archive an application. Its child records and stored documents are retained. deleted: true is kept for compatibility; archived: true describes the operation. This endpoint does not permanently erase data.

Scope: write

curl -X DELETE "https://underwriter.kita.ai/api/v1/applications/{id}" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "data": {
    "deleted": true,
    "archived": true,
    "archive_id": "7786293f-b0a9-4c2f-805c-f6240637077d",
    "archived_at": "2026-09-21T22:43:46.311Z",
    "already_archived": false
  }
}

Documents

List documents

List an application's documents. Add ?include=download_url to attach a signed download URL (1-hour expiry) to each.

Scope: read

curl -X GET "https://underwriter.kita.ai/api/v1/applications/{id}/documents" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "data": [
    {
      "id": "9f2...",
      "doc_name": "2023_form_1120s.pdf",
      "doc_type": "Tax Return",
      "classified_type": "form_1120s",
      "status": "verified",
      "flag_message": null,
      "source": "API upload",
      "storage_path": "org/app/2023_form_1120s.pdf",
      "download_url": "https://...signed...&expires=3600"
    }
  ]
}

Upload documents

Upload one or more files to an existing application as multipart/form-data. Accepts a single file field or repeated file/files fields (a whole package in one call).

A single-file upload returns one document object; multiple files return an array under data. Poll the document(s) for progress. Keep the request below 4.5 MB. After a partial failure, list documents before retrying; retries can create duplicate files.

Scope: write

curl -X POST "https://underwriter.kita.ai/api/v1/applications/{id}/documents" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx" \
  -F "file=@./941_q1.pdf"

Get a document

Fetch a single document including the full extraction result. Poll this endpoint for progress: status transitions awaiting → processing → verified / low_confidence.

Scope: read

curl -X GET "https://underwriter.kita.ai/api/v1/applications/{id}/documents/{docId}" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "data": {
    "id": "<id>",
    "doc_name": "<doc_name>",
    "doc_type": "<doc_type>",
    "classified_type": "<classified_type>"
  }
}

Delete a document

Delete a document (row + storage file) and recompute file completeness. Returns { "data": { "deleted": true } }.

Scope: write

curl -X DELETE "https://underwriter.kita.ai/api/v1/applications/{id}/documents/{docId}" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "data": {
    "deleted": true
  }
}

Read a document transcript

Reconstruct existing layout text; this does not run OCR. Defaults to plain text. JSON includes per-page text, counts, and has_text. Documents without layout text return has_text: false in JSON; TXT returns a no-text message.

Scope: read

curl -X GET "https://underwriter.kita.ai/api/v1/applications/{id}/documents/{docId}/transcript" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "type": "string"
}

Read all document transcripts

Read existing text for every document. JSON is the default and includes has_text per file; TXT groups text under document headers. Documents without layout text remain in the inventory.

Scope: read

curl -X GET "https://underwriter.kita.ai/api/v1/applications/{id}/transcripts" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "type": "string"
}

Credit

Get the credit picture

Read the current assessment: scorecard, credit policy, financial spread, adjustments, and routing recommendation. Unavailable computed objects are null; adjustments is an array. Results update as documents process.

Scope: read

curl -X GET "https://underwriter.kita.ai/api/v1/applications/{id}/credit" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "data": {
    "application_id": "b1e7c9a4-...",
    "app_id": "APP-1042",
    "spread": {
      "adjusted_ebitda": 412000,
      "adjusted_net_income": 188500,
      "ratios": {
        "dscr": 1.42,
        "global_dscr": 1.31,
        "debt_to_worth": 2.1,
        "current_ratio": 1.6,
        "ltv": 0.74
      }
    },
    "adjustments": [
      {
        "line_item": "owner_comp_addback",
        "label": "Owner compensation to market",
        "amount": 60000,
        "source": "ai"
      }
    ],
    "decision": {
      "routing": "human_review",
      "auto_routed": false,
      "rules": [
        {
          "label": "Min DSCR 1.25x",
          "outcome": "pass",
          "actual": 1.42,
          "expected": 1.25
        }
      ]
    }
  }
}

Read decision-engine inputs

Versioned evidence for a lender-owned decision engine. Inspect assessment.complete and missing_required_metrics before using the snapshot. Completeness requires configured metrics, provider operations, and a versioned calculation timestamp; it is not loan approval.

Scope: read

curl -X GET "https://underwriter.kita.ai/api/v1/applications/{id}/decision-input" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "data": {
    "schema_version": "kita.underwriting_decision_input.v1",
    "assessment": {
      "complete": true,
      "missing_required_metrics": []
    }
  }
}

Diagnose the scorecard

Read product configuration, inputs, computed metrics, rendered scorecard, and diagnosis. diagnosis.blocked_at identifies the first missing or invalid layer; this read does not recalculate the assessment.

Scope: read

curl -X GET "https://underwriter.kita.ai/api/v1/applications/{id}/scorecard" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "data": {
    "diagnosis": {}
  }
}

Read historical precedents

Read the advisory precedent table. Disabled, not_run, no_matches, and unavailable states return 200 with an empty precedents array. Historical comparisons do not make a lending decision.

Scope: read

curl -X GET "https://underwriter.kita.ai/api/v1/applications/{id}/historical-precedents" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "data": {
    "status": "disabled",
    "precedents": []
  }
}

Memo

Read the memo

Read the memo sections in order. Bodies preserve their JSON structure; citation markers and citation_map are removed recursively.

Scope: read

curl -X GET "https://underwriter.kita.ai/api/v1/applications/{id}/memo" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "data": {
    "last_synthesis_at": "2026-06-17T18:22:09.000Z",
    "sections": [
      {
        "section_number": 1,
        "title": "Deal Summary",
        "body": {
          "text": "Rivera Family Bakery requests equipment financing."
        },
        "locked_by_lo": false,
        "updated_at": "2026-06-17T18:22:09.000Z"
      }
    ]
  }
}

Generate the credit memo

Start memo generation. Returns 202 with data.status of accepted or already_running. Poll /applications/{id}/memo/status and check for failure before reading the memo. Sample applications cannot generate memos.

Scope: write

curl -X POST "https://underwriter.kita.ai/api/v1/applications/{id}/memo" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "data": {
    "status": "accepted",
    "application_id": "<application_id>",
    "poll": "<poll>"
  }
}

Poll memo freshness

Freshness + synthesis progress. Poll after POST …/memo until synthesis_in_progress is false. Check last_run_status for failure; is_stale indicates whether the memo needs refreshing.

Scope: read

curl -X GET "https://underwriter.kita.ai/api/v1/applications/{id}/memo/status" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "data": {
    "synthesis_in_progress": true,
    "is_stale": true,
    "stale_reasons": [
      "<stale_reasons>"
    ],
    "new_doc_count": 42
  }
}

Conversation

Read borrower conversation

The borrower-facing thread, ordered by display_order. Pass ?after={display_order} to fetch only newer messages for incremental sync.

Scope: read

curl -X GET "https://underwriter.kita.ai/api/v1/applications/{id}/conversation" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "data": [
    {
      "display_order": 42
    }
  ]
}

Exports

Download the extraction workbook

Download the extraction workbook (a Summary sheet plus one sheet per file area) as .xlsx. Returns 404 if no document has extraction data yet.

Scope: read

curl -X GET "https://underwriter.kita.ai/api/v1/applications/{id}/export" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "type": "string",
  "format": "binary"
}

Export the memo or financial spread

Download the current memo PDF (default) or financial-spread XLSX. This does not start synthesis. Generate and poll the memo first for populated narrative. XLSX returns 404 when no spread exists; it differs from the raw extraction workbook at /export. Historical precedents can be included in PDF only.

Scope: read

curl -X GET "https://underwriter.kita.ai/api/v1/applications/{id}/memo/export" \
  -H "Authorization: ApiKey kita_uw_xxxxxxxxxxxx"

{
  "type": "string",
  "format": "binary"
}