Kita
Intelligent LOSYour AI-native LOS.Book a demo

The AI-native loan origination system.

Automate the busywork. Focus on the decision.

Intelligent LOS chases the documents, reads them, and spreads the financials, so your team spends its time deciding, not collecting. Run it standalone or inside the LOS you already use.

Loan File · 2026-A011
Live
01 · Credit OfficerSMS · EN
Hi, I'm Maya from Kita. Can you send your last 3 months of business bank statements?
Just sent them, plus last year's tax return.
bank_statement.pdf tax_return.pdf
02 · Capture14 fields · 0 flags
Avg monthly revenue$ 0
DSCR0.00
Tampering checkClean
Source confidence0.00
03 · UnderwriterDraft memo · 11 cites

Recommend approving up to $ 0, 24 mo. Stable revenue[1], healthy DSCR[2], no tampering[3].

Cited to bank_statement.pdf · tax_return.pdfAudit ✓

Three modules.

One end-to-end platform.

01 · Top of funnel

AI Credit Officer

Engages every borrower the moment they apply, on WhatsApp, SMS, or whatever channel they use. Speaks 13+ languages. Chases documents until the file is complete.

  • WhatsApp, SMS, email, web chat.
  • Multilingual: English, Spanish, Tagalog, +9 more.
  • Fluent in your lending policy. Asks the right follow-ups.
Read the deep dive
02 · Document layer

Kita Capture

Reads any document, any format. Extracts credit signals and flags fraud in seconds. Standalone API or the foundation under everything else.

  • Reads bank statements, e-wallet records, pay stubs, tax returns, IDs.
  • Tampering detection and metadata checks built in.
  • Output as JSON, CSV, Excel, or your schema.
Read the deep dive
03 · Assessment engine

AI Underwriter

Spreads the financials, reasons across the full file, drafts a credit assessment with every claim cited to its source. Your credit officer decides.

  • Calibrated to your risk policy, not a generic prompt.
  • Every data point cited to its source document.
  • Audit trail on every assessment, exportable to your LOS.
Read the deep dive

Run the full platform.

Or plug it into the LOS you have.

Use the full platform end to end, or drop the modules into the CRM and LOS your team already lives in.

  • Drop-in for existing CRMs and LOSs.HubSpot, Salesforce, in-house systems. The modules talk to your tools through their native APIs.
  • Connects to the systems you run on.Credit bureaus, identity and document verification, core banking. The modules pull from and write back to the tools your team already uses.
  • REST API + webhooks.Every loan-file event fires a webhook: application started, file complete, assessment ready. Wire it however you need.
  • Same intelligence either way.The Underwriter and Credit Officer running in Intelligent LOS are the same ones you embed. No feature gap.
HubSpotCRM
SalesforceCRM
Credit bureausData
WebhooksEvents
REST APIEndpoints
Your LOSIn-house
Intelligent LOS

The whole loan file.

One continuous thread.

i

A borrower sends a message.

WhatsApp, SMS, web form, email, or a HubSpot ticket. Intelligent LOS picks it up wherever your funnel lives.

ii

The Credit Officer collects the file.

Asks for the right documents in the right language. Closes the loop until every required artifact is in.

iii

Capture reads every document.

Extracts the credit signals. Flags fraud. Reconciles claims across documents in the same file.

iv

The Underwriter drafts the assessment.

Spreads the financials. Reads the story behind the numbers. Drafts a memo with every claim cited.

v

The completed file lands back in your stack.

Synced to HubSpot, Salesforce, your in-house LOS, or pulled from the API. Your credit officer makes the call.

One platform.

Every kind of lending.

Thousands of small applications, documents in six languages, officers stretched thin. Intelligent LOS closes the file at the top of the funnel and hands a complete, cited assessment to your team.

  • Multilingual intake — WhatsApp, SMS, email
  • Sub-second document reads at volume
  • A complete file before a human ever looks
Reading documents4 / 4
GCash statement Read
Payslip · TL Read
Barangay cert Read
Government ID Read
File closed at top of funnel →

What changes with

Intelligent LOS.

Product comparison
Before
With Intelligent LOS
Borrower document chasing & follow-up
—
Document reading & structured extraction
—
Financial spreading from any statement
—
Cited credit assessment, drafted for sign-off
—
Full audit log on every file
—
Multilingual intake — WhatsApp, SMS, email
—
Runs standalone or inside your existing LOS
—

Auditable by design.

Accountable by default.

ISO 27001 and SOC 2 Type II in engagement.Both audits are active. Engagement letters available on request to support@kita.ai.
Citations on every claim.Every number in the assessment links to the source line in the source document. Your credit officer can audit any decision.
Your data stays in your region.Data residency for SEA, US, and LatAm workloads. Pulled from your storage, processed in-region, returned to your stack.

From borrower application

to signed memo,in minutes.