Tuned to the wayLatin America actually lends.
Every step of the pipeline, from application to signed memo, is configured to how Latin America lends: tax-rail paperwork, informal income, and borrowers the bureaus never scored. Live with fintechs, SOFOMs, and SMB lenders in Mexico.
Lending here breaks
in four places.
Real-world documents are messy.
Scanned constancias, photographed INEs, stamps and seals. OCR was never built to handle files like these.
Bureaus only see formal employment.
Buró de Crédito and Círculo de Crédito miss self-employed, gig, and informal-economy borrowers. Their documents are the credit file.
Files stall on borrower back-and-forth.
Every missing document is another round of WhatsApp, SMS, or email. Borrowers drop off while they wait.
Underwriting stays manual.
IMSS records, payslips, and bank statements reconciled line by line. Hours per file before a decision.
Underwriting Valeria,
from application to signed memo.
Valeria Ortiz runs Grupo Andina, a distributor in Mexico City, and needs MX$4.8M in working capital. She is a thin-file borrower: Buró has never scored her, and her revenue sits in SAT paperwork. This is how you underwrite her with Kita.
Her constancia becomes SAT-verified revenue.
Valeria photographs her constancia and a year of CFDIs and sends them over WhatsApp. Capture analyzes them the way an underwriter would, extracts her SAT-reported revenue, and runs tamper checks. Nothing is encoded by hand.
Read moreShe’s missing statements, so Kita chases them, in Spanish.
The AI Credit Officer follows up on WhatsApp the moment something is missing, answers Valeria’s questions, and closes the file in days instead of weeks.
Read moreThe memo drafts itself from her documents alone.
The AI Underwriter reconciles IMSS records, payslips, and statements against your credit policy and drafts the memo with every number cited. Your underwriter signs.
Read moreestado-cuenta-may.pdf · line 9
One system, full control.
Valeria’s application, documents, checks, and decision live in one place, with portfolio insights across every file like hers.
Read moreEvery borrower document,
read and verified in seconds.
Mexican documents
CURP, RFC, constancia de situación fiscal, IMSS, CFDI, INE
Colombian documents
RUT, cédula de ciudadanía, EPS, pension, Cámara de Comercio
Peruvian documents
SUNAT/RUC, DNI, AFP statements, SUNARP property records
Bank statements
BBVA, Banorte, Santander (MX); Bancolombia, Davivienda (CO); BCP, Interbank (PE)
Invoices & receipts
CFDI 4.0, boletas, facturas, notas de crédito
Credit profiles
Buró de Crédito, Círculo de Crédito (MX), DataCrédito (CO), Sentinel & Equifax (PE)
Payment records
SPEI & CoDi (MX), PSE & Nequi (CO), Yape & Plin (PE), Mercado Pago
Bring an unlisted format. Capture handles it on day one, no templates required.
Forward-deployed engineering builds region-specific edge cases with you.
Purpose-built for Latin America.
Acta constitutiva, CFDI 4.0, estados de cuenta, IMSS records. Cash-flow modeling against SAT-reported revenue.
- Cash-flow modeling against SAT-reported revenue
- CFDI and constancia cross-checked automatically
- Memo drafted in your template, cited to source
Designed with security
and trust at our core.
A platform that fits inside your credit policy, your systems, and your compliance posture.
Data residency
Borrower data stays in-region under Mexican data-storage requirements.
ISO 27001 · SOC 2 Type II
Engagement letters available on request via support@kita.ai.
Your underwriter signs
Kita recommends. Your team makes every credit decision.