Every file gets your best underwriter.
Kita reads the documents, builds the spread, holds the file against your credit policy and drafts the memo. Your underwriter reviews work that is already done and signs the decision.
Credit assessment breaks at scale.
More volume usually means more analysts, or the same analysts cutting corners. Neither is a plan.
Inconsistent decisions
Different analysts apply different standards, and portfolio risk compounds.
Generic models do not fit your book
Off-the-shelf scores miss the signals that actually predict repayment in your portfolio.
No feedback loop
Your underwriting logic never learns from the outcomes you generate.
Speed against quality
Scaling volume means more analysts or lower-quality decisions.
Four steps, from documents to a signed memo.
The same sequence a good analyst follows, run on every file in the same order, at the same standard.
Spread the financials
Statements, general ledgers and bank data are pulled into a normalized period-over-period spread. Debt service coverage, margin, debt service and trend are computed in one pass.
Financial spreadingRead the story behind the numbers
Picks up what the spread alone will not tell you: concentration risk, moving margins, what a late filing implies.
Credit analysisCheck it against your policy
Every file is held against your encoded credit policy, and anything outside it is flagged, never waved through.
Draft the memo
The memo a senior analyst would write, every claim cited to its source line, ready for your underwriter to sign.
Any loan type, not one product line.
The credit policy changes per product. The method does not, so adding a product does not mean adding a system.
Working capital
Revolving facilities and short-term lines against trading performance
Equipment finance
Asset-backed term lending and leasing
SBA 7(a) and 504
Full packages, including the cash proof the 2026 rules ask for
Commercial real estate
Income-producing property, rent rolls and debt service
Term loans
Amortizing business credit against financial statements
Small business
Thin-file and first-time borrowers, including non-standard income
The non-negotiables.
Every figure links to the document line that produced it.
Your thresholds and required checks, encoded once, applied always.
Every repayment and default sharpens the next recommendation.
The AI drafts and explains. A human makes every decision.
API-first. Integrates into your existing LOS, credit engine or custom workflow.