Lending and loan underwriting software for the Philippines.
Kita is AI underwriting software for Philippine lenders. It collects the borrower's documents on WhatsApp, reads Philippine bank statements, e-wallet statements, payslips and BIR, SEC and DTI filings in any format, and drafts a credit memo against your credit policy with every figure cited to its source. Your underwriter makes the decision.
Which Philippine documents does Kita read?
The ones Philippine borrowers actually send, as photos, screenshots, scans or PDFs. CIC and CIBI cover a fraction of the market, so for most borrowers these documents are the only credit file there is.
E-wallet statements
GCash, Maya, ShopeePay and GrabPay statements, as screenshots or exports.
Bank statements and passbooks
BDO, BPI, Metrobank, UnionBank and Landbank statements, and bank passbooks.
BIR filings and financial statements
BIR Form 2303 and 2307, income tax returns on BIR Forms 1700, 1701 and 1702, and audited financial statements.
Business and corporate records
DTI and SEC registrations, General Information Sheets, secretary's certificates, business permits, mayor's permits and barangay clearances.
Employment and income
Payslips, certificates of employment and SSS DDR vouchers.
Government IDs and records
SSS, PhilHealth, Pag-IBIG and BIR records, TIN ID cards and other government-issued IDs.
Credit reports
CIC reports and CIBI and TransUnion PH credit profiles.
Collateral and loan documents
TCT and OCT land titles, LTO vehicle registrations, and loan agreements and promissory notes.
Bills and receipts
Meralco, Manila Water, PLDT and Globe bills as proof of address, official receipts and supplier invoices.
How does a Philippine loan file go from WhatsApp to a credit memo?
Kita runs the same five steps on every file, from the first WhatsApp message to a cited credit memo, and your underwriter decides.
Collect the file
The AI Credit Officer messages the borrower on WhatsApp, SMS or email, in English, Filipino, Bisaya or 30+ other languages. It asks for the documents your loan product needs, checks each upload as it lands, answers the borrower's questions and follows up until the file is complete.
Check every document for fraud
Kita Capture reads payslips, GCash statements, bank statements and BIR filings as they arrive, including skewed photos, screenshots and handwriting. It runs tamper checks on each document and cross-checks BIR and SEC filings, CIC reports and employer records against the rest of the file.
Spread the financials and read the risk
Kita models cash flow from any statement format, calibrated to Filipino SME profiles. The AI Underwriter spreads the borrower's cash flow against your credit policy, so a thin-file borrower with no bureau record is underwritten from the documents alone.
Draft the memo against your policy
The file is held against your encoded credit policy, and anything outside it is flagged, never waved through. The AI Underwriter drafts the credit memo with every figure cited to the document line it came from.
Your underwriter decides
Your underwriter reviews work that is already done and signs the decision. The application, documents, checks and decision stay in one system of record, or go into the loan origination system you already use through the API.
Which Philippine lenders is Kita built for?
Kita is live with enterprise lenders in the Philippines. It is configured to each lender's loan products, credit policy and memo format, whether that is a microfinance loan, a salary loan, an agri loan or SME term credit.
SME and commercial lenders
Audited financials, BIR Form 2303, DTI and SEC registrations and payslips. Cash-flow modeling is calibrated to Filipino SME profiles, and the memo is drafted in your template, cited to source.
Consumer fintechs and microlenders
Hundreds of alternative-data risk signals from GCash statements, scored by Information Value, for your own underwriting model. Kita Risk Score returns numeric credit risk scores from any borrower document over API.
Banks and digital banks
Bank statements, CIC reports, payslips and utility bills. Cash-flow modeling and full-file review at branch-network volume, calibrated to your credit policy.
TRBank, a rural bank serving MSMEs, ran 5,100 paper loan records approved from 2022 to 2025 through Kita Capture in under a week and got 452,236 structured field values back at 97%+ field-level accuracy.
N90, an SEC-registered financing company lending to SMEs, has processed more than 43,000 pages through Kita Capture since February 2026, with 98% of its documents arriving straight through the API.
Where does Philippine borrower data stay?
In the region. Borrower data stays in-region under Philippine data-residency rules, and a person on your team signs every credit decision.
Every figure links to the document line that produced it.
A full audit log on every file.
Your thresholds and required checks, encoded once, applied always.
The AI drafts and explains. A human makes every decision.
Run Kita as your loan origination system, or connect it to the LOS, CRM or core you already use through REST APIs and webhooks.
SOC 2 Type II compliant and ISO 27001 certified.