Tuned to the waySoutheast Asia actually lends.
Every step of the pipeline, from application to signed memo, is configured to how Southeast Asia lends: chat-first borrowers, thin bureau coverage, and income that lives outside the banking system. Live with enterprise lenders across the Philippines and Indonesia.
Underwriting here breaks
in four places.
Real-world documents are messy.
Screenshots, skewed photos, glare, handwriting, forms in mixed languages. OCR was never built to handle files like these.
Most borrowers have no bureau file.
CIC and CIBI cover a fraction of the market. The documents are the only credit file there is.
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.
Analysts spread statements and draft memos by hand. Hours per file before a single decision.
Underwriting Maria,
from application to signed memo.
Maria Santos manages a retail store in Quezon City and is applying for a ₱250,000 personal loan. She is a thin-file borrower with no credit bureau record, only a stack of payslips. This is how you underwrite her with Kita.
Her payslips become a verified income record.
Maria photographs her payslips and sends them over WhatsApp. Capture analyzes them the way an underwriter would, extracts her real income, and runs tamper checks. Nothing is encoded by hand.
Read moreShe’s missing documents, so Kita chases them, in Tagalog.
The AI Credit Officer follows up on WhatsApp the moment something is missing, answers Maria’s questions, and closes the file in days instead of weeks.
Read moreThe memo drafts itself from her documents alone.
The AI Underwriter spreads Maria’s cash flow against your credit policy and drafts the memo with every number cited to the page it came from. Your underwriter signs.
Read morepayslip-jun.pdf · line 6
One system, full control.
Maria’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.
E-wallet statements
GCash, Maya, ShopeePay, GrabPay, OVO, GoPay, Dana
Bank statements
BDO, BPI, Metrobank, UnionBank, Landbank (PH); BCA, Mandiri, BNI, BRI (ID)
Government IDs & records
SSS, PhilHealth, Pag-IBIG, BIR (PH); e-KTP, NPWP, BPJS (ID)
Employment & income
Payslips, DTI registration, SEC registration, COE
Invoices & OR/CR
Official receipts, BIR Form 2303, supplier invoices
Credit profiles
TransUnion PH, CIBI, CIC reports
Utilities & address proof
Meralco, Manila Water, PLDT, Globe (PH); PLN, PDAM (ID)
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 Southeast Asia.
Audited financials, BIR Form 2303, DTI and SEC registrations, payslips. Cash-flow modeling calibrated to Filipino and Indonesian SME profiles.
- Cash-flow modeling from any statement format
- BIR and SEC filings 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 PH and ID data-residency rules.
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.