Built for the loansbureau scores miss.
Every step of the pipeline, from application to signed memo, is configured to how community lenders work: self-employed borrowers, gig workers, and immigrant entrepreneurs, underwritten from the documents they already have. Live with CDFIs, community banks, and SMB lenders across all 50 states.
Good borrowers fall
through the cracks.
Document collection drags on for weeks.
Files arrive piecemeal over email, Dropbox, even paper, and chasing them can take 30 days to a year.
A patchwork of disconnected tools.
Spread financials in one system, underwrite in another, email PDFs to committee. Nothing talks to each other.
Two underwriters, endless files.
Manual review doesn’t scale. A small team can only get through so many files by hand.
Mission-fit borrowers get declined.
Thin-file and nontraditional-income applicants are hard to assess by hand, so the community you exist to serve gets turned away.
Underwriting Marcus,
from application to signed memo.
Marcus Gonzalez runs Casa Verde Catering and is applying for a $175,000 small business loan through a CDFI. He is a thin-file borrower: bureau scores barely know him, and his income lives in his documents. This is how you underwrite him with Kita.
His 82-page loan file, read in seconds.
Marcus uploads his 82-page loan file: tax returns, P&L statements, bank records, an ITIN letter. Capture analyzes the full set the way an underwriter would, cross-checks the numbers between documents, and flags discrepancies and tampering. Nothing is encoded by hand.
Read moreHe’s missing his March statement, so Kita chases it, over SMS.
The AI Credit Officer follows up the moment something is missing, answers Marcus’s questions, and closes the file in days instead of weeks.
Read moreThe memo drafts itself, every number cited.
The AI Underwriter runs the same analysis your team does, spreads Marcus’s cash flow against your risk policy, and drafts a memo for the loan committee with a citation to every document and source. Fully auditable, and your underwriter signs.
Read morebank-stmt-feb.pdf · line 14
One system, full control.
Marcus’s application, documents, checks, and decision live in one place, with portfolio insights across every file like his.
Read moreEvery borrower document,
read and verified in seconds.
Business tax returns
Form 1120/1120-S, Schedule C, K-1s, 1065 partnership returns, quarterly 941s
Commercial bank statements
Business checking & savings from Chase, BofA, Wells Fargo, regional banks, credit unions
SBA loan packages
SBA 7(a) & 504 applications, SBA 1919 borrower information forms, personal financial statements
Business financials
P&L statements, balance sheets, cash flow statements, accounts receivable aging
Entity & legal documents
Articles of incorporation, operating agreements, EIN verification, business licenses
Non-standard income
Foreign bank statements, remittance receipts, gig platform earnings, informal income proof
Identity & immigration
Driver’s licenses, ITIN letters, resident cards, EAD work permits, visa documents
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 how you lend.
SBA 7(a) and 504 packages, ITIN borrowers, non-standard income proof. Serve more of your community without adding analysts.
- Reads tax returns, P&Ls, bank statements in any format
- ITIN and non-standard income supported
- Audit-ready memo for the loan committee
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 the US, inside your compliance posture.
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.