Kita

Kita builds an AI-native stack for loan underwriting. Its framing is that legacy lending breaks in three places: risk data sits locked inside messy documents that older tools cannot parse, borrower files arrive incomplete and trigger endless chase emails, and underwriting stays manual with figures reconciled and memos written by hand. Kita targets all three, aiming to give every file the judgment of your most experienced credit officer.

The platform is modular. Kita Capture handles vision-language extraction and document fraud checks on photos, screenshots and scanned PDFs, reporting very high extraction accuracy. Kita Risk Score generates an alternative credit signal for thin-file borrowers that can strengthen an existing model rather than replace it. AI Underwriter applies your own credit policy to the whole file and drafts a sourced memo, while AI Credit Officer chases borrowers conversationally in their own language. Lenders can adopt one product over the API alongside an existing LOS or move to the full Intelligent LOS.

Kita is a Y Combinator-backed company that has raised $4.5M in seed funding led by BoxGroup. It focuses on markets where credit bureau coverage is thin, naming Southeast Asia, the United States and Latin America, and stresses that the lender's team always makes the final credit decision.