The underwriting OS for SMB lending.
AI agents that turn messy borrower packages into decision-ready credit analysis in 5 minutes.
Trusted across the
lending ecosystem
Results
What lenders report after moving underwriting prep to Kaaj.
Hear it from them: watch the customer videos →
PLUG IN, DON’T RIP AND REPLACE
Send Kaaj your deal package — whatever you have, however you have it.
Forward emails. Accept applications through a Kaaj form. Pipe data through the API. Structured files, unstructured PDFs, spreadsheets, screenshots, and broker threads. Kaaj figures it out. Results land in your existing CRM/LOS or on Kaaj portal.
Forward broker/vendor emails and attachments. Kaaj reads the body, parses the documents, and opens a deal package for review.
A clean, digital credit application. Embed it on your site or send a link.
Push structured applications straight from your origination flow. Subscribe to status changes via webhook.
Parses · verifies · summarizes · drafts
Structured or unstructured, doesn't matter.
Live pipeline, deal rooms, memos, and analytics. Nothing else to set up.
Sync extracted fields, risk summaries, and memos directly into your system of record. Keep your current workflow.
SOURCES
Forward broker/vendor emails and attachments. Kaaj reads the body, parses the documents, and opens a deal package for review.
A clean, digital credit application. Embed it on your site or send a link.
Push structured applications straight from your origination flow. Subscribe to status changes via webhook.
Parses · verifies · summarizes · drafts
Structured or unstructured, doesn't matter.
RESULTS GO
Live pipeline, deal rooms, memos, and analytics. Nothing else to set up.
Sync extracted fields, risk summaries, and memos directly into your system of record. Keep your current workflow.
DOCUMENT INTELLIGENCE
Any lending document. Any format. Structured output, every time.
Handwritten, typed, scanned, photographed. PDFs, Word docs, images, spreadsheets, and statements. Kaaj reads them all and returns clean, auditable data your underwriters can actually use.
Credit Application - revised
KNOW-YOUR-BUSINESS
Verify the business is real before it reaches credit review.
Kaaj pulls SOS filings, scans the web for business presence, verifies address signals, and flags inconsistencies. Every signal is sourced and auditable.
THE STATE OF UNDERWRITING
Your team didn’t become underwriters to shuffle PDFs.
Teams spend too much time on data entry, document chasing, and cross-checking forms. Here’s what that looks like before Kaaj, and what it looks like when agents do the repetitive work for human review.
BEFORE KAAJ
WITH KAAJ
BEFORE KAAJ
WITH KAAJ
Manual data entry from PDFs.
Analysts re-key tax returns, bank statements, applications, and invoices into the LOS.
Documents become structured.
Kaaj classifies files, extracts fields, and returns structured data from borrower packages, bank statements, tax returns, invoices, and supporting documents.
Diligence is browser-tab roulette.
Secretary of State lookups, Google searches, reviews, address checks, and web presence checks all happen in separate windows.
A diligence agent runs in parallel.
Kaaj cross-checks SOS filings, web presence, address signals, adverse indicators, and business legitimacy in one sourced report.
Credit memos take a day to write.
Copy-paste from multiple tools into Word. Reformat. Rewrite. Send to committee. Rewrite again.
Credit memos built from evidence, not effort.
Every section is grounded in source documents, extracted data, verification signals, and policy context. Review, edit, and send to committee.
Software feels stuck in 2008.
Ten-click navigation, brittle workflows, duplicate data entry, and interfaces that slow analysts down.
A UI your team will actually use.
Keyboard-first, review-friendly, and built around the path a deal takes from application to committee-ready memo.
Live activity
Watch credit analysis come together in real time.
HOW KAAJ WORKS
Specialized AI agents for every underwriting step. One clean output.
Each agent handles a focused part of the workflow. Together, they turn raw borrower packages into sourced, review-ready credit analysis.
Parser Agent
Extracts structured fields from borrower documents, statements, invoices, and emails.
Diligence Agent
Cross-checks SOS filings, web presence, address signals, and public records.
Credit Agent
Analyzes cash flow, debt burden, anomalies, collateral, and policy signals.
Memo Agent
Drafts source-backed memos with findings, exceptions, and review notes.
Inbox Agent
Monitors inboxes, portals, forms, and APIs, then triages every incoming deal.
Pipeline Agent
Tracks every deal from ingestion to memo-ready output and surfaces bottlenecks.
Your underwriting inbox
Every deal in one underwriting inbox.
All incoming applications are classified, analyzed, and tracked through to a review-ready memo.
Testimonials
What lending teams say about Kaaj
From equipment finance to broker-led origination, Kaaj helps teams turn borrower packages into structured credit intelligence.
Read the full customer stories