Table of Contents

Kaaj and Machinery Partner Unite to Launch Capital Solutions for Faster Heavy-Equipment Financing

Machinery Partner’s new Capital Solutions arm is powered end-to-end by Kaaj.ai’s AI underwriting engine—an alliance that embeds real-time credit intelligence directly into heavy-equipment checkout flows. By combining Kaaj’s sub-90-second prescreening with a nationwide lender network led by Mazo Capital Solutions, contractors can secure up to $5 million in funding in minutes while tailoring terms to seasonal cash flow.

This partnership was reported and covered by Equipment Finance News, Monitor Daily, Leasing Life, and Yahoo Finance.

Partnership at a Glance

  • Strategic scope – Kaaj supplies automated KYB, fraud checks, and cash-flow analytics; Machinery Partner layers the experience into its 42-state marketplace, while Mazo Capital handles back-room funding and servicing. 

  • Speed & scale – Online applications under $500 k receive instant decisions; larger tickets up to $5 m route to the best-fit lender without paperwork bottlenecks. 

  • Flexible terms – Options include 90-day payment deferrals, seasonal amortization, and even “bring-your-own-lender” compatibility so borrowers can keep existing banking relationships.

How Kaaj’s AI Engine Drives the Workflow

Kaaj ingests bank statements, SOS data, and tax returns, extracting 95 %-accurate cash-flow metrics across any format before rendering a risk grade and recommended structure—all in under two minutes. Its agents then push approved terms back to the marketplace, so a quarry operator viewing a $1.2 m jaw crusher sees financing options in real time. This closes the traditional three-week underwriting gap and boosts approval rates by matching each borrower to the lender whose credit box best fits the deal.

Voices from the Launch

“Kaaj’s AI agents verify businesses, assess risk, and surface next steps instantly. The result is faster decisions, better matches, and more approvals without the paperwork,” said Shivi Sharma, Kaaj co-founder.

Tim Murphy, CLFP and Equipment Lending Officer at Machinery Partner, added: “Whether you’re a quarry buying a crusher or a small contractor financing a $10,000 breaker, Capital Solutions delivers financing that fits.”

Why It Matters for Contractors & Lenders

  • One-stop ownership journey – Sourcing, financing, and servicing now live on a single platform, reducing drop-off and accelerating equipment uptime.

  • Broader credit inclusion – AI-driven scoring evaluates thin-file SMBs more holistically, opening access beyond traditional captive finance models. 

  • Operational efficiency – Lenders leveraging Kaaj’s APIs cut manual document review and reduce fraud exposure through embedded SOS and OFAC checks. 

About Machinery Partner

Machinery Partner operates an online marketplace for crushers, screeners, and other heavy equipment, currently serving contractors in 42 states with expert advisors and logistics support. 


Press Contact: hello@kaaj.ai
See Kaaj in ActionBook a live demo to watch Kaaj AI agents assess an equipment loan in real time.