Customer Story · Commercial finance broker
A file that took three days to figure out is analyzed in seconds
Finance Pros brokers commercial loans across all 50 states — SBA, equipment, working capital, and more. As Kaaj's first full-line brokerage, Neysa Smith turned a one-woman manual operation into a growing team.
Neysa Smith on video. Chapters and full transcript
Seconds
to analyze a file that used to take up to three days
Neysa Smith
CEO, Finance Pros Inc
3 days
of manual file review, now done in seconds
50
states covered, with registration verified automatically in each
First
full-line commercial lending brokerage on Kaaj — not just equipment
Solo → team
grew headcount because the system carries the manual work
“It enhances how you run your commercial lending business — there's no doubt about it. Manual, versus AI technology that does things quickly and gives you a write-up? Where do you get that? Not even banks have that.”
— Neysa Smith, CEO, Finance Pros Inc
The Challenge
A 50-state practice run entirely by hand
Neysa Smith didn't go looking for software — by her own account, she didn't know she had a pain point until Kaaj co-founder Shivi approached her. She was running Finance Pros alone, doing everything manually, for borrowers in all fifty states.
Fifty states means fifty different Secretary of State registrations to check, one at a time. As Neysa puts it, she only knows Florida's — every other state was a manual research project before a file could move.
“I didn't know I had a pain point until I was approached by Shivi. I was doing everything manually, by myself — and with 50 states, even the state registration had to be done separately.”
The Solution
An AI write-up before she even opens the file
Finance Pros became the first commercial lending brokerage on Kaaj to run its full product line — not just equipment — through the platform. That early-partner seat meant Neysa's suggestions shaped the product, and Kaaj implemented them.
Her reading order on every deal is now fixed: the AI write-up first, because it surfaces the red flags up front. A recent file arrived with no Social Security number and a business name that didn't match its registration — flagged in seconds, where manual review might have missed it entirely. Then bank analytics (existing loans, balances, how the borrower manages money), then the credit report, and lender matching last — only once a deal has earned it.
The verification layer does the 50-state legwork automatically: state registration, know-your-business, and the borrower's web footprint, assembled before she's read page one.
“I know everything but their blood type and how many children they have — in a matter of seconds. We make decisions quickly, we don't bother lenders with deals that won't fly, and we have a better relationship with our lenders because of it.”
The Results
Growth she couldn't have staffed her way into
The ROI Neysa names first isn't time — it's headcount. Because the system carries the gathering, analysis, and packaging, she's been able to add teammates who run deals end-to-end: read the analysis, decide if it goes forward, assemble the package, send it to the lender. More people under the same umbrella, more revenue for the company.
The time math is still striking: a file that could take her three days to figure out is analyzed in seconds, so she works more files in a day and spends the recovered hours on marketing instead of paperwork.
She's also become Kaaj's most natural evangelist — she's given the demo to other brokers many times, and her advice to them is consistent: see the system before you decide anything.
“One file that could take me three days to figure out is done in a matter of seconds. Now I can do more files in one day and spend more time marketing instead of the nitty-gritty of the paperwork.”
Beyond the software
A partner that knows lending — and picks up the phone.
The Kaaj team — including founders Utsav and Shivi — works hands-on with every customer. No retrofitted generic tool, no AI chatbot standing between you and an answer.
Responsive support
“We felt honored to start with Shivi and then be able to develop it, enhance it, change it — make suggestions that they did implement, which is great.”
Built for this industry
“I was the first commercial lending broker that had everything, not just equipment. They wanted to test that with us — and now I'm able to have more teammates working with us because of the system.”
In Neysa’s words
The transcript of the video above, by chapter. Watch with chapters
Full transcript
The first full-line broker on Kaaj
So I didn't know I had a pain point until I was approached by Shivi, the owner of Kaaj, one of the owners, and I was doing everything manually by myself. And since I work with 50 states, it was very difficult to know, even the state registration, everything had to be done separately. So when she proposed this system, and it was kind of new, I was the first broker, commercial lending broker, that had everything, not just equipment. So it was kind of like, you know, they wanted to test that with us. We felt honored to start with her and then be able to develop it, enhance it, change it, make suggestions that they did implement, which is
Lender matching and verification
Now I'm able to have more teammates working with us because of the system. They don't have to do anything. They pretty much gather, they read, analyze, decide if it's going forward to the lender, put the package together and send it to the lender. So it's a much more efficient process. And the lender matching, of course, is great. You know, after we've added the lenders, having those there, verifying everything. I mean, I know everything, but their blood type and how many children they have in a matter of seconds. So to me, that's really important. We've made decisions quickly. You know, this is not going to fly. We're not bothering the lender. So we have a better relationship with the lender too, because of
Red flags in seconds
I love all the AI analytics and bank analytics. It's the first thing I look at. I love the fact that it gives me a write-up up front of what it saw in this file, right? So yesterday we received one, he didn't put a social, the names didn't match with the registration. All these things are red flags that I would have had to manually look for or even I might miss it, right? So this did in a matter of seconds and gave me all the pointers as to you need to look into this. I love
50 states, verified
This is really important. We're in 50 states. I only know Florida, right? So that's really important. It does it for me. And then know your business, know your customer, the KYB, you know, so it's really
Three days → seconds
I've been able to add teammates because of the system. I don't think I would have been able to do that, which of course helps us with our growth, right? More people working under the same umbrella, more revenue for the company. So I think that's one of the things I like the most for the return on investment. Obviously my time is worth something. So one file that could take me three days to figure out is done in a matter of seconds. Now I can do more files in one day, right? And spend more time marketing instead of in the nitty-gritty.
What she tells other brokers
done many, many times. They need to see the system. It does enhance how you run your commercial lending business. There's no doubt about it. You know, manual versus AI technology that does things quickly and gives you a write-up. Where do you get that? Not even banks have
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