Platform
The intelligence layer for small business credit.
Every Kaaj capability runs on one unified platform purpose-built for SMB credit underwriting. From document intake to credit memo, the same intelligence layer powers equipment finance, broker, MCA, community bank, and SMB lending workflows.
Platform Capabilities
Nine capabilities. One intelligence layer.
Every solution runs on the same Kaaj platform. The capabilities below power equipment finance, broker, MCA, community bank, and SMB lending workflows without duplication or silos.
Document intake and classification
Ingest deal packages from email, portal, Google Drive, Dropbox, or API. Kaaj classifies 40+ document types, renames files, and assembles clean deal files before anyone opens a PDF.
File organization and completeness
Detect missing required documents based on deal type and policy. Flag duplicate submissions, incomplete pages, and resubmissions automatically.
KYB and business verification
Cross-check Secretary of State records, web presence, domain age, addresses, ownership, and business consistency in a single view. Verify entity status before analysts spend time on the file.
Bank statement analysis and cash flow
Classify revenue, transfers, NSFs, overdrafts, MCA payments, and cash flow trends across 3, 6, or 12 months. Industry-aware logic adapts classification to the borrower's business model.
Fraud and anomaly detection
Flag tampered documents, mismatched names, duplicate applications, suspicious business signals, altered bank statements, and unusual package patterns before analysis begins.
Financial spreading and ratios
Extract and spread tax returns and financial statements with traceable ratio calculations. DSCR, leverage, profitability, and cash flow views pulled from scanned P&Ls and tax filings.
Policy-aware credit memo generation
Generate structured memos with borrower summary, KYB findings, cash flow analysis, risk signals, policy exceptions, and complete evidence trail. Committee-ready output every time.
CRM and LOS sync
Push structured fields, documents, and memo outputs into Salesforce, nCino, Jack Henry, or existing LOS workflows. Kaaj fits into your stack without rip and replace.
Audit trail and evidence preservation
Preserve extraction results, analyst edits, overrides, and evidence links so second-line reviewers, examiners, and auditors can follow every decision. Document-level traceability built in.
How It Works
From raw package to credit-ready intelligence.
A single platform takes every deal through the same disciplined process regardless of channel, deal type, or team.
Intake
Packages from any channel are auto-ingested, classified, and organized into structured deal views.
Verify
Businesses are verified across SOS, web presence, address, and ownership signals.
Analyze
Bank statements and financials are analyzed for revenue, cash flow, ratios, and risk signals.
Review
Fraud signals, policy exceptions, and risk factors are surfaced for analyst attention.
Memo
A policy-aligned credit memo with complete evidence trail is generated automatically.
Sync
Structured outputs flow into CRM and LOS without duplicate data entry.
Products
Explore individual platform capabilities.
Dive deeper into each capability. Every product runs on the same intelligence layer, so data flows seamlessly across your workflow.
Trusted across small business lending workflows
See the full platform in action.
Book a live walkthrough of Kaaj's platform capabilities tailored to your team's workflow and deal types.
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