Solutions
Built for the teams moving small business credit.
Kaaj adapts to the way lenders, brokers, funders, and banks intake files, verify businesses, analyze cash flow, detect risk, and generate credit-ready documentation.
Equipment Finance
Small-ticket deals still carry large-ticket operating costs. Manual intake, verification, and memo creation compress margins.
What Kaaj automates:
- Automate deal intake from email, portal, API, or drive
- Extract invoice details, vendor signals, and equipment pricing
- Cross-check SOS records, web presence, and ownership
- Detect MCA stacking, overdrafts, and cash flow trends
- Generate structured credit memos with evidence trail
Brokers
Every lender wants the same deal packaged a different way. Brokers lose time re-chasing documents and reformatting for multiple credit boxes.
What Kaaj automates:
- Forward email threads or upload files for auto-classification
- Detect missing statements, unsigned forms, and lender gaps
- Verify entity status, web presence, and address signals
- Summarize revenue, cash flow, and MCA activity before lenders ask
- Generate lender-ready summaries and structured deal packs
Merchant Cash Advance
Same-day funding windows leave no room for manual bank reviews. MCA teams need revenue quality, stacking detection, and repayment capacity in minutes.
What Kaaj automates:
- Ingest ISO submissions from email, forms, APIs, and portals
- Run bank statement integrity and tampering checks
- Identify existing funder payments and recurring debits
- Separate operating revenue from transfers and one-time deposits
- Create structured analysis ready for credit or syndication
Community Banks
Relationship banking still runs through document-heavy workflows. Manual analysis slows decisions and makes consistency harder to prove.
What Kaaj automates:
- Organize applications, statements, tax returns, and financials
- Cross-check SOS, web presence, addresses, and ownership
- Analyze deposits, NSFs, daily balances, and debt payments
- Spread tax returns and financials with ratio extraction
- Draft committee-ready memos with exam-friendly evidence trail
SMB Lending
SMB lending is operationally expensive because every deal requires human judgment across messy documents and inconsistent bank data.
What Kaaj automates:
- Normalize submissions from any channel into structured deal views
- Verify businesses across SOS, web, and ownership signals
- Classify revenue, transfers, NSFs, and debt obligations
- Spread financials and extract ratios with traceability
- Generate policy-aware memos and sync to LOS or CRM
Shared Platform
One intelligence layer. Different lending workflows.
Every solution runs on the same Kaaj platform, purpose-built for small business credit underwriting.
Document intake and classification
File organization and completeness checks
KYB and business verification
Bank statement analysis and cash flow classification
Fraud and anomaly detection
Financial spreading and ratio extraction
Policy-aware credit memo generation
CRM and LOS sync
Audit trail and evidence preservation
Trusted By
Trusted across small business lending workflows
From equipment finance to broker-led origination, Kaaj helps teams turn borrower packages into structured credit intelligence.
See Kaaj in your lending workflow.
Book a live demo tailored to your team's workflow, credit policy, and deal volume.
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