Equipment Finance
Make every equipment finance deal worth underwriting.
Kaaj automates intake, KYB, invoice review, bank statement analysis, fraud checks, financial spreading, and credit memo generation so equipment finance teams can move faster without lowering credit discipline.
The Challenge
Small-ticket deals still carry large-ticket operating costs.
An equipment deal for $50,000 can require the same intake, document review, business verification, bank analysis, and credit memo work as a much larger transaction. When that work stays manual, speed suffers, margins compress, and brokers route deals to whoever responds first.
How Kaaj Helps
Purpose-built capabilities for equipment finance teams.
Deal intake and package hygiene
Kaaj ingests submissions from email, portal, API, or drive; classifies documents; detects missing items; and organizes every file before underwriting starts.
Equipment invoice intelligence
Extract vendor, equipment type, pricing, invoice details, and borrower-vendor signals from messy invoice formats.
KYB and business legitimacy
Cross-check Secretary of State records, web presence, address signals, ownership clues, and business consistency before analysts spend time on the file.
Bank statement analysis
Classify deposits, identify transfers and non-revenue activity, detect overdrafts and NSFs, calculate cash flow trends, and surface MCA exposure.
Fraud and anomaly detection
Flag mismatched names, suspicious documents, altered statements, inconsistent addresses, and unusual package patterns.
Credit memo automation
Generate a structured memo with borrower summary, KYB findings, cash flow analysis, policy exceptions, risk signals, and evidence trail.
LOS and CRM sync
Push structured fields, documents, and memo outputs into Salesforce or existing LOS workflows without ripping out current systems.
How It Works
From raw package to structured output.
Kaaj turns borrower files, business signals, bank activity, and policy context into review-ready analysis your team can use.
Intake
Email, portal, API, or drive submissions are ingested, classified, and organized into a clean deal package.
Verify
SOS records, web presence, addresses, ownership, and invoice details are cross-checked before underwriting starts.
Analyze
Bank statements are classified for revenue, transfers, NSFs, overdrafts, and MCA exposure.
Review
Fraud signals, document tampering, invoice inconsistencies, and collateral details are surfaced for human review.
Memo
A structured credit memo is generated with evidence trail, risk signals, and policy exceptions.
Sync
Structured outputs are pushed to Salesforce, LOS, or CRM. No rip and replace.
By the Numbers
Underwriting intelligence, deal after deal.
$15B+
Loan originations processed
<5 min
Raw package to structured analysis
90%
Reduction in manual review
~3 weeks
Typical go-live
Who It Serves
Built for teams that move small business credit.
Independent equipment finance companies
Underwrite more deals per analyst without adding headcount.
Small-ticket lenders
Make sub-$150K deals profitable through automated package processing.
Vendor finance teams
Turn vendor submissions into structured credit packages in minutes.
Broker-driven origination teams
Reduce broker back-and-forth with automated completeness checks.
Private lenders and specialty finance
Apply consistent credit discipline at any deal volume.
Trusted by equipment finance teams
What equipment finance teams say
“Kaaj's AI agents have become a force multiplier for our operations, streamlining intake and credit workflows, eliminating manual data entry, and empowering our team to respond to partners faster and more consistently. The result: a sharper, more reliable experience at every touchpoint”
“Kaaj AI agents streamlined our origination and underwriting workflows, saving our sales and credit teams hours and enabling them to focus on higher-value tasks.”