SMB Lending
Make small business lending profitable at any ticket size.
Kaaj automates the work between application received and credit decision: document intake, KYB, cash flow analysis, fraud checks, financial spreading, policy review, and credit memo generation.
The Challenge
SMB lending is operationally expensive at any ticket size.
Every small business deal requires human judgment across messy documents, inconsistent bank data, and fragmented verification sources. Manual underwriting doesn't scale. Hiring more analysts erodes the economics of small-ticket credit.
How Kaaj Helps
Purpose-built capabilities for smb lending teams.
Intake automation
Kaaj ingests from email, portal, API, or drive; classifies every document; detects missing items; and assembles clean deal files.
KYB and business verification
Cross-check SOS records, web presence, domain age, reviews, ownership, and address consistency in a single view.
Bank statement analysis
Classify revenue, transfers, NSFs, overdrafts, MCA payments, and cash flow trends across 3, 6, or 12 months.
Fraud and anomaly detection
Flag tampered documents, mismatched names, duplicate applications, and suspicious business signals before analysis begins.
Financial spreading
Extract and spread tax returns and financial statements with traceable ratio calculations and DSCR views.
Policy-aware credit memo
Generate structured memos with borrower summary, cash flow analysis, risk signals, policy exceptions, and evidence trail.
CRM and LOS sync
Push structured outputs to Salesforce, nCino, or your LOS. Kaaj fits into your stack without rip and replace.
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
Packages from any channel are auto-ingested, classified, and organized into structured deal views.
Verify
Businesses are verified across SOS, web presence, ownership, and address consistency.
Analyze
Bank statements are classified for revenue, cash flow, and risk signals. Financials are spread with ratios.
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 to CRM and LOS without duplicate data entry.
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.
SMB lenders
Reduce the manual cost of underwriting small business credit at any deal size.
Banks and credit unions
Bring speed and consistency to small business lending workflows.
Private credit funds
Apply institutional-grade analysis to every deal without scaling headcount.
Fintech lenders
Power automated underwriting with structured data extraction and analysis.
Embedded finance teams
Integrate credit intelligence into platform-native lending workflows.
Trusted by lending teams
What lending teams say
“Kaaj's AI agents have eliminated manual data entry from applications, simplified business verification using SOS and online footprint data, and automated bank statement analysis, resulting in faster funding decisions and smarter lead prioritization.”