Kaaj

Overview

Kaaj deploys multiple AI agents that work together to take a raw small business borrower package through the whole credit analysis chain, covering document intelligence, business verification, bank statement and cash flow analysis, asset valuation, fraud detection, financial analysis and risk assessment, and producing a decision ready credit memo in under three minutes where an underwriter would take days across thousands of documents. It also shows a lender whether an applicant meets that lender's own policy criteria. The economic argument behind it is precise: underwriting a hundred thousand dollar loan costs a lender the same as a five million dollar one, so loans under a million are unprofitable and go unmade, which is why roughly half of small business applicants do not receive the capital they seek. Buyers are equipment finance companies, small business lenders, brokers, private credit teams and community institutions.

Details

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