Kaaj is an agentic AI platform for small-business lending that dramatically reduces the time required for credit analysis, from days down to under three minutes. It’s built for small-business lenders who need to make sub-$1M loans profitable, a segment traditionally underserved because manual underwriting costs don’t scale down well for smaller loan sizes. By automating the credit analysis process, Kaaj aims to expand capital access for underserved small businesses while making the economics work for lenders. Its differentiation is a narrow, deep focus on the small-business lending underwriting process specifically.
Kaaj
Turning days of credit analysis into minutes.
Compliance
SOC 2
Key Features
- Rapid credit analysis — Automates credit analysis to reduce turnaround time from days to under three minutes.
- Sub-$1M loan economics — Designed specifically to make smaller loan sizes profitable for lenders, a segment often unprofitable to underwrite manually.
- Proprietary underwriting AI — Built on an in-house AI model tailored to small-business credit assessment.
- Lender-focused workflow — Purpose-built for the specific workflow needs of small-business lenders rather than general financial analysis.
Use Cases
- For small-business lenders — A lender uses Kaaj to profitably underwrite sub-$1M loans that would otherwise be too costly to process manually.
- For expanding capital access — A community or regional lender uses Kaaj to serve small businesses that were previously underserved due to underwriting costs.
Pricing MODELS
Saas subscription
Pricing Summary
Custom SaaS subscription pricing for lending institutions; no published self-serve rates.
Company Size Fit
Mid-market SMB
Technical Snapshot
API Available
Yes
LLM Provider
Proprietary
Open Source
No
Deployment Options
Cloud Saas
Notable Customers
Undisclosed small business lenders