Kaaj
Category: AI in Fintech
Agentic AI credit intelligence platform automating small business lending and underwriting workflows Kaaj was founded in 2024. The company is led by Utsav Shah. Based in San Francisco, United States. Team size: 7. Total funding raised: $3.8M. Latest round: Seed. Key investors include Kindred Ventures, Better Tomorrow Ventures, Karman Ventures, Pythia Ventures, Coughdrop Capital.
- Founded
- 2024
- Headquarters
- San Francisco, United States
- Team size
- 7
- Total funding
- $3.8M
Value proposition
Reduces loan underwriting time from days/weeks to under 3 minutes using AI agents, enabling lenders to process 10x more loans with reduced risk
Products and solutions
Credit intelligence engine for business financial health assessment, AI-powered document classification for loan packages, Automated risk assessment workflows, End-to-end loan origination platform, Real-time decision-ready analysis tools
Unique value
First agentic AI platform combining vision-language models (VLMs), large language models (LLMs), and traditional ML for end-to-end credit workflows
Target customer
Banks, credit unions, and fintech lenders processing small business loans, equipment financing, and asset-based lending
Industries served
Small business lending, Equipment financing, Commercial real estate (CRE) lending, Asset-based lending, SBA lending, Fintech, Credit unions
Technology advantage
Proprietary AI agents automate document classification, risk scoring, and decision-making with 78% reduction in 'unknown' document categories and 3-minute approval speed
How they differentiate
Kaaj automates the entire end-to-end credit analysis process (business verification, cash flow analysis, asset valuation, financial analysis, and risk assessment) using agentic AI, whereas competitors typically focus on discrete parts of credit underwriting
Main competitors
Middesk, Ocrolus, MoneyThumb
Key partnerships
Kindred Ventures (lead seed investor), Better Tomorrow Ventures (co-investor), Karman Ventures, Pythia Ventures, Coughdrop Capital, FinovateFall (industry event participation), LendAPI (integration for credit intelligence tools)
Notable customers
Amur Equipment Finance, Quality Equipment Finance, Fundr, Machinery Partner
Major milestones
Secured $3.8M seed funding in November 2025, Built platform processing $5B+ in loans, Reduced small business loan underwriting time to under 3 minutes, Founded by husband-wife duo Utsav Shah and Shivi Sharma in 2024
Growth metrics
Processed over $5 billion in loan applications, serving customers including Amur Equipment Finance, Quality Equipment Finance, and Fundr
Market positioning
Positioned as an AI-driven credit intelligence platform targeting small business lending automation, emphasizing speed (reduced underwriting time from weeks to under 3 minutes) and comprehensive risk assessment
Geographic focus
Primarily U.S.-centric, with competitors and target markets concentrated in the United States
Patents and IP
No public patents disclosed, but utilizes cutting-edge AI architecture with competitive differentiation in agentic workflow automation
About Utsav Shah
Decade of building large-scale AI systems at Uber Technologies and Cruise LLC, specializing in AI-powered decision-making systems for risk and credit assessment
Official website: https://kaaj.ai