Kita offers an AI Credit Officer that communicates with borrowers via SMS, WhatsApp and email, a document-reading product (Kita Capture) that extracts data from more than 50 types of financial, legal and identity documents, and an AI Underwriter that applies lender credit policies and produces credit memos for human review. The company says these combined workflows can reduce processes that once took days or months to under 60 seconds and that its platform has processed over $130 million in loan volume. Kita's technology is used by lenders in the Philippines, Indonesia, Mexico and the United States, targeting consumer, microfinance and SME lending. Built by a team from Stanford with backgrounds at Apple, Tesla and Microsoft, Kita was accepted into Y Combinator's Winter 2026 batch and is based in San Francisco. The company positions its AI to handle repetitive tasks while leaving final lending decisions to human credit officers.

Total raised

$5M

Funding rounds

1

Latest round

Seed

Latest activity

Aug 2026