Kaaj AI

Kaaj is the underwriting OS for small business lenders, an agentic AI credit intelligence platform that turns messy borrower packages into decision ready credit analysis in minutes. Specialized AI agents work collaboratively across the workflow: document intelligence extracts data from structured and unstructured files, a business verification agent cross checks SOS filings, web presence, address signals, and adverse indicators, a bank statement analysis agent reads cash flow, a fraud detection agent runs document forgery checks, and a diligence agent runs in parallel, together producing credit memos grounded in source documents, extracted data, verification signals, and each lender's own policy context. Kaaj prepares the analysis, preserves the evidence, and drafts the memo, while credit teams make the decision, and a persistent context layer compounds so every loan processed makes the next one sharper. It integrates into existing CRM and loan origination systems and has processed over 5 billion dollars in applications for lenders and brokers.