Seed · $3.8MKaaj
AI-powered credit intelligence for small business lenders
Credit IntelligenceAgentic AIKindred Ventures
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Automating Loan Underwriting
Small business lending is stuck in the past. Loan officers spend days manually pulling credit reports, bank statements, and tax returns just to underwrite a single deal. Kaaj is fixing that with an agentic AI platform that automates end-to-end credit intelligence, turning days of manual work into minutes of automated analysis.
Founded by Utsav Shah and Shivi Sharma, Kaaj raised a $3.8M seed round led by Kindred Ventures with participation from Better Tomorrow Ventures, Karman Ventures, and Pythia Ventures. The platform has already processed over $5 billion worth of loan applications for clients including Amur Equipment Finance.
Why It Matters
The small business lending market is massive, yet most lenders still rely on spreadsheets and manual data entry to make credit decisions. Kaaj's agentic approach doesn't just speed up the process — it lets lenders scale their operations without proportionally scaling headcount. As AI agents become more capable, platforms like Kaaj that handle complex financial workflows autonomously will define the next wave of fintech infrastructure.
About Utsav Shah
Utsav Shah is Co-Founder & CEO of Kaaj, an agentic AI platform that automates end-to-end credit intelligence for small business lenders. He co-founded the company alongside Shivi Sharma to address the outdated, manual processes that still dominate loan underwriting.
Shah and Sharma built Kaaj to turn days of manual credit analysis — pulling credit reports, bank statements, and tax returns — into minutes of automated work. The platform has already processed over $5 billion worth of loan applications for clients including Amur Equipment Finance.
Under Shah's leadership, Kaaj raised a $3.8M seed round led by Kindred Ventures with participation from Better Tomorrow Ventures, Karman Ventures, and Pythia Ventures. The company is positioning itself at the intersection of AI agents and fintech infrastructure, enabling lenders to scale operations without proportionally scaling headcount.
Sources: Public press releases, SEC and state business filings, published interviews, news coverage, and company disclosures.
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