Kaaj

Kaaj is the agentic AI underwriting operating system for small business (SMB) lending. It helps lenders, brokers, equipment finance companies, merchant cash advance (MCA) funders, and community banks turn messy borrower packages into decision-ready credit analysis in under five minutes. Specialized AI agents handle document intake and classification across 40+ document types, Know-Your- Business (KYB) verification, bank statement analysis and cash-flow spreading, fraud and document-tampering detection, and evidence-backed credit memo generation, with a human-in-the-loop by design. Kaaj layers onto existing underwriting operations through email intake, embedded forms, a REST API with webhooks, and CRM/LOS integrations (Salesforce, HubSpot, Dynamics). Founded in San Francisco in 2024 by Utsav Shah and Shivi Sharma, Kaaj is SOC 2 Type II compliant and has processed over $15B in loan originations.

Kaaj is listed with 1 API on the APIs.io network. Tagged areas include Company, Fintech, Lending, Underwriting, and Credit Risk.

Kaaj’s developer surface includes documentation, engineering blog, pricing, support, YouTube channel, and 14 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

29.4/100 thin ▬ flat Agent 0/100 human only Front door AI 5/6 prominent Heartbeat 72/100 slowing saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessEnterprise

1 API

Company Fintech Lending Underwriting Credit Risk Small Business Artificial Intelligence AI Agents Document Intelligence KYB Fraud Prevention Bank Statement Analysis

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 29.4/100 · thin

Contract Quality 0.0 / 21

Developer Ergonomics 4.5 / 17

Access Clarity 11.6 / 17

Operational Transparency 0.9 / 11

Contract Governance 1.9 / 10

Discoverability 6.2 / 9

Regulatory Posture 2.5 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 26.2 — up to +14.8 composite points
Operational Transparency scores 7.9 — up to +12.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/kaaj/apis.yml: open an issue on github.com/api-evangelist/kaaj to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
RPA and Document AI (RPA marketplaces, intelligent document processing)	undeclared	-	-	-
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Kaaj Underwriting API

Kaaj's REST API for submitting borrower application packages and receiving decision-ready credit analysis, with webhook callbacks. Access is authenticated (the base host require...

Kaaj API pricing

Prices published by Kaaj, read 2026-10-07 from kaaj.ai/pricing.

Plan	Price
Workflow pilot	Discuss a pilot Includes: Focused workflow configuration; Limited application volume; Success criteria; Optional implementatio
Platform + volume	Get pricing Includes: Monthly platform fee; Included application allowance
Usage credits	Talk to us Includes: Monthly usage credits across products
Enterprise workflow	Book a demo Includes: Custom workflow design; CRM/LOS sync; security review

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Kaaj Plans Pricing

4 plans

PLANS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Kaaj Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Kaaj Trust Center

SOC 2 Type II

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 4

Authentication, authorization, and security posture

TrustCenter

Compliance

TrustCenter

DomainSecurity

Learn 1

Tutorials, courses, talks, and written guidance

YouTube

YouTube

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Plans

Plans

Pricing

Pricing

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Twitter

Twitter

Source (apis.yml)

aid: kaaj
name: Kaaj
description: Kaaj is the agentic AI underwriting operating system for small business (SMB) lending. It helps lenders, brokers,
  equipment finance companies, merchant cash advance (MCA) funders, and community banks turn messy borrower packages into
  decision-ready credit analysis in under five minutes. Specialized AI agents handle document intake and classification across
  40+ document types, Know-Your- Business (KYB) verification, bank statement analysis and cash-flow spreading, fraud and document-tampering
  detection, and evidence-backed credit memo generation, with a human-in-the-loop by design. Kaaj layers onto existing underwriting
  operations through email intake, embedded forms, a REST API with webhooks, and CRM/LOS integrations (Salesforce, HubSpot,
  Dynamics). Founded in San Francisco in 2024 by Utsav Shah and Shivi Sharma, Kaaj is SOC 2 Type II compliant and has processed
  over $15B in loan originations.
url: https://raw.githubusercontent.com/api-evangelist/kaaj/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- kindred-ventures
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Enterprise
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
image: https://kaaj.ai/og/homepage.png
x-docs-platform: scalar
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-03
tags:
- Company
- Fintech
- Lending
- Underwriting
- Credit Risk
- Small Business
- Artificial Intelligence
- AI Agents
- Document Intelligence
- KYB
- Fraud Prevention
- Bank Statement Analysis
tags_raw:
- Company
- Fintech
- Lending
- Underwriting
- Credit Risk
- Small Business
- Artificial Intelligence
- Agentic AI
- Document Intelligence
- KYB
- Fraud Detection
- Bank Statement Analysis
apis:
- name: Kaaj Underwriting API
  description: Kaaj's REST API for submitting borrower application packages and receiving decision-ready credit analysis,
    with webhook callbacks. Access is authenticated (the base host requires credentials) and provisioned to customers; no
    public OpenAPI is published as of this profile.
  humanURL: https://docs.kaaj.ai/
  baseURL: https://api.kaaj.ai
  tags:
  - Lending
  - Underwriting
  - Credit
  properties:
  - type: Documentation
    url: https://docs.kaaj.ai/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/kaaj-plans-pricing.yml
- type: Website
  url: https://kaaj.ai/
- type: DeveloperPortal
  url: https://docs.kaaj.ai/
- type: Documentation
  url: https://docs.kaaj.ai/
- type: Blog
  url: https://kaaj.ai/blog
- type: Pricing
  url: https://kaaj.ai/pricing
- type: Support
  url: https://kaaj.ai/contact
- type: PrivacyPolicy
  url: https://kaaj.ai/privacy-policy
- type: StatusPage
  url: https://status.kaaj.ai/
- type: TrustCenter
  url: https://kaaj.trust.site
- type: Compliance
  url: https://kaaj.trust.site
- type: LLMsTxt
  url: llms/kaaj-llms.txt
- type: TrustCenter
  name: Trust Center Profile
  url: security/kaaj-trust-center.yml
- type: Conformance
  url: conformance/kaaj-conformance.yml
- type: DomainSecurity
  url: security/kaaj-domain-security.yml
- type: WellKnown
  url: well-known/kaaj-well-known.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/kaaj-ai/
- type: Twitter
  url: https://x.com/kaaj_ai
- type: YouTube
  url: https://www.youtube.com/@Kaaj-ai
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Kaaj API — frequently asked questions

Does Kaaj have an API?

Yes. APIs.io lists 1 API from Kaaj, including Kaaj Underwriting API.

How much does the Kaaj API cost?

Kaaj publishes its prices; its Workflow pilot plan is Discuss a pilot as of 2026-10-07. APIs.io lists 4 pricing plans for Kaaj, with each plan's price, limits and inclusions under Pricing on this page.

Is the Kaaj API ready for AI agents?

Kaaj has a Kin Score of 29.4 out of 100 (thin) and an Agent Readiness score of 0.0 (human-only), scored by API Evangelist on 2026-11-06.

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