# Kaaj

**Canonical:** https://apis.io/providers/kaaj/  
**Website:** https://kaaj.ai/  
**APIs profiled:** 1

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.

## Kin Score — 24.3 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 24.3).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 12.5 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 23.9 |
| Commercial Clarity | 36.8 |

Regulatory layer — **Insurance**: 30.3 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (1)

- **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...

## Security (2)

- **Kaaj Domain Security** — TLSv1.3 · DNSSEC · DMARC
- **Kaaj Trust Center** — SOC 2 Type II

## Tags

Company, Fintech, Lending, Underwriting, Credit Risk, Small Business, Artificial Intelligence, Agentic AI, Document Intelligence, KYB, Fraud Detection, Bank Statement Analysis

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/kaaj/). Scores are computed from the provider's own public artifacts under a published rubric.