Kita Risk Score

Document-based credit signal for lenders: vision models read any file a borrower uploads, from a PDF to a phone photo, extract more than 500 signals on financial capacity, document fidelity and upload intent, and return numeric repayment scores over an API as features for the lender's own credit model.

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What it does

• Financial analysis
• Document extraction

Sources

Pricing

Not found · 21 Oct 2026

Pricing page read: "Kita Capture and Kita Underwriter are separate products, priced separately. Talk to us for a quote." It prices only those two; no plan or price is published for this product.

Description

Official documentation · 21 Oct 2026

Page: "What comes back is alternative credit signal as numeric scores, ready for the model you already run." and "500+ Raw signals spanning financial capacity, document fidelity, and upload intent".

What it does

Official documentation · 21 Oct 2026

Page: "Financial capacity Cash flow, income stability, employment formality, affordability, debt burden, and liquidity scored from the evidence inside the document."

Sold within

Not found · 21 Oct 2026

Pricing page read: it prices only Kita Capture and Kita Underwriter; no page states how the Kita Risk Score is obtained or whether it sits inside a parent.

Name

Official documentation · 21 Oct 2026

Page title "Kita Risk Score | Kita".

URL

Official documentation · 21 Oct 2026

The product's own page, listed in the site menu as "Kita Risk Score".

Deployment

Official documentation · 21 Oct 2026

The page describes a vendor-run scoring service returned over an API; saas is recorded as the vendor-operated reading.

Interfaces

Official documentation · 21 Oct 2026

Page: "Signal categories combined into numeric repayment scores that return over API as model-ready features."

Modalities

Official documentation · 21 Oct 2026

Page: "a PDF, a screenshot, a phone photo of a receipt" go in and "numeric scores" come back.

Intended for

Official documentation · 21 Oct 2026

Home page card: "Built for high-volume consumer lending in thin-file markets."

Also from Kita

• Kita AI Underwriter AI agent

  Underwriting agent that reads whatever a borrower sends, from tax returns to photographed ledgers, plus bank and external data, spreads the financials, tests them against the lender's credit policy and drafts a credit memo with every figure linked to its source page for a credit officer to decide; sold as a monthly licence per loan product plus a fee per application, rates not published, alongside credit-priced document capture.

• Kita AI Credit Officer AI agent

  Messaging agent for lenders that contacts each borrower on WhatsApp, SMS or email in their own language the moment they apply, asks for the exact documents the loan needs, validates each upload as it lands, flags omissions and contradictions and keeps following up until the file is complete.

• Kita Capture API service

  Document extraction and fraud-check service for lenders: layout models, vision language models and an agentic review pass read bank statements, IDs, payslips, tax and business documents at any quality, return credit risk signals and cross-document contradictions, and flag edits and forgery, through a REST API, a Python SDK or a web portal.

• Kita Intelligent LOS Platform

  AI-native loan origination system for lenders that bundles the Kita modules into one pipeline: it takes in applications, chases missing documents, reads and fraud-checks every document, drafts the cited credit memo and returns the decision to the borrower, with a live portfolio view, a REST API with webhooks and connections to CRM, core banking and credit bureaus.

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