COMPANY PROFILE

Kita

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AI underwriting for emerging-market lenders credit bureaus miss

San Francisco, United StatesFounded 2025Fintech

Valuation $25–50M Last recorded · 2026

Headcount <100 Current team size

Total funding $0–10M Disclosed equity funding

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About Kita

Kita (kita.ai / usekita.com) is a Y Combinator W26 fintech that automates credit underwriting for lenders in emerging markets using vision-language models. Co-founded by Carmel Limcaoco and Rhea Malhotra (Stanford CS roots; shaped by Manila lender fieldwork), Kita helps microlenders, banks, fintechs and SME lenders underwrite thin-file borrowers whose best signals sit in messy payslips, bank statements, e-wallet screenshots and invoices—not credit bureaus. Products include Kita Capture (50+ document types with local-language/fraud checks), AI Underwriter (policy-aware credit memos with sourced figures), Kita Risk Score, and an AI Credit Officer that follows up over WhatsApp/SMS/email. Live with lenders in the Philippines, Indonesia, Mexico and the United States; reported >US$130 million loan volume processed. In August 2026 Kita raised US$4.5 million seed led by BoxGroup, with Y Combinator, Golden Gate Ventures, US News Digital Ventures, BEENEXT, Kaya Founders, Genting Ventures, Apex Star Capital and angels. Do not confuse with Kita Earth (kita.earth) or KITA Agritech (kita.ph).

MoreLess Source: Dealroom company data

At a glance

Status: Operational
Founded: 2025
Headquarters: San Francisco, United States
Employees: 14
Open positions: None listed
Dealroom signal: 84.0/100
Industry: Fintech, Energy
Sub-industry: Insurance
Sector: Fintech, Climate Risk, Climate Fintech, YC W26
Client focus: b2b
Links: Website LinkedIn

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Funding history

2 recorded events

Company financing events and reported valuations.

Deal type	Date	Amount	Valuation	Investors	Source
SEED✓Equity / VC	Aug 2026	$4.5M	$18M	Golden Gate Ventures · Shivani Siroya · Kulveer Taggar · Kaz Nejatian	↗
SEED✓Equity / VC	Jan 2026	$125K	$500K	Y Combinator	—

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Growth signals

Kita website traffic

Latest recorded traffic for Kita is 12K monthly website visits, up 126.4% over the last three months.

Latest monthly visits12K 3-month web change+126.4%

Monthly website visitsJan 2026–Jul 2026

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