About
Kaaj deploys AI agents to automate small business loan underwriting, compressing days of manual work into under 3 minutes. Raised $3.8M seed from Kindred Ventures and Better Tomorrow Ventures in 2025. Has processed $5B+ in applications for customers including Amur Equipment Finance. Targeting the $1.7T US small-business and $1.3T equipment finance markets. Claims lenders can 4x application volume without adding headcount.
Key Facts
- [1]Founded: Founded in 2024 in San Francisco, United States.
- [2]Funding: Total funding: $4M. Last round: Nov 2025. Stage: Seed.
- [3]Employees: Employee count: 1-10.
- [4]Website: Official website: kaaj.ai.
- [5]AI Technology: Core AI/ML technologies: Predictive ML.
- [6]Region: Region: Americas (United States).
Founder
Martin Saldias Larrain
Founder & CEO
AI Technology
Predictive ML
Traditional ML algorithms for classification, regression, and scoring models
Classification
Market Segments
Tech Stack Layers
Details
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Frequently Asked Questions
What is Kaaj?
Kaaj deploys AI agents to automate small business loan underwriting, compressing days of manual work into under 3 minutes. Raised $3.8M seed from Kindred Ventures and Better Tomorrow Ventures in 2025. Has processed $5B+ in applications for customers including Amur Equipment Finance. Targeting the $1.7T US small-business and $1.3T equipment finance markets. Claims lenders can 4x application volume without adding headcount. Kaaj is classified in the Lending & Credit segment at the Applications layer of the financial AI stack.
Who founded Kaaj?
Kaaj was founded by Martin Saldias Larrain (Founder & CEO) in 2024 in San Francisco, United States. The company is an early-stage startup, 2 years old.
How much funding has Kaaj raised?
Kaaj has raised $4M in total funding, placing the company at the Seed stage. The most recent round closed in Nov 2025. Among 81 funded Lending & Credit companies, Kaaj ranks #77 by total capital raised. (Source: AIFI Map directory.)
What AI technology does Kaaj use?
Kaaj primarily leverages Predictive ML technology. Traditional ML algorithms for classification, regression, and scoring models. Within the Lending & Credit segment, 58 companies use this technology.
What market segment does Kaaj operate in?
Kaaj operates in the Lending & Credit market segment. AI lending and credit companies are reimagining how creditworthiness is assessed, loans are originated, and debt is managed across consumer, small business, and commercial markets.
Where is Kaaj headquartered?
Kaaj is headquartered in San Francisco, United States. The company operates in the Americas region. The team consists of 1-10 employees. United States is home to 324 financial AI companies tracked by AIFI Map.
Who are Kaaj's competitors?
Companies similar to Kaaj in the Lending & Credit space include Unit21 ($92M raised), Upstart ($160M raised), Zest AI ($357M raised), Pagaya ($75M raised), Scienaptic AI ($17M raised). These companies operate in related areas of financial AI: Unit21 focuses on ai-powered fraud and aml platform. Upstart focuses on ai lending platform using alternative data for credit decisions. Zest AI focuses on ai-automated underwriting for credit unions and banks. (Based on AIFI Map classification data.)
What products does Kaaj offer?
Kaaj builds applications-layer solutions for the financial services industry. The company's core offering: Agentic AI for small-business lending automation. The platform is powered by Predictive ML technology.