Kaaj is an agentic AI credit intelligence platform that simplifies small-business lending. Using AI agents, it analyzes complete loan packages and produces decision-ready credit analysis for lenders, compressing what traditionally takes underwriters days of manual work across thousands of documents into under three minutes—while integrating directly into existing loan origination systems. Founded in 2024 by CEO Utsav Shah (a decade at Uber and Cruise building AI decision systems) and President Shivi Sharma (credit and fraud risk expert from American Express, Uber, and Varo Bank), Kaaj targets the $1.7 trillion U.S. small-business lending market and the $1.3 trillion equipment finance market. The company has already assessed over $5B in loan originations with customers including Amur Equipment Finance, Quality Equipment Finance, and Machinery Partner Capital. In November 2025 Kaaj raised a $3.8M seed round led by Kindred Ventures, with Better Tomorrow Ventures participating.