# Kita Technologies

Startup profile on Capital Atlas: https://capitalatlas.ai/startups/kita-technologies

- Industry: Financial Services
- Headquarters: San Francisco, US
- Website: www.kita.ai
- Total disclosed funding: $4.5M
- Latest round: Seed (Aug 18, 2026)
- Investors on record: 8

## About

Based in the US, Kita was founded in 2025 by Carmel Limcaoco and Rhea Malhotra to build AI-native credit assessment infrastructure for lenders. As of August 2026, the company is led by its CEO, Carmel Limcaoco. On 18 August 2026, Kita raised USD 4.5 million in Seed funding led by BoxGroup, with participation from Y Combinator, Kaya Founders, U.S. News Digital Ventures, BEENEXT, Golden Gate Ventures, Genting Ventures, Apex Star Capital, and other Individual and Unspecified investor to expand its engineering team, improve underwriting and fraud-detection capabilities, and support growth across Latin America, Southeast Asia, Africa and the US. Kita provides Kita Capture, which extracts and verifies data from financial, legal and identity documents; AI Credit Officer, which collects missing borrower information through WhatsApp, SMS and email; and AI Underwriter, which applies lender policies and drafts source-cited credit memos. The platform serves banks, fintechs, microfinance institutions, SME and commercial lenders, and community lenders while leaving final credit decisions to human teams. The company plans to use its August 2026 Seed funding to expand its engineering team, strengthen underwriting and fraud-detection capabilities, meet demand in existing markets, and expand across Latin America, Southeast Asia, Africa and the US.

## Funding rounds

- Seed, Aug 18, 2026, $4.5M — Y Combinator, BoxGroup, Golden Gate Ventures, BEENEXT, Genting Ventures, Kaya Founders, Apex Star Capital, US News Digital Venture

## Investors

- Y Combinator (https://capitalatlas.ai/funds/y-combinator) — Seed
- BoxGroup (https://capitalatlas.ai/funds/boxgroup) — Seed
- Golden Gate Ventures (https://capitalatlas.ai/funds/golden-gate-ventures) — Seed
- BEENEXT (https://capitalatlas.ai/funds/beenext) — Seed
- Genting Ventures (https://capitalatlas.ai/funds/genting-ventures) — Seed
- Kaya Founders (https://capitalatlas.ai/funds/kaya-founders) — Seed
- Apex Star Capital (https://capitalatlas.ai/funds/apex-star-capital) — Seed
- US News Digital Venture — Seed