AI fintech startup Kaaj raises $3.8 million from Kindred Ventures, others

Kaaj, an agentic AI credit intelligence platform, on Wednesday announced that it has raised $3.8 million in a seed funding round led by Kindred Ventures, with participation from Better Tomorrow Ventures and others.

Founded in 2024 by husband-wife duo Utsav Shah and Shivi Sharma, Kaaj aims to expand access to affordable capital for all small businesses. The startup uses agentic AI workflows to help lenders analyse end-to-end loan packages, create analyses for small-business lending, and cut costs.

Kaaj’s AI agents automate the entire credit analysis…