Kaaj Raises $3.8 Million to Expand Its Agentic AI Platform for Small Business Lending

Kaaj, a fintech startup founded in 2024 by Utsav Shah and Shivi Sharma, raised $3.8 million in seed funding led by Kindred Ventures with support from Better Tomorrow Ventures and others. Using agentic AI to automate credit analysis, it reduces underwriting time and enables smaller loans. Having processed over $5 billion in applications, Kaaj plans U.S. product and market expansion.