Kita
YC W26San Francisco, US · Founded 2025 · 3 employees · 2 known investors
Kita provides document processing and credit assessment software for lenders to evaluate borrowers in underserved markets. The platform handles paperwork and financial assessment behind lending, enabling banks, fintechs, and community lenders across Southeast Asia, Latin America, and the US to reach creditworthy borrowers locked out by manual processes.
AI & Machine LearningFintechComputer VisionLendingEmerging MarketsUnited States of AmericaAmerica / Canada
Founders & leadership· Y Combinator alumni (W26)
Kita was founded in 2025 by Carmel Limcaoco and Rhea Malhotra.
CL
Carmel Limcaocoin𝕏Co-Founder, CEOCarmel is the co-founder and CEO of Kita. She studied Symbolic Systems and Music at Stanford and was pursuing a Master's degree in Computer Science; she previously interned on audio and music products at Apple.
RM
Rhea Malhotrain𝕏Co-FounderShe holds bachelor's and master's degrees in Computer Science from Stanford and was accepted to pursue a PhD in Computer Vision and Robotics at Princeton. She has authored peer-reviewed papers and worked on vaccine development research at Pfizer.
Investors · 2
Funding
SEC filings, press & company announcements- Undisclosed amountSeedFeb 2023 · 2 sourcesSource ↗
Source: company announcements and press reports — follow each round's link for the claim.
The YC application· Winter 2026 batch
In the news
Frequently asked questions
- What does Kita do?
- Kita provides document processing and credit assessment software for lenders to evaluate borrowers in underserved markets. The platform handles paperwork and financial assessment behind lending, enabling banks, fintechs, and community lenders across Southeast Asia, Latin America, and the US to reach creditworthy borrowers locked out by manual processes.
- Who founded Kita?
- Kita was founded by Carmel Limcaoco, Rhea Malhotra in 2025.
- Who are Kita's investors?
- Kita's investors include Y Combinator, Octopus Ventures.
- Where is Kita headquartered?
- Kita is headquartered in San Francisco, US.