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Indian fintech startup Kaaj raises US$ 3.8 million in seed round to deliver AI-driven small-business credit solutions
Kaaj secures US$ 3.
India-based AI fintech platform Kaaj announced on 20 November 2025 that it has raised US$ 3.8 million in a seed funding round led by Kindred Ventures, with participation from Better Tomorrow Ventures and other angels.
Founded in 2024 by Utsav Shah and Shivi Sharma, Kaaj uses agentic AI workflows to automate end-to-end small-business lending: verifying borrowers, analysing cash-flows, and generating loan-packages in minutes instead of days.