India, Nov. 20 -- Agentic AI credit intelligence startup Kaaj has raised $3.8 Mn (around INR 33.7 Cr) in its seed funding round led by Kindred Ventures, with participation from Better Tomorrow Ventures, Karman Ventures, Pythia Ventures and Coughdrop Capital.

Besides, several senior executives from fintech and AI sectors, including Sardine AI's Soups Ranjan, Brex's Rahul Ramesh, TreasuryPrime's Remy Carole, Affirm's Sip Jiyane, Pony Money's Steven Ma, also partook in the round.

Founded in 2024 by Utsav Shah and Shivi Sharma, Kaaj has built an AI-driven underwriting infrastructure for small-business lending. Its platform uses agentic AI workflows to analyse entire loan packages - from business verification and cash-flow assessment to asse...