01
No hard credit pull. Ever.
Applying for a KashKit loan will never lower your credit score. We verify enrollment and your linked bank account. That's the whole check.
Hi — I'm Mak. Here's why we built this.
My brothers and I started KashKit because the options for college students who needed $50 between paychecks were genuinely bad. So we built a Texas-licensed loan product capped at $100, with every dollar disclosed up front, and a tier ladder that rewards paying on time instead of punishing being broke.
The why
The week between paychecks shouldn't cost $35 overdraft fees.
When I was in college, I watched friends lose $35 every time their checking account dipped below zero. I watched the same friends pay $9 fees on $40 cash advances — which, in case you're keeping score, is a 580% APR. The options for a student who just needed to bridge a few days were genuinely bad: overdrafts, payday lenders, or those new "tip-and-instant-transfer" apps that quietly make money the same way.
My brothers and I sat with that for a while and thought: what if the loan was capped low enough that you could actually pay it back? What if the price was all in writing before you signed? What if a 5% late fee replaced the $35 flat overdraft? What if paying on time unlocked a higher tier, instead of leaving you in the same spot you started?
We built KashKit, applied for a Texas Office of Consumer Credit Commissioner license, got approved as NMLS #2780724, and here we are. Small loans. Honest amounts. Not a debt cycle.
We're not trying to maximize how much you borrow. We're trying to get you through the week without it costing more than the original gap.— The whole point of KashKit, in one sentence
Our principles
Four rules we won't break.
Every product decision passes through these. If a feature can't survive one of them, we don't ship it.
02
5% of the payment, never a flat fee.
If you're late past the 10-day grace period, the fee is 5% of that specific scheduled payment. Not a $35 charge. Not compounding. Not a surprise.
03
Total cost shown before you sign.
You'll see the exact dollar amount you'll owe — including every fee — in your TILA statement before any signature is collected. No fine print after the fact.
04
Pay on time, unlock more.
$25 → $50 → $100 as you build a clean history. We'd rather lend you the right amount as your record grows than push the max up front.
How we got here
Texas-licensed in one year.
We're not a venture-backed pivot project. We're a small team that took the long route through Texas consumer-credit licensing because that's what doing this right requires.
April 2026
An idea, on a napkin.
My brothers and I started sketching the tier ladder over coffee. The whole insight was simple: cap the loan amount, cap the fee structure, and let trust build over time instead of front-loading the risk.
April – May 2026
Mak & Brothers Development LLC, filed in Texas.
We filed the LLC ourselves, submitted the NMLS application ourselves, and built the borrower app + admin panel + payment infrastructure in parallel. iOS, Stripe Financial Connections, and a Supabase backend went from zero to feature-complete in about five weeks of evenings.
May 2026
OCCC License #2780724 issued.
Approved by the Texas Office of Consumer Credit Commissioner. NMLS #2780724 active in the national registry. Compliance review done, regulator notices wired into every borrower-facing screen.
Late 2026 — coming up
First borrowers, one school at a time.
We're onboarding Texas universities one by one. Verified .edu, real student, real bank — funds in 1–3 days. The waitlist tells us where to launch next.
Who built this
Mak & Brothers. A small team in San Antonio.
We're a family of brothers, not a startup with a slide deck. No VCs, no growth-at-all-costs mandate, no quarterly earnings to chase. Just a team small enough to remember every borrower's name.
We're a family of brothers from San Antonio, and we didn't get here through an accelerator. We filed the Texas LLC ourselves. We sat through the OCCC regulator interview ourselves. We wrote every line of the loan disclosure, then read it out loud to each other to make sure it didn't sound like fine print.
If you email support@kashkit.us in the first six months, there's a real chance one of us is replying. That's the point — we don't want a customer-service maze between you and the people who built this.
We're not trying to grow KashKit into a billion-dollar lender. We're trying to build something honest at the scale of one school, then another, then another. If that sounds slow, it's because it is. We're fine with that.
— Mak & brothers San Antonio, TX · 2026
The boring bits, on the record
Licensed, examined, and accountable.
Everything below is a matter of public record with the State of Texas. If something doesn't match what we say on this site, the regulator wins.
Legal entity
Mak & Brothers Development LLC
DBA "KashKit" · Texas LLC
Texas OCCC license
#2780724
Office of Consumer Credit Commissioner
NMLS registration
#2780724
Nationwide Multistate Licensing System
Headquartered
San Antonio, TX
Hours: Mon–Fri · 9am–6pm CT
Support
support@kashkit.us
Reply within 2 business hours
Regulator complaints
(800) 538-1579
Texas OCCC consumer complaints line
Be the first KashKit borrower at your school.
Drop your .edu and we'll let you know the day KashKit opens at your university.