Read off this file, not a second data pull
The same verified income, typed obligations and account behavior the report already carries.
Cash Flow Analysis
Cash flow underwriting that shows who can actually repay
Connect a bank or upload a statement. Twelve months of activity come back as one report you decide from.
ACH DEP DOORDASHOVERDRAFT FEEZELLE RIVERA M
Kora engine
Income$6,110/moDebt$604/moRisk3 flagsKoraScore665
The decisioning input trusted by all lenders.
The same analysis on every applicant.
Cash flow underwriting reads an applicant’s bank transaction data to answer whether they can repay, from evidence rather than from how they paid in the past. A thin file or no score changes nothing.
0 types
Income types classified — recurring inflow, deposit, financial contribution, inflow transfer and more, each graded for stability and trend.
0+
Attributes computed on every file and distilled into risk flags, each carrying the exact condition that tripped it.
0 mo
Of history read by default, and every number recomputed again at 3 and 6 months.
One report, five exhibits.
Every number is computed across twelve months of transaction history, and again for the last 3 and 6, so a trend never hides behind an average.
Every figure comes off a page that was checked first.
Bank statement underwriting begins with the statement itself: read, its own arithmetic recomputed, its origin tested, before a single number enters the analysis.
An inflow is not income.
Real-time income verification separates recurring income from everything else. Which inflows count, and on what basis, is your policy.
See how it approves more borrowersEvery recurring stream found for you
Every stream found and typed, each rated for stability.
ACME LogisticsPayrollHigh$4,900
DoorDashGigMedium$620
RideshareGigLow$180Ruled out
State benefitsBenefitsHigh$590
You decide which to include
The verified figure moves with the call you make.
Verified income$6,110/mo
Loan deposits$1,800
What leaves the account every month.
Every obligation read from the bank feed, the debt service coverage (DSCR) it implies, and the ceiling it sets on what an applicant can carry.
See every obligation, not just the filed ones
Twelve loan types resolved from the feed, including the payday, BNPL and title borrowing a bureau never files.
Know whether each one actually gets paid
Status and a month-by-month payment history per obligation, read off the account rather than a tradeline.
Set the payment ceiling to your own program
The limit, whether rent counts, and the payment-to-income cap. The affordable payment moves with them.
The patterns that predict the payment.
Overdraft and NSF patterns show up in the account long before a bureau file. One applicant, three books, three answers, on thresholds you set.
Six signals, from 250+ attributes
Who you lend to
Overdrafts6 in 6 mo
Payday draws4 in 90 days
Cash advance apps3 apps
Gambling$1,840 out
BNPL plans3 open
Collections1 account
Your policyPrime auto
overdrafts > 3any payday drawDecisionCriticalFive flags. Every one carries the condition that tripped it.
One predictive score, built from every transaction above.
KoraScore turns the analysis above into a single default-likelihood number, on the 300 to 850 scale your team already reads, and every point of it traces back to transactions.
Weighted on loans whose outcome already landed
Funded files paired with what happened to them, so a weight is earned rather than assumed.
Two outcomes, scored separately on one run
Charge-off and early delinquency are different risks, so each gets its own number on the same file.
Any way in. Every way out.
An open banking connection, an upload, or transactions you already hold: four intake paths, and four delivery surfaces so the report lands where your team already works.
See it run end to endHow data arrives
Bank connectionThe applicant links an account through open banking. Live data, and nothing to forge.
Statement uploadPDFs are extracted automatically and the math is reconciled, beginning balance to ending balance.
Transaction ingestAlready pull your own bank data? Send raw transactions from the connector you already use.
One link, any channelSend the secure link, or embed the flow in your own application. The applicant picks the path.
Kora engine
How answers leave
DashboardThe full report with adjustable breakdowns, filters, and the complete labeled transaction ledger.
LOS / DMSThe analysis lands in the system your team already decides in, the moment it completes.
Embeddable widgetDrop the applicant flow into your own product, on your own domain.
PDF reportA filable proof-of-income document for the deal jacket.
Report questions.
Common questions about cash flow underwriting.
01How many months of transaction history does a cash flow analysis cover?
We can go back up to 12 months, as long as the institution shares that much. We run the numbers twice, once for the whole window, and again just for the last 3, 6, and 12 months, so you can see when something recent breaks from the trend.
02Which data sources can feed a cash flow analysis?
Whatever you’ve got: a live bank connection, uploaded PDF statements, or transaction data you’re already pulling from a connector. All three feed the same pipeline and come out as the same report.
03What exactly does the lender receive?
One report, built to make a decision from. It’s got verified income broken out by stream, your obligations broken out by type with a debt-to-income calculated before the loan, every risk indicator with its severity and what caused it, a KoraScore with its top drivers and reason codes, and the identity and document checks. You can pull it up in the dashboard, get it over the API, or export it as a PDF.
04Is statement underwriting weaker than a bank connection?
We’ll always take a live connection first, it’s real-time and there’s nothing to fake. But uploaded statements aren’t just taken on faith either. We extract the data, reconcile every balance line by line, and scan for signs of tampering before we trust any number. That’s a lot more scrutiny than a person skimming a PDF would give it.
05Can a cash flow analysis be re-run?
Yep, any time. Add more bank statements, re-invite the applicant for a fresh snapshot, or just refresh a connected account. The new analysis reflects current data, which is handy when an application’s gotten a little stale or you want a last check right before funding.
Backtest it on loans you’ve already booked.
Backtesting is free. Send applicants you’ve already decided and we’ll show the report on each one against how those loans actually performed.
Auto and consumer lenders across the US & Canada