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Cash Flow AnalysisFlagshipIncome VerificationFlagshipEmployment VerificationIdentity VerificationEarly accessInsurance VerificationComing soon
Industries
Auto & PowersportsDealerships & Point of SalePersonal Loan LendersSMB LendingBanksCredit Unions
Use cases
Improve portfolio performanceKoraScorePrevent fraudApprove more good borrowersAutomate stipsCustomized Project
White papers
Beyond the Credit ScoreGrow Origination, Cut Losses
More
About usBlogAPISupportCareers
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Cash Flow Analysis

Affordability, stability and risk read from the whole account.

See what you get

Income Verification

Every income stream verified, including gig and cash work.

See what it verifies
More verification, one portal
Employment VerificationCurrent employer and pay, confirmed from deposits.Identity VerificationEarly accessID and live selfie, checked against the application.Insurance VerificationComing soonActive coverage and policy details, confirmed.
Industries
Auto & PowersportsBuilt for every lending model, from indirect to direct loans.Dealerships & Point of SaleFrom stip to funded, across every rooftop.Personal Loan LendersUnderwrite ability-to-pay without collateral.SMB LendingReal business cash flow, not a prepared P&L.BanksCash-flow depth on the file your committee already reviews.Credit UnionsSay yes to more members without loosening policy.
Use cases
Improve portfolio performanceCatch the account stress that shows up before a payment is missed.KoraScorePredict charge-off and 60+ day delinquency on the same file.Prevent fraudKeep fabricated income and documents off your books.Approve more good borrowersSay yes to thin- and no-file applicants a bureau score would reject.Automate stipsIncome, employment, identity and insurance from one applicant upload.Customized ProjectModernize what you run today, or stand up something new with our team.
About usWho Kora is, and where the platform came from.BlogPlaybooks and research on cash-flow underwriting.APIReference docs for the verification API.SupportEvery answer in one place, and a ticket form.CareersOpen roles on the team building KoraConnect.
White papers
Beyond the Credit ScoreHow a $1B+ lender improved performance, measured against outcomes.Grow Origination, Cut LossesDelinquency down across every credit tier, in matched cohorts.
Customized Project

The lending platform we built as lenders. Yours to launch on

Kora ran its own loan programs for a decade before turning that experience into a platform, so you can launch or modernize a program with a team that has sat in your seat.

See which modules you need
Take any of the three
Digital applicationCash flow analysisUnderwriting engineYour loan program
Yours, keptYour LMSYour bureau
Built by lenders, for lenders, and running today for direct and indirect lenders including several $1B+ books.
Strike
LendSmart
Crown Auto Group
Local Finance
Glenview Finance
Arcadia Funds

Take as much of the platform as your program needs and no more

Launching from scratch or replacing one piece, start where you are.

PersonalAutoSMBStudentOr a program that fits no template
CombinationApplicationAnalysisEngine
Digital applicationKora supplies the applicant and underwriter interfaces so data collection stops being manual.
Cash flow analysisKora reads the transactions behind an application and hands back categorized income, obligations and risk.
Underwriting engineKora supplies the decision logic for the cash flow read and calls your credit and risk integrations inside it.
Analysis and engineKora runs the read and the decisioning against your existing digital underwriting system.

Everything you need. Not everything has to be ours

Where another vendor fits your use case better, we integrate it and stand behind the stack. You get the right tool for each piece, not a bundle defended for its own sake.

01

Your loan management system, connected

Applicant and decision data lands in the loan management system you already run.

In your systemL-4821BorrowerJ. RIVERAAmount$18,400StatusActiveNext dueMar 14
02

Your bureau relationship, called from the engine

A full credit report from one of the three bureaus is pulled inside the decision rather than beside it, so nothing has to be rekeyed between systems.

Full credit report, pulled inside the decision704Score6Tradelines2Inquiries, 6 mo7 yrOldest accountBureau ABureau BBureau C
03

Your other data sources, in the same decision

Additional sources integrate into the underwriting engine, so one rule set reads all of them and you keep the vendors that already work.

Bank dataDocumentsCredit reportYour sourceOne rule setif debt to income above 36%Reviewif no recurring incomeSupplement
04

Your rules, changed the day you decide them

Thresholds and rule sets are configurable and traceable, so a policy decision reaches production the day it is made.

Rule set · v14Payment to income cap15%Minimum verified income$2,400/moOverdrafts, 6 months3Saved 09:41, live on the next file

Whatever you lend against, start where you are

Personal, auto, SMB, student, or a program that does not fit a template. Launching from scratch or replacing one piece, the first step is the one you actually need.

PersonalAutoSMBStudentCustom

Any product you lend against

The modules do not assume a loan type, so the same analysis and the same engine run behind whichever book you are building.

Applications inDecisions runningLoans on book

Launch a program that does not exist yet

Applications and decisioning stood up together, from a team that has taken a book from zero before.

Your application flowyoursCash flow analysisKoraYour servicingyours

Replace one piece of what you run today

Swap the part that is holding the program back and leave the rest of your stack exactly where it is.

Built by the team that ran the loan book, so you don’t learn on yours

A decade of fintech lending behind us, credit policy and funding flow, brought to your program as a playbook and not just software.

What we built
2015Direct auto lending launched, for applicants with no credit history
300,000+Loans underwritten on our own book through 2024
2.0%Annualized net loss across the active origination window, near-prime loss performance on a subprime borrower base
350M+Real applicant transactions behind the categorization models
Who we build with
Bank data aggregatorsPermissioned transaction data from the providers your applicants already use.
Credit bureausA full report pulled inside the decision, on your own bureau relationship.
Dealer and POS networksThe channels applications arrive on when somebody else owns the counter.
Capital partnersThe funding side of a programme, from people who have raised against a book.

Tell us what you are launching

Personal, auto, SMB, student, or a program that does not fit a template. Tell us which parts you want us to run and which stay yours, and we will scope it against programs we have already built. Have a customized project in mind? If it is a lending program, we have probably built one like it.

Lending programs across the US & Canada

Products

Cash Flow AnalysisIncome VerificationEmployment VerificationIdentity VerificationInsurance Verification

Industries

Auto & PowersportsDealerships & Point of SalePersonal Loan LendersSMB LendingBanksCredit Unions

Use cases

Improve portfolio performanceKoraScorePrevent fraudApprove more good borrowersAutomate stipsCustomized Project

Resources

About usBlogAPI docsSupportCareers

Cash-flow underwriting and income verification for banks, credit unions, non-bank lenders and dealers.

Approved vendor of:
Canadian Lenders Association
© 2026 Kora Financial Inc. · US & CanadaNMLS No. 1635300
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