Looking for an Auto Loan or want to become a Partner Dealer?

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Find creditworthy borrowers missed by credit scores with the power of AI

Kora automates income verification, detects fraud in real-time, and streamlines underwriting for auto lenders of all sizes.

Find creditworthy borrowers missed by credit scores with the power of AI

Where traditional underwriting falls short, KoraConnect delivers

Traditional Underwriting
Kora
Accesses real-time cash flow and financial data from applicants
Assess no-credit and thin-file applications
Includes gig and non-traditional income sources in its analysis
Detects “Buy Now, Pay Later” and Cash Advance usage
Flags risky spending behavior like overdrafts and gambling
Continuous monitoring for financial distress
Provides underwriting and pricing decisions in less than 2 minutes

Faster originations, more approvals, & less risk

+80%

+80%

Approvals for thin-credit2

2 min

2 min

Or less to gather cash flow data3

100%

100%

FCRA/BSA/AML Compliant

Dealers & Lenders

Dealers & Lenders

Close More Deals with Faster, Smarter Financing.

KoraConnect helps dealers and lenders close more deals with real-time income verification, AI-powered fraud detection, and instant underwriting decisions. Faster approvals mean more sales and higher profits.

  • Approve more buyers instantly
  • Detect fraud before funding
  • Fund deals in hours, not days
Banks & Lenders

Banks & Lenders

Lend Smarter with AI-Driven Risk Insights.

KoraConnect gives banks and lenders the power to make data-driven credit decisions, automate compliance, and reduce risk exposure. Scale your lending operations without sacrificing accuracy or efficiency.

  • Make smarter credit decisions
  • Automate fraud and compliance
  • Seamlessly connect with your LOS

By lenders, for lenders

Over the past 10 years, our team has built the tools that helped us become a smarter, better-performing lender. Today, that same technology powers KoraConnect for lenders everywhere.

Hao Liu
Hao Liu
Chief Executive Officer
Yifeng Ouyang
Yifeng Ouyang
Chief Operating Officer
Siyun Lai
Siyun Lai
Head of Product
Aashay Gandhi
Aashay Gandhi
Operations Manager
Johnny Ou
Johnny Ou
Head of Risk and Analytics
Christopher Rackard
Christopher Rackard
Head of Compliance
Isak Massman
Isak Massman
Director of Growth
Bianca Su
Bianca Su
Finance Manager

Discover how Cash Flow Underwriting by Kora can transform your lending decisions.