Real Cash Flow Intelligence and Income Verification
KoraConnect helps dealers and lenders turn applicant bank data into verified income, behavioral insights, and decision-ready scores.
Why lenders choose KoraConnect
Real Underwriting Expertise
Kora started as an auto lender, and that underwriting experience still guides our risk and analytics team today. We work alongside lenders to refine cash flow analysis into practical, decision-ready insights. Clients have seen meaningful improvements in risk and portfolio performance after adopting KoraConnect.
Approval Rate for No-Hit / Thin-File Applicants
Net Lift per Application by adding rules based review of financial behaviors
As observed in KoraConnect "Grow Origination & Avoid Losses"
Average time it takes for an applicant to connect a bank account or upload statements in the KoraConnect portal
How it works
How KoraConnect Turns Data Into Insights
Connect bank accounts or upload docs
Send applicants a secure link to connect their bank or upload documents via the white-labeled KoraConnect portal, or submit bank statements and transaction data directly through API.
KoraConnect analyses transaction data
KoraConnect instantly analyzes cash flow patterns, income stability, and spending behavior. Our AI-powered system detects irregularities, flags potential risks, and ensures an accurate financial profile.
Underwriting insights delivered in minutes
A detailed report is generated with key financial indicators, including income trends, affordability estimates, and risk factors, helping lenders make informed decisions quickly.
Who we serve
Next-gen Tools for Lenders and Dealers
For Lenders
KoraConnect supercharges underwriting by unlocking applicant transaction data and turning it into predictive insights lenders can act on.
Learn moreFor Dealers
KoraConnect gives dealers a faster, cheaper, and overall better tool for accurately verifying income to protect their bottom line and satisfy lender stipulations.
Learn more
Available in the US and Canada
How a $1B+ Lender Improved Performance with KoraConnect
Read our white paper to see how auto lenders are leveraging cash flow underwriting on KoraConnect to improve portfolio performance.
Smarter Insights
Deeper Insights for Everyone
KoraConnect includes a suite of tools that make it easy to leverage applicant data from bank accounts, paystubs, and bank statements to produce clear, digestible analysis for income verification, decisioning, and risk assessment.
Easy Information Collection
Collect applicant data and documents in one place with KoraConnect.
Fraud Detection
Protect your business from applicants who use fraudulent documents to get approved for loans they cannot afford or do not intend to repay.
Delinquency Prediction
Kora's predictive model, trained on real cash flow and loan performance data, makes cash flow decisioning simple.
Risky Pattern Detection
Detect financial behaviors that threaten ability to repay, and uncover meaningful income sources.
Verify Income
See unique and overlapping income sources, along with meaningful attributes about each.
Secured & protected
Your data, defended.
We combine seamless underwriting flows with rigorous security standards. From the moment a dealer uploads a file to the moment a lender funds the loan, your data is protected by industry-leading protocols.
Power your deals with KoraConnect
Talk with our team to learn how your business can leverage next generation income verification and underwriting tools.