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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.

Cash flow underwriting that turns bank activity into insights you can trust.

See the real income and risk of an applicant, verified and scored in under a minute.

See how it works
Bank accountConnected
Bank statement24 months
Raw transactions1,240 lines
JORDAN M RIVERAAccount holderMatch
4821 OAKWOOD AVEAddressMatch
STATEMENT_0317.PDFBank statementNot altered
ACH PAYROLL ACME CORPRecurring income
MOBILE DEPOSIT 0412Deposit2 returned
ZELLE FROM R RIVERAInflow transfer
RENT ACH OAKWOOD LLCFixed payment
CAPITAL ONE CRD PMTCredit card
OVERDRAFT ITEM FEEOther expense3 in 90 days
KoraScore0
Credit score612
300850
Verified income$0/mo
Debt-to-income28%
Risk signals2flags
Document fraud0flags
Trusted by leading financial institutions
Strike
LendSmart
Crown Auto Group
Local Finance
Glenview Finance
Arcadia Funds

Credit scores miss some of your best borrowers

Cash flow based lending shows whether someone can pay you back. Alternative credit underwriting opens your book to thin-file and gig-income borrowers.

See how cash flow analysis works
Credit score
620
The past.
Cash flow
$2,480 depositRight now.

KoraConnect shows you the full picture of any borrower

Every transaction categorized, scored, and screened for fraud before a result ever reaches your team.

Raw transactionsACME CORP+$2,480UBER PARTNER+$312GREENLEAF−$1,650CAPITAL ONE−$318NSF FEE−$35
Categorized
Recurring incomeContributionDepositInflow transferInflow investmentRefundFixed paymentCredit cardBasic expenseAdditional expenseLarge expenseSignificant expenseOutflow transferOutflow investmentOther expense+18 more

Approve 80% more thin- and no-file applicants

Every deposit and debit sorted into 33 categories and 37 analysis labels, including the gig and cash income a bureau never sees. Say yes on real affordability, not on a blank credit file.

See how it approves more borrowers
Applicant · Dana Whitfield
Credit score748Prime
KoraScore574Fair
300850
Not in the credit fileOverdrafts11 in 6 moReturned checks3Income stabilityLowCash advance apps14 paymentsBNPL payments9

Avoid 15% of bad loans

KoraScore (300–850) tells you whether a borrower can actually repay. It is built from recurring income, income stability, debt load, and risk signals like overdrafts and returned checks. Set a cutoff and lend against it: in one indirect auto lender’s backtest, declining the lowest-scoring 3% avoided 15% of bad loans and kept 97% of approvals.

See what the score is built on
Fraud checks · 3 of 12 flagged!Altered documentsFlagged!Returned checksFlagged!Excessive overdraftsFlagged✓Statement tamperingClear✓Payment reversalsClear

Keep fabricated income and altered documents off the book

Doctored statements, manufactured deposits, and reversals, all caught against a twelve point check. Fabricated income and documents stay off your books, and a fake application never becomes a loss you write off.

See what the checks catch

Connected to a decision in under a minute

A lender or dealer opens the application, the applicant links their bank in one tap through open banking, and everyone gets a result curated for them.

See it run end to end
Lender
Sent to applicant →
0:00

Opens an application

Applicant
Link bankBank linked ✓
0:50

Links their bank, or uploads statements

Kora
PAYROLL+2,560.00
SBUX 0592−11.40
OVERDRAFT−34.00
0:59

Analyzes every transaction

0:59

Everyone gets their own result

ApplicantApplication submitted ✓No documents to upload
LenderKoraScore 742Full score & risk report

Built by underwriters, for underwriters

Kora started as a lender, and we built this engine on a decade of our own underwriting before we opened it to yours.

0%
More approvals among no-hit / thin-file applicants.
$0+
Net lift per application.
0 sec
To connect a bank, no forms.

How a $1B+ lender improved performance with KoraConnect

The methodology behind KoraScore, and the results one auto lender actually saw.

Read the white paper
30+ days past due at five months on book
Q1–Q3 2024 average
~29%
Q3 2025, underwritten with KoraConnect
4.5%

More than cash flow analysis, every underwriting checkpoint verified at once

Clear them all from the same portal.

First National Statement
ACH PAYROLL+$4,200.00
ZELLE RIVERA+$300.00
RENT ACH−$1,650.00
Ending balance$3,215.52

Income Verification

Real, spendable income from the bank, not the pay stub they chose to send.

How it works
Pay StatementBi-weekly
EmployerACME CORP
Gross pay$2,600.00
Taxes−$488.00
Net pay$2,112.00

Employment Verification

Every income stream verified, including gig and cash work.

How it works
Driver License
NameF. WALTERS
DOB05/12/1990
IDD1234-5678
Coming soon

Identity Verification

ID, live selfie, checked against the application.

How it works
Auto PolicyActive
PolicyKA-88213
CoverageComprehensive
TermThru 12/2026
Coming soon

Insurance Verification

Active coverage and policy details, confirmed.

How it works
“KoraConnect surfaces the things we used to miss entirely: cash advance patterns, income instability, statements that don’t add up. That’s the stuff that was quietly driving our losses.”
Darryl JacksonDarryl JacksonPresident & Founder, AMS Financial Group & Crown Auto Group

Built for both sides of the deal.

Whether you fund the loan or close the sale, start on the page built for your job.

Underwrite with confidence

  • KoraScore + risk insights
  • Every verification in one pass
  • Dashboards, PDF & API delivery
Explore for lenders Personal loan SMB lending

Get more deals approved, faster

  • One link, done on a phone
  • Skip the paystub chase
  • Submit clean, funded faster
Explore for dealers

Your applicants' bank data, held to the standards you already answer to.

One independent SOC 2 Type II audit, and alignment to the frameworks that cover information security, consumer privacy and financial services.

  • SOC 2 Type II
  • ISO/IEC 27001
  • NIST CSF
  • PCI DSS
  • GDPR (EU & UK)
  • CCPA / CPRA
  • GLBA Safeguards
  • FFIEC

Start with your own applicants.

Tell us what you underwrite. We’ll run one of your own applicants end to end and show the verified income, the risk flags and the KoraScore your underwriters would see.

Available 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
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