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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.
About us

Kora is the next-gen cash flow underwriting platform

We help lenders safely approve reliable borrowers, using cash flow intelligence field-tested on loan portfolios for over a decade.

Data-driven underwriting, proven on our own loan book

Kora’s founding team has spent over a decade in lending together. Starting in 2015, we were among the first fintechs to underwrite loans on cash flow instead of credit scores, lending our own capital through a full credit cycle and a pandemic. Across roughly $100 million in loans, borrowers everyone else called subprime paid like prime.

We founded Kora in 2021 to bring that model to other lenders. Today it runs behind consumer, auto, and SMB credit decisions, tested by lenders and credit investors across verticals and retrained as every portfolio seasons. Lenders approve, decline, and send adverse action notices on our data, with reason codes behind every decision.

Leadership team

A team of experienced credit operators and data scientists

  • Hao LiuChief Executive Officer
  • Siyun LaiHead of Product
  • Isak MassmanDirector of Growth
  • Johnny OuHead of Risk and Analytics
  • Yifeng OuyangChief Operating Officer
  • Christopher RackardHead of Compliance

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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