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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
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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.
Automate stips

Automate every stip from one link

Income verification software for auto lending that runs every step from one link, in one sitting or across as many stages as your program needs.

See it at the desk
One link · one deal
Stage 1Cash Flow AnalysisStage 2EmploymentStage 3Not reached
Trusted by auto and personal lenders running every condition through one place.
Strike
LendSmart
Crown Auto Group
Local Finance
Glenview Finance
Arcadia Funds

Set the steps once. Everything comes back on one page.

The same loop runs a dealer deal, a direct application, a personal loan or a business file, and only your side has anything to set up.

The program
You, the lenderDefine the steps each stage collects
Your dealer, at the F&I deskEnters the customer, and nothing after that
The customer, on their phoneOpens one link and uploads what was asked for
You again, in one portal or by APIThe stip clears before you fund

All the stips you need.

Switch on the ones your program requires. Each one has a page of its own on what it reads and what it hands back.

Cash Flow AnalysisEvery transaction categorized, the real debt load, and the risk patterns you flag.See what it returns Income VerificationVerified recurring income, with transfers and loan deposits taken back out.See how income is read Employment VerificationEmployer, pay rate and pay frequency read off the paystubs.See how it verifies
Identity VerificationComing soonThe account holder matched to the applicant on the deal.
Insurance VerificationComing soonProof of coverage collected with the rest of the file.

Set a program up once. Every deal after that is one click.

You decide what each program collects and in what order, and whoever opens the deal only has to pick it.

Decide what a program collects once, not deal by deal

A workflow carries the conditions you require and nothing else, and each step can be needed to advance or available without blocking. Save it and it is what every deal on that program asks for, until you change it.

Cash Flow AnalysisRequiredEmployment VerificationOptionalIdentityOffInsuranceOff

Start a deal by picking a program, and that is the whole setup

Your saved programs sit in one list. The dealer, or your own team, chooses the one that fits the deal, and the link the customer opens already carries those steps in that order. No per-deal build, and no configuration per rooftop.

Indirect, full stips3 stages, Cash flow, employmentDirect application1 stage, Cash flowThin file2 stages, Cash flow, employment

Ask for less up front, and lose fewer customers

A first stage that decides whether the deal is real, and later stages for the conditions that only matter once it is. A deal that stops at stage one never collects stage two and never runs it, and if you change the workflow mid-deal whatever was already collected stays collected.

Stage 1Is the deal real?Cash Flow AnalysisStage 2Pre-funding conditionsEmployment, documentsStage 3At fundingWhatever your program adds

One application, one link, one page.

Nobody has to learn a new system to run it, on your side or the dealer’s.

Create CaseFirst Name*JordanLast Name*EllisWorkflow*Indirect, full stipsAddress and loan details, optionalCreate

The dealer, or your own team

No per-deal setup, no per-rooftop configuration, and no vendor account of their own to hold.

Summit Lending is requesting1 of 2 SubmittedIncome VerificationConnect automatically or upload bank statements.Employment VerificationUpload and verify your latest paystubs.

The customer

The link belongs to the deal rather than to a step, so it always opens on whatever is outstanding now, and a document already provided is never asked for twice.

Jordan EllisReview ProcessStage 1Current stageCash Flow AnalysisCompleted at 08/04 10:32Employment VerificationRequested at 08/04 10:29Proceed to Stage 2

You

Each step reports its own state as it finishes, so a result is readable the moment it exists rather than when the stage completes.

Underwriting paper your dealers send?

Auto lenders, direct and indirect

Reading a business, not a borrower?

SMB lending

Running this through your rooftops?

KoraConnect for dealers

Questions about running it end to end.

What an operations owner asks before putting a workflow in front of a dealer network.

01How many stages can a verification workflow have?

As many as your program actually needs. Each stage holds the steps you want at that point in the deal, and you can mark any of them required or optional. If the same step shows up in more than one stage, it’s not duplicated, it’s just carrying its status forward.

02What happens if a customer abandons mid-stage?

Whatever they already finished stays finished. The same link just picks back up on what’s still outstanding, so nothing gets reissued and nothing they already gave you gets asked for twice.

03Can a verification step be re-run?

Yes. Every time you re-run it, we snapshot the setup that produced that result and file it separately; nothing gets overwritten. So if a decision’s ever questioned, you can pull up exactly what the workflow looked like at that moment.

04How is a workflow changed, and does it affect deals in flight?

Workflows are versioned, so a change only applies going forward; it won’t reach back and touch anything already in progress. And if you move a live deal onto a different workflow, it keeps everything already collected and just picks up whatever the new one still needs.

05What does the dealer see, compared with the lender?

They create the application and can see where things stand on the steps for that deal. But the results, the analysis behind them, and how the whole thing’s configured all stay with you.

See your whole stip list on one link.

Tell us what your programs require, and we’ll map every condition to a stage and show you the one link your customers would get.

We work with auto and personal lenders 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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