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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 performance Catch the account stress that shows up before a payment is missed. KoraScore Predict charge-off and 60+ day delinquency on the same file. Prevent fraud Keep fabricated income and documents off your books. Approve more good borrowers Say yes to thin- and no-file applicants a bureau score would reject. Automate stips Income, employment, identity and insurance from one applicant upload. Customized Project Modernize 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 Score How a $1B+ lender improved performance, measured against outcomes. Grow Origination, Cut Losses Delinquency down across every credit tier, in matched cohorts.

Kora Blog

Real talk on cash flow, credit decisions, and the tech behind smarter lending

Borrower Segments 2 Cash Flow Underwriting 101 7 Compliance and Regulation 1 Feature Introduction 1 Fraud Prevention 1 Income Verification 2 Risk & Portfolio Performance 5

15 articles

Income Verification

How Auto Dealers Can Reduce Chargebacks and Buybacks With Better Income Verification

August 17, 2026 · 6 min read

Borrower Segments

Income Verification for Gig Workers: What Auto Lenders and Dealers Need to Know

August 13, 2026 · 7 min read

Risk & Portfolio Performance

How to Reduce Loan Default Rates Using Cash Flow Data

July 17, 2026 · 5 min read

Risk & Portfolio Performance

Cash Flow Underwriting for Auto Loans, Personal Loans, and Mortgages: What’s Different?

July 17, 2026 · 4 min read

Cash Flow Underwriting 101

How to Build a Cash Flow Underwriting Strategy From Scratch

June 24, 2026 · 5 min read

Cash Flow Underwriting 101

5 Signs Your Lending Process Needs Cash Flow Underwriting

June 24, 2026 · 6 min read

Risk & Portfolio Performance

Cash Flow Underwriting ROI: What Lenders Actually See After Implementation

May 19, 2026 · 3 min read

Compliance and Regulation

Open Banking and Cash Flow Underwriting: What Lenders Need to Know About CFPB Rule 1033

May 18, 2026 · 3 min read

Borrower Segments

How to Underwrite Gig and Self-Employed Borrowers Using Cash Flow Data

May 13, 2026 · 3 min read

Risk & Portfolio Performance

Cash Flow Underwriting for Credit Unions: The Complete Guide

May 7, 2026 · 4 min read

See it on your own deals.

Send a batch of deals you’ve already worked. We’ll show the verified income, the risk flags and the KoraScore each one would have carried.

Lenders and dealer groups across the US & Canada