Question 1

What is cash flow underwriting?

Accepted Answer

Cash flow underwriting is the use of real-time bank transaction data to assess a borrower's ability to repay — evaluating income stability, spending patterns, and risk signals instead of relying solely on a credit score. KoraConnect by Kora Financial automates this process for lenders.

Question 2

How does KoraConnect verify income?

Accepted Answer

KoraConnect connects to an applicant's bank account via Plaid or accepts uploaded bank statements, then analyzes 3-24 months of transactions to identify income sources, stability, and monthly cash flow in under 60 seconds.

Question 3

What is KoraScore?

Accepted Answer

KoraScore is Kora Financial's predictive risk model trained on real cash flow and loan performance data. It outputs a dual score — default/charge-off and default/DPD60 — giving lenders a decision-ready signal from bank data.

Question 4

Who is KoraConnect built for?

Accepted Answer

KoraConnect serves auto lenders (indirect, BHPH, direct), personal lenders, and auto dealers across the US and Canada who need fast, accurate income verification and cash flow underwriting.

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