Improve portfolio performance

Spot financial stress before the first missed payment

Cash flow based lending reads the account itself, and grades it against the lines your policy draws.

See what it catches

Account behavior · 12 monthsOverall levelWarning

Trusted by auto and personal lenders holding their loss line while their book grows.

See repayment behavior in a file with no repayment record.

Delinquency starts as an account running short, debt the income cannot carry, or risky spending. We catch it while the file is still an application.

01 / 06

Liquidity

Insufficient-funds behavior and near-term solvency stress.

Overdrafts
Overdraft protection transactions
ACH returns
Returned checks
Transaction reversals

Overdrafts in last 6 months9ACH return outflow amount$412

02 / 06

Affordability

Capacity to carry a debt load relative to income.

Payday loan payments
Cash advance app transactions
BNPL transactions
Earned wage access transactions
Personal, student, title and SBA loan payments

Pre-loan debt-to-income, last 6 months41%Payday loan payment amount$1,240

03 / 06

Payment discipline

Repayment consistency and adherence to scheduled obligations.

Late fee count
Collections transactions

Late fee count6Days since last late fee9

04 / 06

Behavioral

Discretionary or high-risk behavior correlated with credit stress.

Gambling transactions
Zelle corporate transactions
Credit builder transactions

Gambling outflow amount$1,840Zelle inflow over income ratio18%

05 / 06

Alternative income signal

Non-traditional income that still carries a repayment.

Rideshare inflow transactions (Uber, Lyft, delivery)
Direct, indirect and context unemployment benefits
Car rental income transactions

Rideshare inflow over income ratio0.20Average monthly amount, last 6 months$980

06 / 06

Account activity

Account reliability and whether this is the primary bank.

Days since latest transaction
Joint accounts
High inflow transfer over income ratio
High refund over income ratio

Days since latest transaction2High inflow transfer over income ratioNo

Catch the risk that never reaches a credit report.

Some of the strongest stress signals never become a tradeline. They sit in the account as plain transactions, and the flags read them there.

Catch high-risk spending a file never shows

Gambling, payday repayments, cash advance apps — none of it ever becomes a tradeline, so a heavy month leaves no mark on a score. In the account each one is a plain debit, and the flags tag every kind and total what left.

Avoid lending on a score that was built, not earned

Credit builder payments exist to raise a score, and from the file that is all you see. The account shows the payments themselves, so a climbing number arrives with its explanation.

Catch the risk specific to what you finance

To an auto book, Turo and rideshare deposits are a financed vehicle wearing out in commercial use. Every industry has reads like that — checks that only matter for its own case, running in your program from day one.

Catch the strain while the record is still clean.

No missed payment, no collection, nothing to report yet. The strain shows in the account first, and it is graded the moment it does.

Catch stress while it is still building

An account that averaged less than one overdraft a month just had four in one. The month-over-month read shows the momentum, not just the count.

Know the trouble is happening now

Every finding carries its date, so a file that went wrong last month is never read like one that went wrong last year.

See how stressed the file is at a glance

Each flag's condition maps the reading to a level — nine overdrafts in six months lands this file in Warning — and the file carries its worst finding, set by your policy, not ours.

Run only the flags you want, at the line your policy sets.

A flag is two things you own: whether it runs at all, and the condition it trips on. Both are set per program, so a near prime book and a subprime book never share a cutoff.

Keep the flags that matter to your book

Every check in the catalog is switched on or off by you, and a signal you already rely on is computed here with the standard set, so one read covers your policy rather than most of it.

Put the line where your credit policy puts it

Every flag ships with a default condition and level, and they are replaced with yours. The same overdraft count can be clean on one program and a Warning on the next.

Looking for the number these flags sit beside?

KoraScore

Want the whole file this read sits on?

Cash Flow Analysis

Worried the document itself is fake?

Prevent fraud

Questions a risk committee asks first.

What has to hold before a cash-flow signal is allowed near a credit decision.

01How is a risk flag explained to a reviewer?

Every flag tells you exactly what triggered it and what level it’s set at, so you can read the rule yourself instead of just taking our word for it. It’s never a black box, and it’s never us making a judgment call on your behalf.

02Does a risk flag decline an applicant?

No, a flag just means a condition from your own policy got hit, at the level you set. What you do with that is up to you: price the deal, ask for more documentation, or decline it.

03What happens when a risk indicator has no hits?

It still shows up as a zero, it doesn’t just disappear on you. That matters, because “nothing happened” and “we never actually checked” are two very different things. And if a rule depends on some other check being turned on, it’ll say so in its own condition.

04How are risk thresholds changed, and how often?

Every flag starts out with a default rule and cutoff, but you can swap in your own for each program so your near-prime book and your subprime book don’t have to share a cutoff they shouldn’t. Most teams check back in every quarter, or whenever their risk appetite changes.

05Can the risk indicators be re-run on a file?

Yes, any time new information comes in. We don’t overwrite anything; every run sits on its own, so if someone asks what you knew when you made a call six months ago, you can actually go back and check.

Run your own thresholds on a file you already know.

Send an applicant you have already decided. We read the twelve months behind them, run the flags at the lines your program sets, and show you the level each one resolves to.

We work with auto and personal lenders across the US & Canada