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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
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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.
Income Verification

Income verification straight from the bank, in minutes

Retire the paystub. Verify income from the bank itself.

See what a report carries
Bank connectionStatement
Verified income$4,140/moAccount ownerMatchedDocument checksClear
Run at the desk by dealer groups, and read by the lenders they submit to.
Strike
LendSmart
Crown Auto Group
Local Finance
Glenview Finance
Arcadia Funds

A verified income number they can actually spend.

One number both sides work from: the dealer runs it at the desk, the lender receives it with the transactions behind every dollar.

Lend against what they earn now

Averaged over the last three months of transactions, so it tracks what they are earning now rather than a figure a year of history has flattened out. However many accounts arrive, one number comes back.

Verified monthly income · last 3 months$4,140.00

Feb 1 – Apr 3036 deposits · $12,420 counted

On the stated $5,20013.9%On the verified $4,14017.5%
Payment written at $725 a month

Count only the money they keep

A deposit is not income. Money the applicant borrowed, moved between their own accounts, or received once and will not receive again is identified and taken out before the figure is set, so nothing in it has to go back out.

Not counted as income
Transfers between their own accounts−$600.0002/03 · TRANSFER FROM SAVINGSA loan paid into the account−$500.0003/06 · DEPOSIT LOAN PROCEEDSLarge one-time depositsnone foundRefundsnone found

See which income you can rely on

Payroll, gig work, benefits and private support each get their own line, with how much it pays, how often it lands and how steadily, so you can see which part of the figure is durable rather than trusting one average.

See how it approves more borrowers
Payroll IncomeACME Logistics
$3,320.00/mo
Stability
High
Frequency
Biweekly
Avg deposit
$1,660.00
Deposits
6
Gig or Platform IncomeGigpro
$820.00/mo
Stability
Medium
Frequency
Irregular
Avg deposit
$82.00
Deposits
30
At the dealer desk

A doctored statement never becomes a buyback.

A forged statement is your exposure, not just the lender’s. Verify before you submit, and a funded deal does not come back on you for it.

See what the checks catch
3 flaggedFile provenanceJANFEBWATERS.pdf · created 04/17, modified 04/25
FIRST NATIONALStatement of Account
Statement period01/15/2026 – 07/14/2026AccountChecking ···· 0-25
Account holderKEVIN WATERSMismatchOn the applicationMarcus BellAddress of record8735 Coralbell LnCharlotte, NC 28213MatchOn the application8735 Coralbell Ln, Charlotte NC 28213
Opening balance$1,240.18Closing balance$1,798.44
DateDescriptionAmount01/17ACH PAYROLL ACME LOGISTICS+1,532.3101/24GIGPRO PAYOUT+74.55Font inconsistency02/01RENT ACH OAKWOOD LLC−1,650.0002/03TRANSFER FROM SAVINGS+600.00Baseline misalignment02/11ACH PAYROLL ACME LOGISTICS+1,532.31
At the dealer desk

Start light. Upgrade only when the deal needs it.

Your customer links their bank in one tap. In minutes you know the income is real and the deal is worth sending. And when you send it, the lender opens the full picture automatically, so deals stop bouncing back for more paperwork.

Verified income$4,140/moAccount ownerMatchedDocument checksClear

The answer at your desk

Three lines: income verified from the bank, the account matched to your customer, the documents checked. Enough to know the deal is worth writing up, in minutes.

KoraScore712300850Risk indicatorsOverdrafts 4Reversals 1ObligationsAuto loan$455Card minimums$278Buy now pay later$95Debt-to-income20%

The full analysis behind it

The same bank link already carries the full Cash Flow Analysis. You never run it at the desk; it waits for the deals that call for it.

Explore Cash Flow Analysis
Case #4821 · bank linked ✓At the deskVerified income$4,140/moAccount ownerMatchedDocument checksClearAlso at the lender+ Obligations$828/mo+ Debt-to-income20%+ Risk indicators2 flagged+ KoraScore712

One deal, two views

The lender you submit to opens the full analysis of the same case, with nothing re-asked of your customer.

See KoraConnect for Dealers
At the lender

Every dealer’s reports in one place.

Your dealers work in their own portal. It all lands in yours.

See it run end to end
LenderCoralbellSahuaroOwen

Each dealer gets their own workspace

They create the request, send the link, watch it come back and pull the report, without seeing another dealership’s deals.

All dealerships▾R. AlvarezVerifiedCoralbellK. WatersFailedSahuaroD. OkaforVerifiedOwen

All of your dealers, in one queue

Every report your dealers run lands in your dashboard, filterable by dealership, with a PDF for the deal jacket.

Deal #4821Verify income

Nothing to install, nothing to teach

Dealers sign in and start, and the ones on a supported system trigger it from the software they already use.

Verify from whatever the customer can provide.

A bank connection or uploaded statements, and the same verified report comes back.

A bank connection

The applicant links an account from their own phone and the transactions arrive live.

Statements they upload

PDFs are read automatically, however many months and however many accounts.

Transactions you hold

Post what is already in your systems to the API and the same report comes back.

See verified income on a live application.

Book a demo and we’ll run one application end to end: the verified figure, the streams behind it, who the account belongs to, and what the document checks confirm. Tell us how many dealers you buy from and we’ll size the rollout with you.

Lenders and dealer groups 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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