Discover more
creditworthy
borrowers with
Cash Flow Analysis
Reduce portfolio risk, confidently approve more deserving applicants, and significantly improve overall portfolio performance.
Cash Flow Analysis
Turn Raw Data Into Real Insights
KoraConnect transforms raw transaction data from bank connections and bank statements into meaningful insights that can be used in decisioning and pricing.
Test with your data
KoraScore
Predicts the likelihood of default based on comprehensive cash flow analysis. Customizable scoring models are also available to align with your specific user segments and risk appetite.
Models
Charge-off Model
Predicts the likelihood of a loan resulting in a charge-off.
Early Default Model
Predicts the likelihood of an account becoming 60+ days past due.
Risk Indicators
Automatically identify and flag potential risks such as overdrafts, late fees, unidentified loans, income instability, low balance trends, and significant one-time expenses.
Configurable decision rules according to your risk policy with automation
Full list of indicators focusing on affordability, willingness to pay and hidden risk from transaction patterns.
Income & Debt Verification
Pinpoint income and debt with clarity.
Key Features
Income Stability
Detect irregular and non-traditional income like freelance, gig work, variable pay, and removes noise from internal transfers, cash advances and loan disbursements.
Hidden Debts
Detect hidden debt obligations like BNPL, unreported loans, and 3rd party payments. Deliver a comprehensive view of applicant's liabilities for accurate risk assessment.
Synthetic Income Inflation
Identify artificial deposits into accounts with closed-loop transfers and mismatched deposit origins.
Income and Employment Falsification
Verify frequency and stability of deposits to identify actual recurring incomes.
Fraud Detection
Proprietary models trained on real transaction data that surface fraud signals across documents and bank activity.
Types of Fraud
Identity
Compare extracted account ownership details (name, address, joint account ownership) to loan applications.
Manipulated Documents
Detect PDFs that have been altered with image overlays to hide or inflate values, or that appear to be synthetically generated by AI.
Income and Employment Falsification
Detect payroll and deposit manipulation that can be used to inflate income and ability-to-repay.
Account Info Reconciliation
Automatically review bank statements to see if transactions and balances have been manipulated.
KoraScore
Predicts the likelihood of default based on comprehensive cash flow analysis. Customizable scoring models are also available to align with your specific user segments and risk appetite.
Models
Charge-off Model
Predicts the likelihood of a loan resulting in a charge-off.
Early Default Model
Predicts the likelihood of an account becoming 60+ days past due.
Risk Indicators
Automatically identify and flag potential risks such as overdrafts, late fees, unidentified loans, income instability, low balance trends, and significant one-time expenses.
Configurable decision rules according to your risk policy with automation
Full list of indicators focusing on affordability, willingness to pay and hidden risk from transaction patterns.
Income & Debt Verification
Pinpoint income and debt with clarity.
Key Features
Income Stability
Detect irregular and non-traditional income like freelance, gig work, variable pay, and removes noise from internal transfers, cash advances and loan disbursements.
Hidden Debts
Detect hidden debt obligations like BNPL, unreported loans, and 3rd party payments. Deliver a comprehensive view of applicant's liabilities for accurate risk assessment.
Synthetic Income Inflation
Identify artificial deposits into accounts with closed-loop transfers and mismatched deposit origins.
Income and Employment Falsification
Verify frequency and stability of deposits to identify actual recurring incomes.
Fraud Detection
Proprietary models trained on real transaction data that surface fraud signals across documents and bank activity.
Types of Fraud
Identity
Compare extracted account ownership details (name, address, joint account ownership) to loan applications.
Manipulated Documents
Detect PDFs that have been altered with image overlays to hide or inflate values, or that appear to be synthetically generated by AI.
Income and Employment Falsification
Detect payroll and deposit manipulation that can be used to inflate income and ability-to-repay.
Account Info Reconciliation
Automatically review bank statements to see if transactions and balances have been manipulated.
Verification
Verify Everything You Collect
KoraConnect verifies the key information behind every application, giving lenders cleaner, more consistent verifications that reduce manual review and enable faster, more confident decisions.
Talk to our team.Bank Statements
Confirm statements are authentic and unmanipulated.
Identity
Confirm the applicants' identity across bank data, documents, and ID.
Employment
Detect unique income streams to verify employment.
Who We Serve
Cash Flow Underwriting for All Lenders
KoraConnect brings cash flow underwriting to any lending workflow. Use the applicant portal as a standalone link or embedded experience, or send documents like bank statements and paystubs via API for analysis and decision-ready outputs.
Why lenders choose KoraConnect
Proven, field-tested, and purpose-built for lenders by lenders
With 8 years of auto loans, personal loans, installment loans, and card-related financing experience, our modal is trained on extensive data from our own portfolio and lending partners.
Approval Rate for No-Hit / Thin-File Applicants
Net Lift per Application by adding rules based review of financial behaviors
As observed in KoraConnect "Grow Origination & Avoid Losses"
Average time it takes for an applicant to connect a bank account or upload statements in the KoraConnect portal
Integration
True, comprehensive picture of borrowers financial health
KoraConnect fits into your underwriting workflow via APIs or underwriter dashboards, and applicants can use it through a standalone portal link or an embedded web view.
Schedule a demoIntegrate via API
KoraConnect's cash flow analysis (including KoraScore and Risk Indicators) can be integrated with automated decisioning engines.
- RESTful API
- Sandbox Environment
- Identical Data Available via API and Dashboards
Interactive Dashboards
Underwriters can also review cash flow findings and risk indicators on KoraConnect's web based dashboards.
- Role-Based Access Controls
- Customizable Dashboard Views
Embed or Share URLs
Loan applicants can connect bank accounts and upload documents through the KoraConnect portal, available as a standalone link on its own URL or embedded directly in an existing application.
- Webview within existing applicant flows
- Applicants can go through KoraConnect
- Results will be available both as dashboard or API
- Customization & Branding
- Multi-Language Support
SOC 2 Certified
Kora is proudly SOC 2 Type 1 certified. Reports are available for clients upon request.
Free Retroactive and Backtesting
Run a complimentary retrospective analysis to quantify how KoraConnect would have impacted risk outcomes across your recently funded portfolio.
Compliance
Use New Data, Maintain Compliance.
Using new data for decisioning and pricing does not have to create new compliance headaches. KoraConnect's cash flow insights are designed to fit cleanly into your existing underwriting models, policies, and decisioning infrastructure.
FCRA Compliant
Consumer permissioned data keeps cash flow underwriting compliant with the Fair Credit Reporting Act.
Adverse Action Support
KoraConnect even has adverse action reasons that you can adopt to decisions based on cash flow data.
Get started with KoraConnect.
Talk with our team to learn how other lenders are leveraging KoraConnect for cash flow underwriting.