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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
About usBlogAPISupportCareers
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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.
Dealerships & Point of Sale

Get more of your buyers approved, faster

One link to your customer clears the income stip before you submit.

See how it works
Connect your bank$5,120/moIncome stip cleared
Trusted by leading financial institutions
Strike
LendSmart
Crown Auto Group
Local Finance
Glenview Finance
Arcadia Funds

Verify more income than a regular paycheck.

A paycheck is only part of the picture — auto loan income verification through KoraConnect also reads gig work, benefits, and recurring deposits from the bank, so you verify more income and get more buyers approved.

See how income verification works
Proof of Income Verified
From the paystub
Payroll · ACME Corp$2,560
Also found in the bank
DoorDash Gig+$680
Cash deposits Cash+$400
Second job 2nd job+$1,480
Only in KoraConnect
Verified income$2,560/mo+$2,560

Close while they’re still at the desk.

Everything is one click away — you open a case, the customer links a bank, and you and the lender get the result in a minute.

Copy access linkcashflow.koramoney.com/verify?…7XO800Copy
or
Send text message+1 (000) 000-0000Send
Step 1

One click to get your customer ready

From the desk, hand your customer a link or scan a QR. No app to download, no account to create.

Link your bank accountsSearch all institutionsChaseBank of AmericaWells FargoUpload statements manually
Step 2

Customer connects in a portal

They tap, pick their bank, and log in from their phone. Real income is verified on the spot — no paystubs to collect.

Proof of income
Notify through emailAdd emails to shareShareSummit LendingMarcus Webbunderwriting@summit.comShare through report linkCopy link
Step 3

Submit clean, jump to yes

A verified result attaches to the deal automatically, with the stips already cleared before the lender ever sees it.

Faster on every deal, easier on every desk.

Every figure here comes from the KoraConnect dealer network, where the average store avoids 164 lender stips a week.

PaystubBank loginCallbackSend one link

14.5 minutes back on every deal

Your customer taps it on their own phone and the verified result lands on the case.

MonTueWedThuFrievery day cleared

6.5 hours back every week

What the top quarter of stores on the network get back, one deal at a time.

One sessionIncomeEmploymentIdentityInsurance

4 stips avoided in one session

Income, employment, identity and insurance all come back from the same customer session, so none of them turns into a follow-up.

Every check on the path to yes.

One link clears every verification a lender asks for — so the deal arrives already approved-ready.

See how employment verification works
Income verification — sample KoraConnect report
Sample report — actual KoraConnect output

Fits how you already work.

Low-friction by design — your team keeps selling, KoraConnect just clears the income stip.

koraconnect.com/v/4821No download

Nothing to install

No software at the store, no IT project. Send the link from any phone or browser.

Send Jordan the link…

No training needed

If your team can text a customer, they can use KoraConnect. Sending the link is the whole job.

Your DMSMenu+ KoraConnect

Works alongside your tools

Runs next to the menu and DMS you already use today. Direct RouteOne and Dealertrack integrations are coming soon.

Try it on your next deal.

Fifteen minutes: we send the link, connect a bank live, and show you the income document that clears the lender’s stip.

We work with dealership 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 docsSupportCredit disputesCareers

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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