Kora

Switching underwriting tools shouldn't mean rewriting your stack. KoraConnect is built to fit what you already have. → 30+ REST endpoints — works with any open-banking provider or PDFs, no lock-in → 30% faster decisioning once cash-flow rules are embedded in your LOS → Clean docs, quick start, and KO rules that let you gate safely from day one From sandbox to live in your LOS — without the drama. Book a demo → koramoney.com

200 apps. 3 months of data. One week. That's all it takes to see what's really in your pipeline. KoraConnect's POC gives you: → Verified PTI and DTI → Five-dimension risk scan → PDF fraud forensics → Underwriting recommendations What most lenders find: buffers that looked fine, cash-advance stress that didn't show on credit, and obligation gaps that distorted early affordability. Start with your own data. See where structure needs to tighten. Book a demo → koramoney.com

Get FREE access to KoraConnect for income verification at your dealership by stopping by the Kora - AI and Cash Flow Underwriting booth at the National Independent Automobile Dealers Association show next week in Denver! 🏔️🌞🎿🏔️🌞🎿🏔️🌞🎿🏔️🌞🎿🏔️🌞🎿🏔️🌞🎿🏔️🌞🎿🏔️🌞🎿🏔️🌞🎿

A 15% drop in portfolio risk doesn't come from tightening credit boxes, it comes from better data going into the decision. When verified cash flow drives structure, not stated income, 3 things happen: 1. Affordability math actually reflects reality — income stability, real obligations, and buffer behavior replace numbers that look good on paper but don't hold up at payment time 2. Early delinquency buckets shrink — deals structured to verified earning power perform differently in the first 30 to 90 days 3. Every decision is reviewable — rule-based logic your auditors can follow, documented from signal to approval Volume stays healthy. Risk gets tighter. That's the model. Book a demo to see how KoraConnect gets you there → koramoney.com

The first 90 days don't lie. That's where yield either holds or quietly leaks. Most pricing models start with stated income. The problem is stated income doesn't pay the note. Cash flow does. How KoraConnect approaches the first 90 days: → Verified recurring income - We rebuild actual inflows across payroll, gig, and P2P, then strip circular transfers before sizing PTI and term. → The full obligation picture - BNPL balances, payday loans, and subscription charges don't show on a credit report. They do show in a bank statement - and they distort early affordability in ways DTI alone won't catch. → The cash buffer signal - Near-zero end-of-month balances and overdraft frequency are some of the strongest predictors of first-payment stress. We read them before the deal funds. Rate, term, and advance should reflect what a borrower actually earns and owes - not what they wrote on the application. See it in action → koramoney.com

Speed and control aren't a tradeoff. They're a design choice. Lenders using cash flow rules embedded directly in their LOS are seeing 30% faster decisioning without sacrificing audit readiness. Here's why it holds up: → Every approve, condition, or decline is backed by transparent, reviewable metrics → Less back-and-forth means less rework between underwriting and funding → A cleaner paper trail from offer to close When the rules live in the system, your team moves faster and your compliance team sleeps better. Book a demo to see how KoraConnect fits into your workflow at koramoney.com

I'm back on the road next week with Yifeng Ouyang down at the National Automotive Finance Association Show in Dallas. Stop by our kiosk in the expo to talk about cash flow underwriting! 🤠🌵🏈🤠🌵🏈🤠🌵🏈🤠🌵🏈🤠🌵🏈🤠🌵🏈🤠🌵🏈🤠🌵🏈🤠🌵🏈

A lender funds a deal. The income checked out on paper. First payment never comes. Spoofed PDFs are getting harder to catch with the naked eye, but the documents still leave clues. Three things your team should be checking: 1. Layout Consistency - Authentic bank statements follow strict grid and font rules. Edited ones often don't. 2. Metadata - The file's creation date, software, and modification history can contradict what the applicant claims. 3. Transaction Reality - Does the income shown align with actual cash flow behavior? Spoofs inflate deposits and hide overdraft cycles. Automated PDF forensics in your LOS catches what manual review misses BEFORE the deal funds. See it in action → koramoney.com #AutoLending #FraudPrevention #CashFlowUnderwriting #IncomeVerification #AutoFinance

Yifeng and I were so busy in Nashville for Auto Finance News AFS East that this was the only photo we took. 😅 Thank you to everyone who stopped by the Kora - AI and Cash Flow Underwriting booth to talk about cash flow underwriting and our new dealer tool. See you all in DFW next month for National Automotive Finance Association NAF2026!

The long wait is over: KoraConnect for Dealers is officially live! 🚀 If you are heading to AFS East in Nashville this week, come see it in action! Stop by Booth 405 for a live demo. Let’s get your deals moving faster. Two years ago, we launched KoraConnect, drawing on our decade of experience in auto lending. We quickly realized even the best data is useless if the process is a headache for your dealers. The feedback was clear: “It’s too hard to coordinate the bank-connect text.” When that handoff feels clunky, momentum stalls—and so does the deal. So we built a dealer tool to fix this. Now, you get cash-flow underwriting with zero new integration. Just have your dealers verify income through KoraConnect for: 🚩 Risk Flags: Real-time alerts for NSFs and gambling. 💰 Income Clarity: Automatic separation of recurring pay. 📈 KoraScore: Our proprietary predictive risk model. Visit https://lnkd.in/gnV74R_c for more details. #AFSEast #AutoFinance #Fintech #KoraConnect #LendingSolutions #CashFlowUnderwriting