AI, Analytics and Capital to Accelerate Portfolio Growth

Institutions

Meet Expanding Capital Requirements Now and In the Future

Shift your finance company into expansion mode with capital and analytics powered by advanced Artificial Intelligence built by Agora Data.

Our Structured Finance Programs with off-balance sheet, non-recourse facilities fill a significant void for finance companies with loan portfolios of less than $250 million. Borrow up to $100 million without personal guarantees or diluting your ownership with equity raises.

Financial Institution Program Highlights

Line of Credit

Get a line of credit up to $100 million. Our line of credit is non-recourse secured by the loans you originate.

At-Market Advance Rates

We offer advance rates that align with current market conditions, ensuring that you will have competitive loan programs for your dealers.

Capital Market Securitizations

With Agora’s crowd-sourced securitization programs, we provide Finance Companies with the liquidity and the ability to grow without balance sheet restrictions.

Limited Financial Covenants

Bank type financial covenants are nearly non-existent in our structured facilities.

Limited Loan Level Concentrations

No monthly balancing act on loan level concentrations causing ineligible loans. Your borrowing base is simplified!

Limited Fees

No unused line fees, no financial audit fees, no commitment fees. Keep more of your revenue.

What Agora Provides

Once Agora receives your loan, it is quickly onboarded to the Agora Platform, and you are funded. These loans are transferred to a bankruptcy-remote, Special Purpose Vehicle (SPV), in which the Finance Company owns a preferred membership interest. We handle everything until the loan is fully liquidated.

Agora Financial Institutions Group

Why Work With Agora on a Forward Flow Basis?

Agora’s powerful credit underwriting engine can work to enhance your current credit programs for better portfolio performance, lower loan losses, and higher consumer success. Working with Agora allows you to tap into the scale and sophistication we’ve created without spending millions of dollars and years to build.

Finance companies receive scalpel-like guidance and the capital necessary to grow a more profitable portfolio while improving the credit profiles of your consumers. Our Dashboard provides real-time data and analytics at the finance company’s fingertips.

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Put Our Technology to Work

We make available our automated proprietary software, machine learning-powered algorithms and structures built by Agora for consumer finance companies that are used for pricing and predicting loan performance. Trained on subprime auto loan data on over $350 billion in loans, our patent-pending machine learning models can predict future loan performance with scalpel-like accuracy.
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Put Our Innovative Strategies to Work

Agora made history in 2020 by closing the first-ever crowdsourced nonprime auto securitization and continues to bring groundbreaking financing solutions to the consumer finance industry.

Consumer finance companies have been searching for ways to build a bridge from the traditional ABL structure to ABS capital markets structures for portfolios less than $250 million. Agora’s innovative SPV structures have solved that inequity, and as a result, is leveling the playing field for all finance companies.

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Meet our Financial Institution Group Leaders

Our Financial Institutions Group team has decades of banking and structured finance experience, managing one of the largest senior lending companies providing capital to consumer finance companies nationally. The Agora FIG team managed over $7 billion in assets prior to joining Agora.
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Sharon Mancero

Managing Director, Group Head

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Bill Laird

Managing Director, Risk Management and Operations

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Loren Love

Managing Director, Operations, Reporting and Analytics

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