Agora Data primarily works with auto dealerships seeking financing solutions for subprime and near prime customers. Our funding programs help auto dealers expand approvals and grow vehicle sales.

Agora specializes in helping dealers finance subprime and near prime customers, including ITIN customers, buyers with limited credit history, and customers with no established credit score (Zero FICO).

Dealers choose Agora for flexible near prime and subprime auto financing solutions, a partnership that extends beyond funding, and opportunities to participate in the long-term success of the auto contracts they originate. See how auto dealers across the country have chosen Agora as a funding partner to grow their business → Dealer Success Stories.

AgoraCapital OnRamp helps new dealers get started with Agora Data. This program enables auto dealers to submit credit applications to Agora, access near prime and subprime auto financing, and provide support for approving more customers and selling more cars. All dealers start with the AgoraCapital OnRamp program and have a path to participate in long-term growth with the AgoraCapital WealthBuilder program.

Most financing programs pay dealers only once when the deal is funded.

AgoraCapital WealthBuilder gives qualifying dealers the opportunity to continue earning from the future performance of the auto contracts they originate. Unlike many financing programs that require dealers to build and close pools before additional earnings are realized, WealthBuilder allows dealers to participate in the profit of individual auto contracts as they perform. There is no need to wait for any pools to close before seeing the results.

For auto dealers, the benefit is simple: every qualifying deal has the potential to create value beyond the initial net check. Instead of relying solely on one-time deal profits, dealers can create an additional source of long-term income. The result is more upside from the customers you already serve and greater long-term profitability.

Dealers become eligible for AgoraCapital WealthBuilder after completing 6 months in AgoraCapital OnRamp and funding $500k in contracts. It’s that easy.

Agora helps dealers finance more subprime and near prime customers, sell more vehicles, and create additional profit opportunities through its funding programs. See how auto dealers across the country have partnered with us to grow their dealership by exploring our Dealer Success Stories.

Agora helps dealers sell more cars by expanding funding opportunities for subprime and near prime customers. By looking beyond traditional credit scores, considering flexible deal structures, and using alternative credit data, Agora helps identify qualified buyers who may be overlooked by other auto financing providers.

Expanding financing opportunities allows dealers to capture car sales that might otherwise be lost, serve more customers, and generate more referrals from satisfied buyers. Many Agora dealers report increased referrals from customers who were able to secure financing and purchase a vehicle.

Most auto lenders rely heavily on a customer’s credit score. Our AI model looks at the entire deal, including the customer, vehicle, alternative credit data, and other factors that may impact car repayment.

Our AI capabilities have been developed on over $350 billion of auto finance data to help assess risk and identify qualified car buyers who may not fit traditional credit models. This modeling gives auto dealers more opportunities to help customers get approved while making responsible financing decisions with greater confidence.