AI, Analytics and Capital to Accelerate Portfolio Growth

Meet Expanding Capital Requirements Now and In the Future

Shift your small to mid-tier 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 auto 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 advances that align with current market conditions, ensuring competitive and fair loan amounts based on asset value.

Take-Out Securitization

With Agora’s Take-Out Securitizations, we provide Finance Companies with liquidity and the ability to grow without balance sheet restrictions.

Limited Financial Covenants

Bank type financial covenants are 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 audit fees, no commitment fees. Keep more of your revenue.

What Agora Provides

Once onboarded to the Agora Platform, Agora provides the advance for the Retail Installment Contract and then pays your finance company the Additional Loan Profit monthly. Loans are transferred to a Special Purpose Vehicle in which the Finance Company owns a preferred membership interest.

Why Work With Agora on an Ongoing Basis?

Working with Agora the finance company gets the scale and sophistication of Agora’s models without spending millions of dollars and years to build. Our structured programs will fund the finance company as frequently as daily.

Finance companies are able to API into the Agora Platform and receive scalpel-like guidance and the capital necessary to grow and build wealth. Our Dashboard provides real time data and analytics at the finance companies fingertips.

Put Our Technology to Work

We make available our automated proprietary software, machine learning-powered algorithms and structures built by Agora for more than $50 million and used for pricing and predicting loan performance. Trained on subprime auto loan data with a principal balance of over $350 billion, our patent-pending machine learning models can predict future loan performance with scalpel-like accuracy.

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.

Small to Mid-Tier Finance Companies have been searching for decades ways of accessing capital like large national lenders have access to. Agora is the only company delivering that access.

Meet our Financial Institution Group Leaders

Our Financial Institutions Group has decades of banking experience managing one of the largest groups lending to consumer finance companies nationally. The Agora FIG team managed over $7 billion in assets prior to joining Agora.

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