About us

In 2017, we set out on a mission to create access to the capital markets for loan originators that historically could not access those markets due to scale issues, lack of a large balance sheet, and lacking a management team and capital capable of building sophisticated models and analytics.

To accomplish that mission, we spent over $50 million and assembled a team of experts from retail auto, data science, advanced mathematics, quantitative research, compliance, legal, and consumer finance to create Agora Data.

After building the team and models, we accomplished the first-ever “Crowdsourced Auto Securitization” as proof of concept in 2020. Since then, we have analyzed and originated billions in loan principal balances for car dealerships and finance companies.

Our mission

Drive smarter, more profitable consumer loan originations for all.

Leveraging Technology to Disrupt Auto Finance.^™

Our team strives to innovate how data is used in the auto industry. Utilizing artificial intelligence and machine learning, we have analyzed over $350 billion principal balance of consumer loans, giving us one of the largest data sets in the industry. This data set has trained our machine-learning models with scalpel-like accuracy.

Our modeling and underwriting guidelines will help loan originators create better loans with predictable performance, benefiting you and the consumer, so that you both win.

Your success is our success, and we’re dedicated to safely and securely helping you fuel your growth.

Meet our Leadership Team

Our experience includes starting and operating successful subprime auto finance companies, running franchise and independent auto dealer groups, successfully securitizing billions in the capital markets, purchasing billions on the auto loan secondary market, managing private equity companies, managing data science teams, leading risk management teams, managing call centers, founding national trade associations, and much more.