Turn Tax Season into
Cash Season
Tax refunds for purchasing vehicles. Are you capturing the cash?
No extra staff to hire, no new software to buy and learn. Plug Agora into your current F&I application and start making more cash from every sale.
Make Tax Refund Shoppers Your Most Profitable Buyers
Tax season puts more down payment money in your customers’ hands. The right partner lets you use that cash to generate more deals, structure stronger auto contracts, and keep a much larger share of the lifetime profit from every performing contract.
Instead of sending well qualified non-prime buyers down the road to a lender, Agora gives you a way to say yes inside your own dealership, even when traditional lenders say no.
Customers bring the cash.
You turn it into lasting wealth.
Stop Giving Away Your Profits and Customers
Sell More Vehicles
Your dealership is busy and needs to take action fast. Close more deals with fast funding through Agora.
- Decisions in seconds. Fast funding with e-contracting.
- On average Agora dealers sell 3-5 more vehicles per month.
- Your account manager is easily accessible through phone, text, or email.
Maximize Your Profits
Fuel your dealership’s growth with additional cash flow. Get paid 3 ways on every contract you originate with Agora.
- Net Check – The gross profits you currently earn from lenders.
- Big Payouts – Agora Guaranteed Funds: the money you see monthly and quarterly that scales based on contract volume.
- Ongoing Returns – Additional Loan Profit: earnings over the lifetime of the auto contract.
Keep Your Customers
Flexible stipulations help expand your customer base and reduce risk on non-prime customers through advanced analytics.
- Performance analytics are based on alternative approval criteria. We don’t rely on FICO alone.
- Expand your customer base with improved approval ratings.
- Retain customers for the life of the loan and future referrals.
“We like how Agora buys the deals. The program fits our clientele.”
- Griffith, IN
Capture More Cash from Every Deal
Get paid upfront, then continue earning as auto contracts perform over time. Agora enables you to participate in the ongoing economics of your contracts, so tax season volume turns into long term wealth instead of one-time income.
Stop giving away Additional Loan Profit. Promote your buyers into stronger contracts while you keep more of the value you originate with long term earnings.
- Retain a larger share of profit that typically goes to outside lenders.
- Turn high traffic weeks into compounding earnings over the lifetime of the auto contract.
- Build an auto finance portfolio that works for you long after tax season ends.
Serve More Non-prime Customers
Stop turning away credit challenged buyers who are ready to buy today. Agora uses an AI-driven model with alternative data to forecast contract performance, so you can approve more customers with confidence, not guesswork.
Your tax refund shoppers want to quickly put their cash to work. When you can qualify more of them on the spot, you increase sales, move more inventory, and earn long term income from more buyers.
- Expand approvals for non-prime and near prime buyers, including first time buyers.
- Use quantitative modeling and alternative data to help structure deals.
- Grow sales without lowering your underwriting standards.
"We've been able to grow all of our dealerships at a fast pace with Agora's funding."
- Merrillville, IN
"Agora has been a great partner and helps us close more sales every month."
- Irvington, NJ
Move Quickly During Peak Traffic
Tax season traffic is intense. You cannot afford bottlenecks in F&I. Fast decisions and funding with e-contracting help your team close more deals while buyers are still excited and ready to buy a vehicle.
- Simple submissions and e-contracting through DealerCenter, DealerTrack, and Route One.
- Faster answers so sales do not stall.
- Keep customers moving from test drive to delivery in one visit.
How Agora Works During Tax Season
A Simple Path from Tax Refund to Long Term Profit
Step 1: Submit the Deal
Send applications through the platforms your team already uses. Agora fits into existing workflows, so your managers do not have to learn an entirely new system during your busiest season.
Step 2: Get a Smart, Fast Decision
Agora uses industry leading AI and alternative credit data to evaluate each auto contract and predict performance. You get clear decisions and structured offers that are built for long term portfolio strength.
Step 3: Receive Cash and Keep Earning
You receive funds quickly so you can restock inventory, pay your floorplan, and reward your team, while your performing auto contracts continue to generate Additional Loan Profit over time.
Built for Independent Dealers in the
Non-prime Market
Agora Data, Inc. is a leading consumer fintech company transforming access to capital in the non-prime auto finance market. Agora empowers originators to improve portfolio performance, unlock capital, and scale responsibly with AI-driven analytics and innovative financing solutions. Backed by deep automotive experience, Agora completed the industry’s first asset pooled non-prime auto securitization in 2020 and continues to pioneer new paths in auto finance technology.
Agora Pays You Three Ways:
Net Check at Funding
Agora Guaranteed Funds Paid Monthly and Quarterly
Additional Loan Profit for Long Term Wealth Building
See What Additional Loan Profit Can Look Like
Selling 8 more vehicles every month
“Agora is easy to work with. We have good communication.”
- Miami, FL
- Dealer's Website
Selling 6 more vehicles every month
“Agora’s buying and funding are great! Agora tries to make a deal happen. It’s like working with people that really know you.”
- Griffith, IN
- Dealer's Website
Selling 2 more vehicles every month
“Gives people with limited credit an opportunity to buy cars. Agora is competitive on the right customer.”
- Tallahassee, FL
- Dealer's Website
Selling 6 more vehicles every month
“Agora does not require a huge down payment and they do not penalize the dealer based on the car submitted.”
- Mobile, AL
- Dealer's Website
Selling 3 more vehicles every month
“The program fits our clientele and gives us better options. It’s easy to identify a customer and structure that works well with the Agora program.”
- Jacksonville, FL
- Dealer's Website
Selling 4 more vehicles every month
“We love the fast approvals because we quickly know where we stand.”
- Saltillo, MS
- Dealer's Website
Selling 10 more vehicles every month
“Agora allows me to retain even more customers.”
- Fayetteville, NC
- Dealer's Website
Selling 10 more vehicles every month
“Agora is helping us get a lot of non-prime customers into cars in our community.”
- Memphis, TN
- Dealer's Website
Selling 10 more vehicles every month
“Agora’s approvals fit our customers and vehicles. They are allowing us to sell more vehicles!”
- Merrillville, IN
- Dealer's Website
Selling 2 more vehicles every month
"We are very pleased with Agora and they have become one of our top non-prime lenders."
- Mobile, AL
- Dealer's Website
Selling 3 more vehicles every month
"The Agora team is extremely helpful with my needs and the team is great to deal with. We have gotten off to a very fast start with Agora."
- Akron, OH
- Dealer's Website
Selling 5 more vehicles every month
"Agora continues to be a great partner for us and we are loving the full team."
- Philadelphia, PA
- Dealer's Website
Selling 5 more vehicles every month
"Agora is filling a huge need at our store and allowing us to sell more cars."
- Valpariaso, IN
- Dealer's Website
Selling 3 more vehicles every month
“Agora’s approvals fit our customers and vehicles. They are allowing us to sell more vehicles!”
- Chicago, IL
- Dealer's Website
Selling 5 more vehicles every month
“We love Agora’s fast responses. Funding is quick on clean packages and the program has strong underwriting.”
- Virginia Beach, VA
- Dealer's Website
Selling 3 more vehicles every month
"We have been extremely pleased with the Agora program and they continue to help us find ways to go with our non-prime customers."
- Birmingham, AL
- Dealer's Website
Selling 2 more vehicles every month
"Agora always helps to find solutions and is helping us grow quickly."
- Miami, FL
- Dealer's Website
Selling 3 more vehicles every month
“Everyone is very helpful. The program is easy, and we know what Agora is looking for.”
- Hobart, IN
- Dealer's Website
Selling 5 more vehicles every month
"We love Agora and have had a ton of success with them already. They are helping us grow our portfolio very quickly!"
- Mount Clemens, MI
- Dealer's Website