Tailored CRA assets on-demand for buyers. Liquidity for sellers. Increasing investment in underserved communities.
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Features
Stop chasing down brokers only to be hit with large fees. Stop pounding the pavement searching for loan purchase opportunities. Move on from buying loan portfolios containing loans that don’t help you further your CRA goals.
Use a basic or advanced search based on your CRA preferences (MSA, census tract, gross annual revenues, FICO, etc.) to streamline your loan discovery.
Leverage tailored search capabilities to build custom portfolios. Target only the loans that fit your needs.
Features
Effortlessly list loans on your balance sheet that you want to sell to gain liquidity. Simply upload your loan tape, and we'll handle the rest. With Koi, you gain:
Market transparency
More liquidity
Optimal pricing
Features
No more headaches juggling countless bespoke contracts, data, and negotiations. We reduce these complexities so you can focus on providing impact at scale.
We provide standardized contracts and agreements to reduce time and cost.
Streamline the transaction process with virtual deal room functionality.
Mission
Koi empowers financial institutions to do what they do best: extending crucial access to capital to those that need it most. As you know, liquidity and balance sheet constrains limit this pursuit by CDFIs, MDIs, credit unions, and banks today. Meanwhile, banks struggle to source and purchase CRA loans at scale. Koi cuts the cost and complexity of secondary CRA loan sales, enhancing liquidity in the CRA lending market so institutions can make more loans.
Our team has collective experience in fintech and AI from MIT, Harvard, Meta, Zest AI and D.E. Shaw. Through our advisors, we are supported by industry executives who've helped power Fifth Third Bank, Banc of California, Sofi, and Zest AI.
