

Make faster, more accurate SMB credit decisions
Get a 360° view of your small business customers’ financial health. Assess collects, processes, and enriches your customers' real-time accounting, commerce, and banking data and surfaces intelligent insights you didn't have before.


Make smarter risk decisions
Assess categorizes and enriches your SMB customers' data, producing actionable insights to help you underwrite better.

Say yes faster
Simple and quick data sharing for business customers. SMB data in the right format, ready to be plugged into credit models

Automate your underwriting process
Assess automates the collection and processing of data in minutes, not hours.
How Assess works
Assess turns SMB customer data into powerful insights and surfaces them to you in the right format, ready to be plugged into your underwriting models.
Uncover insights on your customers you didn’t have before
With Assess, you get the risk ratios, eCommerce metrics, and merchant health indicators you need to understand small business health and performance.
- Accounting Profit margins
- Accounting EBITDA
- Accounting Debt service coverage ratio
- Accounting Current ratio
- Accounting Quick ratio
- Accounting Working capital
- Accounting Fixed charge coverage ratio
- Accounting Free cash flow
- Commerce Revenue growth rate
- Commerce Average order value
- Commerce Refund rate
- Commerce Customer retention rate
- Commerce Lifetime value
Easily compare small business financials
Problem
SMBs represent their accounts in many different ways, which makes comparing financials across multiple businesses hard. Extracting meaningful insights from the data is challenging and time-consuming.

Solution
Assess maps each businesses’ P&L and Balance Sheet to a single format, for every business connected to Codat.


Ensure you decision with accurate data
Assess cross-references accounting records with bank transactions to measure how accurate your customers’ data is, helping you say yes with more confidence, whilst protecting you from fraud.
Real-time accounting, commerce, and banking data from the software your customers use
Combine multiple sources of data to get a deeper understanding of your small business customers’ creditworthiness.
Built for developers, by developers
Integrating and managing multiple APIs with many different platforms does not scale. Assess offers one-to-many integrations via a universal API, one data model and no rate limits.
- Get Accounting
- Get Commerce
- Get Banking
A complete set of features to make developers’ lives easier
- A single API and API key
- Fully standardised data model
- Scheduled or on-demand data refresh
- Webhooks to manage workflow
- No rate limits, ever
- Fully-handled authorisation token generation, storage, and refresh
- Detailed docs with code snippets and examples
Learn how it can work for you
How digital lenders are using data from their customers’ financial software
When it comes to credit decisioning, SMB expectations are evolving. Access to real-time, relevant data is the only way to offer the products they now expect.