Assess

Make smarter credit decisions on your small business customers

Get a 360° view of your small business customers’ financial health. Assess enriches your customers' real-time accounting, commerce, and banking data and surfaces actionable insights you didn't have before.

Get smarter insights

Assess enriches your SMB customers' data and produces 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

Launch new products faster

Access to real-time data with the ratios and metrics you need to launch new products faster

How Assess works

Assess turns SMB customer data into powerful insights and surfaces them to you in the right format.

1. Your SMB customers share their data

Your customers share their real-time accounting, commerce, and banking data from the software they use, via one link.

2. Data is enriched

Assess transforms customer data into actionable insights for credit decisions.

3. Calculates metrics

Assess produces financial ratios and sales analysis metrics, ready for decisioning.

Enhanced financial statements

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.

Data Integrity

Catch your customers' data inaccuracies

Assess cross-references accounting data with banking data to measure how accurate your customers’ data is, helping you say yes with more confidence, whilst protecting you from fraud.

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
Resources

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.

Make faster, more accurate lending decisions

Learn how Assess powers digital lending