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.
Easily compare small business financials
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.
Assess maps each businesses’ P&L and Balance Sheet to a single format, for every business connected to Codat.
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.
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.
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.
Make faster, more accurate lending decisions
Learn how Assess powers digital lending