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How to increase card spend through better credit card underwriting practices Lending

How to increase card spend through better credit card underwriting practices

5 considerations for neobanks to improve their underwriting practices and offer higher limits with examples from Brex, Parker, Ramp, and Rho. Credit card underwriting is a…

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How does bank transaction categorization actually work? Lending

How does bank transaction categorization actually work?

Learn what happens behind the scenes of Codat’s bank transaction categorization engine. One major hurdle in using new technology to boost decision-making and efficiency in business…

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Making the most of banking data: A guide for lenders Guides

Making the most of banking data: A guide for lenders

Discover how lenders can transform banking data from a moderately useful indicator of creditworthiness into a powerful decisioning workhorse. In the fast-paced business lending industry, making…

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How to make sense of your business customers’ loan capacity Lending

How to make sense of your business customers’ loan capacity

Discover how lenders are overcoming the challenge of understanding borrowers’ debt-to-income ratios and existing liabilities. Understanding a borrower’s loan capacity is the linchpin of any effective…

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Can you really trust your customers’ accounting data? Lending

Can you really trust your customers’ accounting data?

Research shows that the data in an SMB’s books is actually more up-to-date than what’s in their publicly filed accounts or tax returns. At Codat, we…

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5 reasons you need accounting data for your liquidity assessments Banking

5 reasons you need accounting data for your liquidity assessments

Because banking data alone just doesn’t get the job done. Providing SMB credit services like corporate cards and business loans typically means carrying out a liquidity…

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How lenders can use data to get ahead in the economic downturn Data

How lenders can use data to get ahead in the economic downturn

It’s a difficult time to run a small business. Owners are being squeezed from both sides. Rising inflation has made simply operating a company more expensive,…

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How banks and lenders can improve their cost-to-income ratio Banking

How banks and lenders can improve their cost-to-income ratio

By embracing connectivity and integrating with your SMB customers’ accounting systems, you can streamline underwriting, minimize risk, and grow your overall revenue. With loan default rates…

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How lenders can support SMBs through a recession Lending

How lenders can support SMBs through a recession

In uncertain times, leveraging data across different systems can help lenders improve the customer experience and protect their bottom line. With the recent rise in inflation…

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