Speed up underwriting
Customers share their data in a few clicks. Automate more decisions and get data to underwriters in minutes.
Approve more customers
See the complete picture of every business. Use real-time data shared from the systems your customers use every day.
Reduce default risk
Predict small business loan performance more accurately with comprehensive, high-quality data.
One simple connection flow
96% of businesses with over 50 employees are willing to share data to access credit.
- Optimized for conversion
- Secure authentication
Reliably categorized banking data
Access bank transactions categorized by a machine learning model trained on banking and accounting data from hundreds of thousands of small businesses.
A complete view of every business
Access and cross-reference data from accounting, ERP, eCommerce, payments, Point-of-Sale, subscription platforms, and more.
Already integrated with your lending stack
Access data in a standard format via API, spreadsheet downloads, or within your existing tools.
Small business lenders use Codat to disburse more funds faster and with lower risk
Ampla deploys cash in under 48 hours “without putting our bottom line at risk.”
Trade credit and insurance
Nimbla reduces loss ratio from 50% to 24% and increases coverage for users by up to 3.5X.
Invoice finance and flexible payments
Playter automates more credit decisions with 99% accuracy when customers “connect in minutes.”
Enduring Planet provides term sheets to climate entrepreneurs within a week.