Smarter, more efficient lending
Automate data collection processes and make smarter risk decisions with easy access to customers' enriched financial data.
Connectivity for small business lending
Codat's universal API connects banks and digital lenders to small business systems, helping them make more confident credit decisions.
Accelerate data collection
Customers share their data in a few clicks. Automate the collection of financial information and use data with confidence.
Eliminate manual processes
Remove the need for costly, time-consuming data processing and interpretation with clean, normalized data.
Reduce default risk
Predict loan performance more accurately with a comprehensive view of customer performance across multiple channels.
"Customers can connect their accounts in minutes, allowing our risk team to review transactions instantly. The shortened application and underwriting process is huge."
Jamie Beaumont Founder of Playter ![]()
Powering the best lending solutions and providers
Powerful solutions for real world problems
Connect directly to your customers' financial data to unlock efficiencies across the origination, assessment, and servicing of small business loans.
Data you need, where you need it
Retrieve key data from borrowers in a standard format via API, spreadsheet downloads, or add via one of our loan management system partners.
Get a complete view of your customer
Build a comprehensive picture of financial performance over time. Cross-reference data from accounting, ERP, commerce, banking platforms, and more.
Reliably categorized data, every time
Access financial statements categorized by machine learning models trained on banking and accounting data from hundreds of thousands of small businesses.
One simple connection flow
96% of businesses with over 50 employees are willing to share data to access credit. Make it simple and use Codat's optimized, white-labeled Link solution or build the experience into your app.
Our products that make it possible
Codat comes pre-built with capabilities to give you a complete end-to-end solution, without needing multiple providers.
Lending with Codat
Small business lenders disburse more funds more efficiently and with lower risk when they use Codat to underwrite with up-to-date, comprehensive data.
Tech-forward financing
Ampla deploys cash in under 48 hours “without putting our bottom line at risk.”
Data-driven underwriting
Nimbla reduces loss ratio to 24% and increases coverage by up to 3.5x.
Faster decision-making
Enduring Planet provides term sheets to climate entrepreneurs within a week.