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 connects banks and digital lenders to small business systems, helping them make more confident credit decisions.

Clock check

Accelerate data collection

Customers share their data in a few clicks. Automate the collection of financial information and use data with confidence. 

Data flow

Eliminate manual processes

Remove the need for costly, time-consuming data processing and interpretation with clean, normalized data.

User check

Accurately determine risk profile

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.

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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.

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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.

See link in action

Explore our specialized product for business lending

Codat comes pre-built with capabilities to give you a complete end-to-end solution, without needing multiple providers.

Lending API

Get insight into financial health for smarter, more efficient lending.

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Case Studies

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.”

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Data-driven underwriting

Nimbla reduces loss ratio to 24% and increases coverage by up to 3.5x.

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Faster decision-making

Enduring Planet provides term sheets to climate entrepreneurs within a week.

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