Why partner with Codat?

  • Receive accurate and up-to-date contributed accounting data from your small business customers.

  • Make faster and smarter lending decisions.

  • Deliver a more convenient and seamless experience for your customers.

  • A fully white labelled solution.

Our Lending Partners

Types of Lenders using Codat

Asset financing refers to the use of a company's balance sheet assets, including short-term investments, inventory and accounts receivable, to borrow money or get a loan. The company borrowing the funds must provide the lender with a security interest in the assets.

By accessing up-to-date, accurate contributed data from small business customers, lenders are able to get a true picture of their assets before making a lending decision as well as monitoring default risk moving forward.

This type of finance uses invoices as a way for businesses to unlock cash tied up in invoices and therefore speeding up cash flow.
By accessing up-to-date, accurate contributed data from small business customers, lenders are able to get a true picture of their customers' financial health but also the behaviour of that businesses customer's and therefore the risk associated.

Codat partners with traditional lenders helping them to better serve the small business community by delivering a seamless customer experience. Small businesses can quickly and accurately share their accounting data leading to faster, fairer and more accurate lending decisions.

Lending software providers manage lending tasks including origination, underwriting, closing and documentation. Codat partners with them to help to power their capability and deliver the best service to their clients.

Benefits of Codat for Lending

Faster and smarter underwriting

Approve more loans, more quickly with instant, up to date & complete accounting data.

Improved Customer Experience

Offer your customers the kind of digital experience they have come to expect

Monitor key default indicators

Flag key indicators early like increasing creditor pressure or concentration risk which would not show up in open banking data.

Ongoing maintenance & support

Codat maintains and monitors each connection so you don’t have to. Our developers have designed our system to make it as easy as possible to use and provide expert ongoing developer support.

Simple set-up

Codat could get you up and running in a matter of days. Our solution is faster, simpler and less expensive than building in house.

Increased coverage

Codat provides an integration with all the major accounting platforms your customers use to run their business. That means you can achieve vast market coverage all via one API.


Codat acts as a data processor when building integrations, mapping data in a standard format independent from the accounting software that your customers use.

Industry experts

Codat will work with your team to ensure a bespoke, successful and timely integration. Our experience of tackling the common issues of accounting integration will save you time and frustration.

Tailored to you

Codat enables you to define which datasets are synchronised and at what frequency.


Does Codat Push & Pull data?

Codat supports both the push and pull of from cloud and on-premise versions of customers' accounting software.

How long is the implementation process?

Speed of implementation will depend on how your company would like to use Codat’s API and the data sets it would like to push and pull that best suit your business needs and the needs of your customers. Depending on this implementation can take between 2 weeks and 2 months.

Is Codat’s offering white labelled?

Codat is a completely white labelled solution.

What support do Codat offer?

Codat provides full level 2 developer support to our clients. For end-user support we request our clients contact Codat on their behalf. If Codat needs to do further troubleshooting with the end user, this can then be arranged. Codat provides self-service support documentation which is available for our clients.

Do we handle customer onboarding?

Your customer's onboarding would be defined as level 1 support and be handled by you. Codat does provide detailed instructions for installing and configuring our offline connectors, as well as step by step troubleshooting instructions to help your team diagnose any customer issues.

Is the data secure?

Codat stores data in a Microsoft Azure database as standard, and hosting costs are included within our annual license fee. Penetration test certificate and ISO27001 compliance can be provided on request.

What regions do you cover?

Codat’s offering is international and we support the main SME accounting packages in Canada, US, UK, Australia & New Zealand, Netherlands and Hong Kong, and are looking to expand our offering in the near future .