How to lend with confidence beyond 2020

Business lending has transformed on both sides of the Atlantic. For lenders - managing their new, vast portfolios efficiently as well as minimising defaults and fraud will be a significant challenge during these turbulent times.

Based on our depth of knowledge and partnerships in the industry, this report explores seven key areas which lenders must address when planning for the new lending landscape beyond 2020:

Accelerating digital transformation

Improving operational efficiency

Better understanding credit risk

Increasing portfolio size

Improving ongoing visibility of portfolio

Fraud prevention

Increasing customer engagement


How does Codat help reduce fraud for clients?

Codat can help reduce fraud by directly connecting to the financial systems used by small businesses, ensuring you receive data in its purest form and free of alterations or embellishments.

How does Codat help reduce credit risk?

Better understanding of credit risk is more important than ever. Codat can help by providing access to our easy to consume portal that uses real-time data to expose the key credit risk trends and performance indicators of a business.

How does Codat improve ongoing visibility of your portfolio?

Codat can help to improve your ongoing visibility of a portfolio by offering valuable insights into the risk exposures of your entire loan book and by providing access to up-to-date contributed date from multiple sources.

How can Codat increase your portfolio size? 

Codat can increase your portfolio size by providing ongoing access to customer data allowing you to benefit from peace of mind, especially for loans that have traditionally been considered sub-prime.

Why does operational efficiency matter and how does Codat help?

Lack of efficiency holds back innovation and slows down time and money, as well as being a financial drain on the lender. Codat can help by streamlining the process of collecting borrower information by automating the pulling of data at set frequencies.