Lending: introducing Credit Model report
Access a comprehensive data-driven assessment of a business’s financial health and creditworthiness with our new Credit Model report.
The Credit Model report is a premium feature of Codat’s Lending solution. Contact your Account Manager to request access.
What's new?
Lending's new Credit Model report combines accounting and banking data into a single structured view that supports faster and more consistent underwriting decisions. It includes:
- Dashboard – a consolidated view of a borrower’s overall financial health
- Credit score – a customizable credit score aligned to the metrics most relevant to your lending criteria
- Accounting score – an assessment of the quality, completeness, and reliability of the borrower’s bookkeeping
- Financial summary – automatically spread financial statements with calculated metrics and ratios
- Bank summary – bank transaction data transformed into a cash-based profit and loss statement
- Debt summary – a breakdown of existing debt with historical and projected repayment terms
- Customer summary – receivables analysis, including terms, concentration, and payment punctuality
- Repayment summary – payables analysis, including terms, concentration, and payment punctuality
The Credit Model report is now available to download via the Codat Portal and APIAPI A set of rules and protocols that allows different software applications to communicate with each other. Codat provides APIs for accessing financial data from accounting, banking, and commerce platforms..
For details on supported data types and integrations, see the Credit model overview.
Who is this relevant for?
This update is relevant for Lending clients who require deeper insights into their customers’ data that support financial analysis and credit decisioning.
The Credit Model report is ideal for:
- SME lending: quickly assess the creditworthiness of small and medium-sized businesses, even with limited traditional financial history.
- Dynamic risk assessment: monitor borrower health in real time or near-real time for proactive risk management.
- Streamlined underwriting: reduce manual data entry and analysis to accelerate loan origination and improve operational efficiency.
How to get started?
Contact your Account Manager or our Support team to enable access to this feature. You must be using our Lending solution to leverage the Credit Model report.
Once enabled, refer to the Credit model overview to start using the report via the Portal or APIAPI A set of rules and protocols that allows different software applications to communicate with each other. Codat provides APIs for accessing financial data from accounting, banking, and commerce platforms..