Introducing the Credit Model Report
You can now access a comprehensive, data-driven assessment of a business’s financial health and creditworthiness with the Credit Model Report.
The Credit Model Report is a premium feature of Codat’s Lending product. Contact your Account Manager to request access.
What's new?
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..
The report brings together accounting and banking data into a single, structured view to support 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
For details on supported data types and integrations, see the Credit Model documentation.
Who is this relevant for?
This update is relevant for clients who require deeper insight into their customers’ accounting and banking data to 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 when traditional financial history is limited
- Dynamic risk assessment – monitor borrower health in real time or near real time, enabling more 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. Once enabled, follow the Credit Model documentation 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..