diff --git a/blog/260107-accounting-score.md b/blog/260107-accounting-score.md new file mode 100644 index 000000000..38c35dcdd --- /dev/null +++ b/blog/260107-accounting-score.md @@ -0,0 +1,42 @@ +--- +title: "Lending: Accounting Score metrics via API" +date: "2026-01-07" +tags: ["Product", "Update", "Lending"] +authors: ivasiutkova +--- + +You can now assess the quality and reliability of a company’s financial data using Lending's new **Accounting Score** metrics, available via the Lending API. + + + +:::note Available as beta release +This endpoint is part of a beta release. Please contact your Account Manager if you want to enable it. +::: + +## What's new? + +The **Accounting Score** metrics are now available via API as part of Codat’s [Lending](/lending/overview) solution. The score provides a high-level quality assessment of a company’s accounting data across five dimensions: + +- **Data completeness** checks whether all required financial statements and documentation are available. +- **Data accuracy** identifies errors and anomalies. +- **Data consistency** ensures consistent application of accounting principles over time. +- **Data presentation** ensures the clarity and readability of financial data. +- **Accounting practices** verify alignment with GAAP standards. + +In addition to the overall score, the API identifies the **top three accounting issues** for a company, allowing lenders to quickly focus on the most impactful risks. This helps lenders: + +- Understand the reliability of borrower data earlier in the underwriting process. +- Reduce manual review by highlighting the key accounting concerns upfront. +- Make more confident, efficient credit risk decisions. + +The Accounting Score is available across all accounting integrations supported by the [Lending](/lending/overview) solution. + +## Who is this relevant for? + +This update is relevant for Lending clients who need deeper insights into their customers’ data that support financial analysis and credit decisioning. + +## How to get started? + +Contact your **Account Manager** or our **Support Team** to enable this feature. You must be using our Lending solution to leverage the **Accounting Score** metrics. + +Once enabled, refer to [Get financial summary](/lending-api#/operations/get-financial-summary) documentation to use the metrics in your application. diff --git a/blog/260107-credit-model.md b/blog/260107-credit-model.md new file mode 100644 index 000000000..83b00bfa4 --- /dev/null +++ b/blog/260107-credit-model.md @@ -0,0 +1,47 @@ +--- +title: "Lending: introducing Credit Model report" +date: "2026-01-07" +tags: ["Product", "Update", "Lending"] +authors: ivasiutkova +--- + +Access a comprehensive data-driven assessment of a business’s financial health and creditworthiness with our new **Credit Model report**. + + + +:::note Premium feature +The Credit Model report is a premium feature of Codat’s [Lending](/lending/overview) 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 **API**. + +For details on supported data types and integrations, see the [Credit model overview](/lending/premium-products/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](/lending/premium-products/credit-model-overview#get-started) to start using the report via the Portal or API.