From d6387a8fe3732100d6cbe3f77d3d5eccd5b5f63c Mon Sep 17 00:00:00 2001 From: ivasiutkova <134383523+ivasiutkova@users.noreply.github.com> Date: Wed, 7 Jan 2026 12:43:42 +0000 Subject: [PATCH 1/8] 1st draft --- blog/260107-accounting-score.md | 42 +++++++++++++++++++++++++++++++++ 1 file changed, 42 insertions(+) create mode 100644 blog/260107-accounting-score.md diff --git a/blog/260107-accounting-score.md b/blog/260107-accounting-score.md new file mode 100644 index 000000000..eee166ba5 --- /dev/null +++ b/blog/260107-accounting-score.md @@ -0,0 +1,42 @@ +--- +title: "Introducing 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 the **Accounting Score**, available via 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** is now available via API as part of Codat’s [Lending](/lending/overview) solution. +The score provides a high-level assessment of the quality of a company’s accounting data across five key dimensions: +- **Data completeness** – whether all required financial statements and documentation are available +- **Data accuracy** – identification of errors or anomalies +- **Data consistency** – consistent application of accounting principles over time +- **Data presentation**– clarity and understandability of financial data +- **Accounting practices** – alignment with GAAP standards + +In addition to the overall score, the API surfaces the **top three accounting issues** identified for a company, allowing lenders to quickly focus on the most impactful risks. + +This helps lenders: +- Understand the reliability of borrower data earlier in underwriting +- Reduce manual review by highlighting key accounting concerns upfront +- Make more confident, efficient credit risk decisions + +The Accounting Score is available across all supported accounting integrations. + +## Who is this relevant for? + +This update is relevant for clients who need deeper insight into the quality of their customers’ accounting data to support financial analysis and credit decisioning. + +## How to get started? + +Contact your **Account Manager** or our **support team** to enable this feature. +Once enabled, follow our [API documentation](/lending-api#/operations/get-financial-summary) to implement the Accounting score into your application. From 69df0f3473ffa82d6ed2b871ee77db7bde3c37c3 Mon Sep 17 00:00:00 2001 From: ivasiutkova <134383523+ivasiutkova@users.noreply.github.com> Date: Wed, 7 Jan 2026 13:29:16 +0000 Subject: [PATCH 2/8] credit model update --- blog/260107-credit-model.md | 40 +++++++++++++++++++++++++++++++++++++ 1 file changed, 40 insertions(+) create mode 100644 blog/260107-credit-model.md diff --git a/blog/260107-credit-model.md b/blog/260107-credit-model.md new file mode 100644 index 000000000..d85349f3c --- /dev/null +++ b/blog/260107-credit-model.md @@ -0,0 +1,40 @@ +--- +title: "Introducing the Credit Model Report" +date: "2026-01-07" +tags: ["Product", "Update", "Lending"] +authors: ivasiutkova +--- + +You can now access a comprehensive, data-driven assessment of a business’s financial health and creditworthiness with the **Credit Model Report**. + + + +:::note Premium feature +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 **API**. + +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](/lending/premium-products/credit-model-overview). + +## 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. + +## How to get started? + +Contact your **Account Manager** or our **Support team** to enable access. +Once enabled, follow the [Credit Model documentation](/lending/premium-products/credit-model-overview#get-started) to start using the report via the Portal or API. \ No newline at end of file From 4cc2b582554793082a00dc176e9adbf39d30b383 Mon Sep 17 00:00:00 2001 From: ivasiutkova <134383523+ivasiutkova@users.noreply.github.com> Date: Wed, 7 Jan 2026 15:32:41 +0000 Subject: [PATCH 3/8] added extra into who is this relevant for --- blog/260107-credit-model.md | 4 ++++ 1 file changed, 4 insertions(+) diff --git a/blog/260107-credit-model.md b/blog/260107-credit-model.md index d85349f3c..0d7b4e33d 100644 --- a/blog/260107-credit-model.md +++ b/blog/260107-credit-model.md @@ -33,6 +33,10 @@ For details on supported data types and integrations, see the [Credit Model docu ## 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? From 4e714820d3f382d5f5e7b82e0878ce975930865a Mon Sep 17 00:00:00 2001 From: ivasiutkova <134383523+ivasiutkova@users.noreply.github.com> Date: Wed, 7 Jan 2026 15:41:29 +0000 Subject: [PATCH 4/8] added extra space --- blog/260107-credit-model.md | 1 + 1 file changed, 1 insertion(+) diff --git a/blog/260107-credit-model.md b/blog/260107-credit-model.md index 0d7b4e33d..8f31bba73 100644 --- a/blog/260107-credit-model.md +++ b/blog/260107-credit-model.md @@ -33,6 +33,7 @@ For details on supported data types and integrations, see the [Credit Model docu ## 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 From fc5f34f42b7087d38ab9ea6d0f4a955251a0aac1 Mon Sep 17 00:00:00 2001 From: ivasiutkova <134383523+ivasiutkova@users.noreply.github.com> Date: Wed, 7 Jan 2026 15:43:21 +0000 Subject: [PATCH 5/8] Update blog/260107-accounting-score.md Co-authored-by: Copilot <175728472+Copilot@users.noreply.github.com> --- blog/260107-accounting-score.md | 2 +- 1 file changed, 1 insertion(+), 1 deletion(-) diff --git a/blog/260107-accounting-score.md b/blog/260107-accounting-score.md index eee166ba5..d8deae1f5 100644 --- a/blog/260107-accounting-score.md +++ b/blog/260107-accounting-score.md @@ -20,7 +20,7 @@ The score provides a high-level assessment of the quality of a company’s accou - **Data completeness** – whether all required financial statements and documentation are available - **Data accuracy** – identification of errors or anomalies - **Data consistency** – consistent application of accounting principles over time -- **Data presentation**– clarity and understandability of financial data +- **Data presentation** – clarity and understandability of financial data - **Accounting practices** – alignment with GAAP standards In addition to the overall score, the API surfaces the **top three accounting issues** identified for a company, allowing lenders to quickly focus on the most impactful risks. From 9503ef47c9144eb6dd21ebc030fe60195daba1f7 Mon Sep 17 00:00:00 2001 From: ivasiutkova <134383523+ivasiutkova@users.noreply.github.com> Date: Wed, 7 Jan 2026 15:43:35 +0000 Subject: [PATCH 6/8] Update blog/260107-accounting-score.md Co-authored-by: Copilot <175728472+Copilot@users.noreply.github.com> --- blog/260107-accounting-score.md | 2 +- 1 file changed, 1 insertion(+), 1 deletion(-) diff --git a/blog/260107-accounting-score.md b/blog/260107-accounting-score.md index d8deae1f5..10cbae7ce 100644 --- a/blog/260107-accounting-score.md +++ b/blog/260107-accounting-score.md @@ -38,5 +38,5 @@ This update is relevant for clients who need deeper insight into the quality of ## How to get started? -Contact your **Account Manager** or our **support team** to enable this feature. +Contact your **Account Manager** or our **Support Team** to enable this feature. Once enabled, follow our [API documentation](/lending-api#/operations/get-financial-summary) to implement the Accounting score into your application. From 0cc56c0c62845565f44f50062b92b88667301057 Mon Sep 17 00:00:00 2001 From: Polina <112084241+pzaichkina@users.noreply.github.com> Date: Wed, 7 Jan 2026 23:14:29 +0000 Subject: [PATCH 7/8] Revise Credit Model report details and title Updated the title and improved the clarity of the Credit Model report description. Enhanced the details regarding its features and relevance for Lending clients. --- blog/260107-credit-model.md | 30 ++++++++++++++++-------------- 1 file changed, 16 insertions(+), 14 deletions(-) diff --git a/blog/260107-credit-model.md b/blog/260107-credit-model.md index 8f31bba73..83b00bfa4 100644 --- a/blog/260107-credit-model.md +++ b/blog/260107-credit-model.md @@ -1,23 +1,21 @@ --- -title: "Introducing the Credit Model Report" +title: "Lending: introducing Credit Model report" date: "2026-01-07" tags: ["Product", "Update", "Lending"] authors: ivasiutkova --- -You can now access a comprehensive, data-driven assessment of a business’s financial health and creditworthiness with the **Credit Model Report**. +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 product. Contact your Account Manager to request access. +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? -The **Credit Model Report** is now available to download via the Codat **Portal** and **API**. - -The report brings together accounting and banking data into a single, structured view to support faster and more consistent underwriting decisions. It includes: +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 @@ -28,18 +26,22 @@ The report brings together accounting and banking data into a single, structured - **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](/lending/premium-products/credit-model-overview). +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 clients who require deeper insight into their customers’ accounting and banking data to support financial analysis and credit decisioning. +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 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 +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. -Once enabled, follow the [Credit Model documentation](/lending/premium-products/credit-model-overview#get-started) to start using the report via the Portal or API. \ No newline at end of file +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. From 864e8f431ee172ce37c2a912cc44e0d4baa675bb Mon Sep 17 00:00:00 2001 From: Polina <112084241+pzaichkina@users.noreply.github.com> Date: Wed, 7 Jan 2026 23:29:11 +0000 Subject: [PATCH 8/8] Revise Accounting Score metrics details for Lending API Updated the title and enhanced the description of the Accounting Score metrics available via the Lending API. Clarified the benefits and usage instructions for clients. --- blog/260107-accounting-score.md | 38 ++++++++++++++++----------------- 1 file changed, 19 insertions(+), 19 deletions(-) diff --git a/blog/260107-accounting-score.md b/blog/260107-accounting-score.md index 10cbae7ce..38c35dcdd 100644 --- a/blog/260107-accounting-score.md +++ b/blog/260107-accounting-score.md @@ -1,42 +1,42 @@ --- -title: "Introducing Accounting Score Metrics via API" +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 the **Accounting Score**, available via API. +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. +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** is now available via API as part of Codat’s [Lending](/lending/overview) solution. -The score provides a high-level assessment of the quality of a company’s accounting data across five key dimensions: -- **Data completeness** – whether all required financial statements and documentation are available -- **Data accuracy** – identification of errors or anomalies -- **Data consistency** – consistent application of accounting principles over time -- **Data presentation** – clarity and understandability of financial data -- **Accounting practices** – alignment with GAAP standards +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: -In addition to the overall score, the API surfaces the **top three accounting issues** identified for a company, allowing lenders to quickly focus on the most impactful risks. +- **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. -This helps lenders: -- Understand the reliability of borrower data earlier in underwriting -- Reduce manual review by highlighting key accounting concerns upfront -- Make more confident, efficient credit risk decisions +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: -The Accounting Score is available across all supported accounting integrations. +- 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 clients who need deeper insight into the quality of their customers’ accounting data to support financial analysis and credit decisioning. +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. -Once enabled, follow our [API documentation](/lending-api#/operations/get-financial-summary) to implement the Accounting score into your application. +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.