Company Overview
About Codat
Codat is a financial data integration platform purpose-built for fintechs, banks, and lenders that need structured access to small and medium business financial data. By connecting to accounting platforms like QuickBooks, Xero, Sage, and FreshBooks, as well as banking and commerce systems, Codat provides a normalized view of a business's financial position — including profit and loss, balance sheets, cash flow, and transaction history. This data layer powers use cases like SMB lending underwriting, accounts payable automation, financial management tools, and spend analytics.
Business Model & Competitive Advantage
The platform is used by financial institutions and fintech companies to reduce manual document collection in lending workflows, replacing PDF bank statements and tax returns with live, structured data pulled directly from source systems. Codat's data model normalizes across dozens of accounting and banking providers, so underwriters and data scientists work with consistent schemas rather than custom parsers for each data source. The platform also supports write operations, enabling products to push invoices, payments, and journal entries back into accounting systems on behalf of SMB customers.
Competitive Landscape 2025–2026
Codat has established itself as infrastructure for the SMB fintech ecosystem, counting major banks, BNPL providers, and B2B payment companies among its customers. The company is headquartered in London with a significant US presence and has raised substantial venture funding to expand its connector library and enterprise compliance capabilities. Its approach to financial data access aligns with open banking trends in the UK and EU, while its accounting integrations serve a global market of SMBs using cloud accounting software.
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Frequently Asked Questions
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