Go from basic conversations to valuable consultations
Stop waiting on clients to tell you what they need. Codat allows them to share live financial data that uncovers cash management gaps, working capital inefficiencies, and deposits sitting at other banks – so you can lead with solutions instead of generic product pitches.
Most treasury officers are stuck playing catch-up.
Treasury conversations often start the same way: a client mentions they’re looking into cash management options, or an RM flags an opportunity. By then, you’re already behind. You schedule discovery calls, request financial documents, and wait weeks for a response. Meanwhile, you’re pitching products without knowing if they solve real problems – or if those problems exist.
You spend your time reacting to whatever clients think they need, instead of identifying opportunities they haven’t considered.
You can lead every conversation with intelligence.
With Codat, you can instantly see how cash moves through clients’ businesses. Payment timing. Supplier relationships. Where their money sits. You stop guessing at their treasury needs and start walking into conversations with answers: where they’re leaving money on the table, how you can optimize their payment mix, what improving their cash conversion cycle could do for their business.
And if they’re holding operating balances elsewhere – well, you can talk about that, too, and make a convincing case for your service.
From connection to closed deal every time
- A new prospect reaches out
They’re exploring treasury options. Instead of scheduling the usual discovery call, you send them a secure connection link. Ten minutes later, you’re looking at three years of their payment data, cash positions, and working capital metrics. You already know their treasury setup is inefficient – and you can quantify exactly how much it’s costing them.
You call them back with a specific point of view, not a generic list of questions.
- You formulate your approach
You’re not pulling together a basic capabilities deck. You’re building a proposal on actual numbers. Your prospect’s cash conversion cycle is 47 days – here’s how optimizing payment timing could reduce it to 35. They’re making 60% of supplier payments by check – here’s the cost and risk they’re carrying. They have $4M in operating balances at two other banks – here’s why consolidating (with you) makes more sense.
Every point you make it about them and their data, not just your products.
- Your RM wants in
The relationship manager sees what you’re building and wants to understand how treasury fits into the broader strategy. You walk them through the deposit opportunity, the working capital improvements, and how this strengthens the overall banking relationship – not just your product line. Because you’re working from actual financial data, the RM can see exactly how this supports their credit relationship and retention goals.
This is how treasury becomes central to the relationship, not just another product someone sells.
- A growth opportunity appears
Your monitoring alerts you that your client has shifted 30% of payments to a new supplier category with significantly longer payment terms. You call with optimization strategies before they ask – an opportunity they weren’t aware of, but you were. Now, you’re not just their bank; you’re the partner that helps them optimize their financial operations.
This is the sort of strategic relationship your competitors keep losing.
Win the deals you haven’t even spotted yet
Qualify the right conversations faster
Not every treasury opportunity is worth your time. When you can see a prospect’s cash management upfront, you know right away whether they have meaningful treasury needs or this is a courtesy call going nowhere – so you can focus on relationships that will actually move the needle.
Walk in knowing what they need to hear
Move beyond educated guesses. Clients’ payments data, cash positions, and supplier payment patterns show you precise liquidity gaps and working capital opportunities – so you can ground recommendations in their financial realities, not just industry averages.
Find the deposits they’re keeping from you
The biggest treasury wins aren’t always the ones clients tell you about. When you can see the full picture of their cash holdings – including operating balances at other institutions – you can stop wondering about share of wallet and start arguing why those deposits should be with you.
Accelerate proposal cycles
No more back-and-forth asking for documentation, waiting on finance teams to pull reports, or building proposals on incomplete information and hoping you got it right. With Codat, you have what you need to demonstrate value on the first call – so you can beat competitors to close.
Protect and grow existing relationships
Even your best clients don’t always tell you when things change – from new suppliers and payment patterns to growing cash flow pressures. When you monitor their financial data continuously, you can spot these signals early and reach out with solutions before they start looking elsewhere.
Built for the way treasury teams actually work
Instant financial visibility
Secure connections to ERP and accounting platforms for a complete, real-time view of clients’ cash management, payment operations, and treasury structures
Payment method optimization
Current payment mix analysis identifying strategic opportunities for ACH, real-time payments, commercial card, and wires based on transaction patterns
Working capital intelligence
DPO, DSO, cash conversion cycles, and payment term opportunities to position solutions around operational improvements rather than theoretical benefits
Automated opportunity alerts
Notifications whenever financial patterns change – including new suppliers, payment shifts, and evolving cash positions – ensuring timely engagement
Cross-bank cash position analysis
Full view of operating balances across all banking relationships, eliminating guesswork and enabling more informed consolidation discussions
Treasury-ready reporting
Cash flow analysis, working capital assessments, and payment recommendations branded for your bank and ready for client presentations with no data skills required
Bank-grade security
Codat accelerates review and approval processes with enterprise-level credentials your teams can trust.
Certifications & Audits
Codat undergoes annual ISO27001 and SOC 2 Type II audits demonstrating high compliance standards.
Application Security
We offer enterprise grade security using the Azure Well-Architected Framework and provide clients with SAML SSO.
Transparency
We believe that, in the world of AI, transparency is key. We continuously maintain, update, and improve our Trust Center to provide real-time information on our products.
Data Protection
Keeping you and your customers’ data secure and accessible is at the forefront of our software design principles. We use Azure’s always-on encryption and availability zones (AZs) to maintain triple hot site availability.
Learn more about the future of treasury
Frequently asked questions
How does Codat help me hit my treasury revenue targets?
Most treasury opportunities get lost in the qualification process. You spend time on relationships that don’t have meaningful potential, or you lose deals because you can’t demonstrate specific value fast enough. Codat’s client insights resolve both problems. You qualify faster by seeing upfront whether they have treasury needs worth pursuing. And you close faster by walking into conversations with data-driven observations and recommendations that prove you understand their business. The result: you spend less time on dead ends and more time closing the opportunities that actually matter for your numbers.
What if clients don’t want to share their financial data?
Most treasury conversations require clients to share financial information eventually in some form – the question is when and how. Codat just makes the process easier and more secure than requesting and sharing spreadsheets and documents via email. Our connection takes minutes, uses the same OAuth security standards clients trust from consumer apps, and gives them complete control to adjust or revoke access to their data at any time. More importantly, you’re not asking them to do the work for you. You’re offering to help them understand their own cash management better. Position it as a value-added service you’re offering, not a favor that you need.
How does Codat help me find operating balances held at other institutions?
When you connect to a client’s ERP system, you’re seeing their full cash position – not just the accounts they hold with your bank. This reveals operating balances sitting at other financial institutions. Instead of guessing at wallet share or asking awkward questions about where else they bank, you have the data you need to say: “We can see you’re holding operating balances at X and Y. Here’s why consolidating your treasury relationship with us makes sense for your business.” That’s a very different conversation than, “Do you have accounts anywhere else that we should talk about?”
I already collect financial data from my clients. Why do I need Codat?
Manual data collection processes have three problems. First, they’re slow. Clients can take weeks to compile and send all of the documentation you need. Second, they’re incomplete. You only get what clients can find and what they think to share. Third, they’re static. Usually, the information is already stale and outdated the moment you receive it. Codat solves all three of these issues. Clients connect in minutes and share their data in real time. You get complete payment data, cash positions, and working capital metrics they’d never think to include in a manual esport. And all of the data stays current – so you’re not working with last month’s information or constantly asking your clients for updates. The difference between manual data collection and Codat is the difference between asking clients to do homework and actually helping them optimize their treasury operations.
Can this work across my entire book of business?
Yes. Codat connects to all major ERP and accounting systems, including NetSuite, SAP, QuickBooks, Xero, Sage, and dozens more. And if a client uses a platform we don’t natively support, our automated file processor can still standardize their data into the same format. This means you can deploy one consistent approach across your entire portfolio, regardless of what systems your clients use. Same process, same insights, same advisory approach – whether you’re working with a $10M company or a $500M enterprise.
How does continuous monitoring actually help me?
Treasury relationships aren’t static. Clients add new suppliers, their payment patterns shift, and their cash positions change. Problems can develop overnight. Most treasury teams only find out about these changes when clients bring them up – which might be months after they happen, if ever. Continuous monitoring flips this dynamic around. You get notified when meaningful changes occur, so you can reach out proactively with relevant solutions. This does two things: it prevents churn (because you can spot problems before they compound or clients go looking for alternatives), and it uncovers growth opportunities early (because you identify new treasury needs as they arise instead of six months later).
What about security and compliance?
Codat maintains bank-grade, enterprise-level security standards, including SOC 2 Type II certification, 256-bit encryption for all data in transit and at rest, and full GDPR compliance. All client data connections require explicit consent and authorization through OAuth – the same secure protocol clients use for apps they already know and trust. They can revoke access at any time, and you have complete audit trails in place for compliance. The bottom line? Connecting clients through Codat is significantly more secure than emailing spreadsheets and other forms back and forth, which is what often happens otherwise. We provide all the security documentation and talk tracks you need to confidently explain this to clients and to your risk team.
How does this make my team more consultative?
The problem isn’t that treasury teams don’t want to be consultative – it’s that they don’t often have the information they need to confidently back up recommendations. When you’re making recommendations based on industry benchmarks or generic best practices, you’re not really consulting. You’re suggesting. Codat changes this by giving you unmatched visibility into the specific ways each client manages their treasury operations. Now, your recommendations aren’t theoretical – they’re grounded in actual cash cycles, payment patterns, and working capital efficiencies. That’s what consultative really means: solving clients’ specific pain points and problems, rather than just pitching your standard solutions.