Understand your clients’ capital requirements before they do
Codat automatically collects and analyzes financial statements, receivables, payables, debt, and cash flow data from your clients’ ERP systems – delivering the complete financial picture you need to identify growth potential, build proposals, and close deals.
Three simple steps from connection to comprehension
- For your clients:A secure, simple way to share data
Your clients authorize a direct connection to their ERP system through Codat’s secure OAuth flow. Alternatively, they can upload financial files through our intelligent processor that maps any format automatically.
Setup is done in under five minutes. You immediately gain access to the full spectrum of their financial operations, including accounts receivable aging, accounts payable schedules, debt repayment schedules, outstanding balances, and daily cash positions. And it’s all enriched, standardized, and structured for you.
- For your platform:Instant insights that others miss
From there, you get real-time, data-driven insights into client finances that manual reviews can’t capture.
That includes which customers are paying late and by how much, where cash is sitting idle across accounts, where inventory is tying up working capital, when debt obligations might create refinancing windows, and how collection inefficiencies are draining liquidity.
- For real results:Advisory recommendations that resonate
Armed with insights from clients’ actual financials, your proposals can shift from generic product pitches to specific, strategic solutions. You can demonstrate exactly how much extended terms would lower their cash conversion cycle, how much a revolver would ease seasonal cash flow swings, and how much refinancing could lower the cost of capital.
Continuous monitoring also means you’re alerted whenever clients’ financial positions shift – like if a customer pays late, inventory levels spike, or debt grows overdue. That gives you an opening to reach out with timely, relevant recommendations before they think to ask.
Two ways to enhance your relationships
From weeks to minutes
to collect all the client financial data you need to build winning proposals
One request, not five
eliminating multiple touchpoints from your sales cycle for more efficient and effective data sharing
Complete insights for every treasury need
Identify opportunities sooner
Codat pulls clients’ working capital data from the ERP systems it actually lives in – including cash flows, aging schedules, payments timing, and debt repayment schedules – uncovering untapped potential that other solutions overlook.
Build more compelling business cases
Generate treasury proposals grounded in clients’ actual financial operations – so you can show them precisely how your products solve their working capital challenges with projections based on real numbers, not general industry averages.
Win more deals faster
Present treasury solutions as a strategic response to data-backed inefficiencies in clients’ operations, positioning your bank as a trusted advisor that understands their business, not just a vendor pushing products.
Expand existing relationships
Monitor clients’ financial health continuously to proactively spot emerging needs – like deteriorating collection cycles, growing cash balances, or approaching debt maturities – so you can engage with relevant treasury products before clients request them or competitors move in.
Value added across your entire treasury team
Sales specialists
Stop building proposals on assumptions, and lead every pitch with the client’s actual cash conversion cycles, collection patterns, and working capital inefficiencies. Close deals faster when prospects see you’ve analyzed their specific situation, not just delivered your generic deck.
Stop building proposals on assumptions, and lead every pitch with the client’s actual cash conversion cycles, collection patterns, and working capital inefficiencies. Close deals faster when prospects see you’ve analyzed their specific situation, not just delivered your generic deck.
Sales leaders
Equip every consultant with consistent financial intelligence across all accounts. Identify which prospects have the strongest product fit before heavy pursuit, and track pipeline quality with data on actual client financial health rather than rep assessments.
Equip every consultant with consistent financial intelligence across all accounts. Identify which prospects have the strongest product fit before heavy pursuit, and track pipeline quality with data on actual client financial health rather than rep assessments.
Relationship managers
Coordinate treasury specialists more effectively with visibility into which clients have emerging cash management, lending, or payment optimization needs. Strengthen client relationships by bringing proactive solutions to financial challenges they haven’t yet articulated.
Coordinate treasury specialists more effectively with visibility into which clients have emerging cash management, lending, or payment optimization needs. Strengthen client relationships by bringing proactive solutions to financial challenges they haven’t yet articulated.
Spend analysts
Eliminate manual data gathering and spreadsheet work, and access standardized financial data with working capital metrics pre-calculated. Spend your time building strategic recommendations rather than chasing files and reformatting exports.
Eliminate manual data gathering and spreadsheet work, and access standardized financial data with working capital metrics pre-calculated. Spend your time building strategic recommendations rather than chasing files and reformatting exports.
What you (and your clients) need to know
Codat is a consented data sharing solution that clients control, with enterprise-level security and read-only access that can be revoked at any time. Your clients are already sharing data this way with dozens of finance tools – we just make it work for commercial banking in a safe, simple way.
The status quo
You spend days or weeks pursuing quarterly statements and other documents that are outdated the moment they’re sent and introduce dangerous security risks as vulnerable email attachments.
With Codat
You get real-time access to clients’ operating financials through secure, authorized data sharing that take minutes to set up – yielding accurate, comprehensive insights that are updated continuously.
The difference is in the details
Purpose-built for treasury with deep industry expertise
Codat is designed to fit the way banks sell their treasury products, not adapted from generic enterprise tools or repurposed lending platforms. Our analysis frameworks, opportunity scoring, and reporting outputs reflect actual sales processes and the language treasury managers use with their middle-market clients.
Comprehensive coverage without the custom builds
Codat offers out-of-the-box integrations to ERP and accounting systems, plus smart file uploads that can map any export format. Your treasury team can work with any client regardless of their tech stack, without having to build and maintain individual connections.
Seamless compatibility with your existing workflows
Everything from our data sharing flows to our rich treasury reports can be used out of the box, customized to fit your bank’s brand, and dropped into your sales systems, CRMs, and presentation templates. No complex dashboards to learn or technical expertise required.
Enterprise-level security your teams and clients can trust
With Codat, you can count on built-in, bank-grade security and privacy standards – including SOC 2 Type II certification, GDPR compliance, 256-bit encryption, OAuth authentication, and read-only data access – for quick approvals, not lengthy risk negotiations.
Learn more about the future of treasury
Frequently asked questions
How do working capital insights help me win treasury business?
Most treasury sales conversations start with generic product presentations and hope something resonates. Codat’s Working Capital Insights inverts this dynamic. You lead with your client’s actual financial situation and their specific inefficiencies, then recommend products as solutions to problems you can prove exist. That means you’re no longer just selling; you’re solving. This evidence-based, data-driven approach differentiates you from competitors still working with assumptions and quarterly statement reviews.
What if clients resist sharing their financial data?
Resistance usually arises from friction, since clients actually share their financial data constantly – with their accounting platforms, expense management tools, bill payment platforms, and lending marketplaces. They feel comfortable and confident because they know those connections are simple and secure. Codat uses the same OAuth standard, takes the same few minutes to set up, and offers the same client-controlled permissions. Most clients will welcome the opportunity to share their data so you can share more strategic insights that advance their financial position. And for the small percentage who decline, our file upload feature can handle any data format they’re willing to provide – even if it’s just an exported PDF.
What specific opportunities does working capital analysis reveal?
Codat’s platform maps financial patterns to treasury product needs systematically. For example, slow receivables collection – evidenced by aging AR and lengthening DSO – could indicate lockbox or automated clearing opportunities. High days payable outstanding with strong supplier relationships could suggest supply chain financing potential. Excess cash balances beyond operating requirements could flag investment product fit. Approaching debt maturities with stable cash flows could create refinancing or term loan opportunities. Large customer concentration with variable payment behavior could point to credit insurance needs. Codat’s system doesn’t just flag these patterns – it quantifies and contextualizes them, so your proposals include calculated impact rather than just estimated benefit.
Can I tailor Codat’s solution to my bank’s products and workflows?
Yes. The connection experience, financial dashboards, and recommendation outputs are fully customizable – including branding, messaging, and terminology that all adapt to your banks’ standards. Beyond cosmetics, you can configure which metrics matter most for your treasury products, set alert thresholds that match your team’s process, and define opportunity scoring criteria based on your ideal client profile. Some banks emphasize liquidity metrics for cash management sales, while others prioritize leverage ratios for lending conversations. Codat’s platform can accommodate different treasury strategies while maintaining consistent data quality underneath.
How does monitoring work once a client is connected?
After initial authorization and connection, Codat maintains ongoing data access with the client’s permission. They control the connection and can revoke it at any time. In the meantime, our platform continuously analyzes their financial data and compares it against baseline patterns and your configured thresholds. When material changes occur, our system generates alerts to your CRM or preferred notification channels. These are contextualized triggers explaining what changed, why it matters, and which treasury solutions might address the situation. That means your team can engage in timely outreach instead of waiting for scheduled review sessions that might miss the moment.
Which systems does Codat work with?
Codat integrates with a full range of ERP and accounting platforms middle-market companies use, including NetSuite, SAP, Sage Intacct, QuickBooks, Xero, and dozens more. If a client’s financial data lives in one of these systems, we connect directly via API. For companies using niche platforms or custom systems, our upload service processes exports in any structure – including Excel, CSV, and PDF – and maps them to our standardized format automatically.
Is Codat’s data secure and compliant?
Yes. Codat maintains bank-grade, enterprise-level security standards including SOC 2 Type II certification, 256-bit encryption, and GDPR compliance. All data connections require explicit client authorization through OAuth flows, and we handle all security maintenance and updates so you can focus on growing your treasury programs with confidence.
How does this compare to traditional financial statement analysis?
Traditional analysis looks backward at aggregated quarterly results. You might see that revenue grew 12% and receivables grew 18% and infer that collections are slowing – but you can’t see which customers are paying late, by how much, or whether it’s a steady trend or an outlier. By the time you analyze Q2 statements in August, you’re making recommendations about a situation that arose in June. Codat’s Working Capital Insights operates at the transaction level with real-time data and continuous updates. You see not only that receivables grew, but that Customer X shifted from 30-day to 55-day payment patterns starting in March, that it represents $180K in delayed cash, and that five other customers show similar movements. That means your recommendations can address current reality with specific evidence – so your analysis can evolve with the business instead of just documenting past history.