Codat
Universal API into SMB accounting and banking data
4.2Enterprise / CustomBest for Firms building automated SMB financial-data pipelines
API Financial Data Developer
Overview
Codat provides a universal API connecting to SMB accounting, banking and commerce platforms (QuickBooks, Xero, NetSuite, Sage and others), used by lenders and fintechs to underwrite and monitor businesses from live source data. For diligence on SMB targets and portfolio credit monitoring, it delivers normalized financials programmatically instead of via document requests.
Key features
- Single API across accounting, banking and commerce data
- Normalized financial statements from live ledgers
- Continuous monitoring after initial pull
- ISO 27001 and SOC 2 Type II audited
- Developer-grade docs and SDKs
Pros
- Live, normalized data beats stale management accounts
- Strong developer experience for building internal tools
- Bank-grade compliance posture
Cons
- An API, not an end-user diligence app — needs building
- Focused on SMB systems; weak fit for enterprise ERPs