Merge pull request #1744 from codatio/MED-480-lending-productupdates

MED-480 Medici product updates

Author: pzaichkina

blog/260107-accounting-score.md

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+---
+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 Lending's new **Accounting Score** metrics, available via the Lending API.
+
+<!--truncate-->
+
+:::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** 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:
+
+- **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.
+
+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:
+
+- 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 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. 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.

blog/260107-credit-model.md

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+---
+title: "Lending: introducing Credit Model report"
+date: "2026-01-07"
+tags: ["Product", "Update", "Lending"]
+authors: ivasiutkova
+---
+
+Access a comprehensive data-driven assessment of a business’s financial health and creditworthiness with our new **Credit Model report**.
+
+<!--truncate-->
+
+:::note Premium feature
+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?
+
+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  
+- **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  
+
+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 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 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 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.