Rutter is a unified API connecting to 75+ commerce, accounting, payments, and ads platforms, giving lenders verified seller transaction, payout, and account-health data for underwriting instead of self-reported financials.
About Rutter
Rutter is a unified API that connects to 75+ commerce, accounting, payments, and ads platforms — including Amazon, Shopify, Etsy, Walmart, QuickBooks, NetSuite, and Stripe — through a single integration and data model. Rather than building and maintaining dozens of one-off platform integrations, Rutter normalizes seller and business financial data (orders, payouts, P&L, account health) behind one API and webhook layer, so lending platforms can pull real, verified commerce activity instead of relying on self-reported financials.
Ideal use cases
Underwriting e-commerce and SMB sellers using real transaction, payout, and P&L data instead of self-reported revenue.
Monitoring ongoing account health and policy-violation risk on marketplaces like Amazon as a leading indicator of borrower risk.
Automating cash flow and customer-retention analysis — repeat purchase rate, average LTV — for working capital and revenue-based financing products.
Example workflows with LendAPI
Add Rutter as a Connect + Sync step pair in any LendAPI Product Builder flow, gating progression on Rutter's INITIAL_UPDATE webhook so applications only advance once verified historical data has synced — configurable per client for whichever commerce platform they need (Amazon, Shopify, Etsy, Walmart, and others Rutter supports).
Surface synced data as decision variables anywhere in a client's underwriting logic: monthly P&L and gross sales, payout/settlement timing, customer repeat rate and LTV, or platform-specific risk signals like Amazon account health and policy violations — each lender can wire up the specific combination that fits their product.
Apply it across multiple product types, not just e-commerce financing — working capital, revenue-based financing, invoice factoring, or any product where verified seller cash flow matters — since the data model isn't tied to any one client's current setup.
For more information please visit www.rutter.com
Contact @ Rutter
Arslan Awan, Solutions Lead | Email: arslan@rutterapi.com
