aid: withclutch
name: Clutch
description: 'Clutch (withclutch.com) is a US fintech that builds digital origination
  and lending automation software exclusively for credit unions. The platform spans
  consumer loan origination, deposit and business account opening, an omnichannel banker
  workstation (Fulfillment), an automated decisioning engine (Fastlane), targeted remarketing,
  data insights, and AI assistants — HAL for lending and Emma for collections — packaged
  as the Clutch Lending Automation System (LAS). Clutch integrates with credit union
  cores, loan origination systems such as MeridianLink Consumer LOS (LoansPQ), digital
  banking platforms and decisioning vendors, and reports powering origination for roughly
  150 credit unions including six of the ten largest in the United States. Its customer-facing
  data surface is a File Transfer API and SFTP delivery for daily CSV exports covering
  lending, account opening, funding, NACHA and HAL conversation datasets; the API reference
  itself sits behind the customer support login.'
image: https://withclutch.com/wp-content/uploads/2025/07/Clutch.svg
url: https://raw.githubusercontent.com/api-evangelist/withclutch/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.23'
created: '2026-08-05'
modified: '2026-08-05'
tags:
- Company
- Credit Unions
- Lending
- Loan Origination
- Account Opening
- Financial Services
- Fintech
- Banking
- Data Exports
apis:
- name: Clutch Data Exports File Transfer API
  description: 'Clutch delivers daily origination datasets to credit union customers
    over either SFTP or a File Transfer API. The public knowledge base documents the
    datasets (lending, account opening, funding, NACHA, HAL), their field-level data
    dictionaries, the CSV format (pipe-delimited, double-quoted) and the 11:00 UTC
    daily generation cadence with one-week retention. The File Transfer API reference
    article itself requires a customer support login, so no base URL, authentication
    scheme or endpoint list is publicly readable and no machine-readable spec is published.'
  humanURL: https://support.withclutch.com/support/solutions/articles/153000254486-data-exports-api-vs-sftp-delivery
  tags:
  - Data Exports
  - File Transfer
  - Reporting
  properties:
  - type: DataModel
    url: data-model/withclutch-data-exports.yml
  - type: JSONSchema
    url: json-schema/_index.yml
  x-access: customer-only
  x-evidence:
    fetched: '2026-08-05'
    public_overview:
      url: https://support.withclutch.com/support/solutions/articles/153000254486-data-exports-api-vs-sftp-delivery
      http_status: 200
    gated_reference:
      url: https://support.withclutch.com/support/solutions/articles/153000248800
      http_status: 302
      redirects_to: https://support.withclutch.com/support/login
      error: login_required
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://withclutch.com/
- type: Documentation
  url: https://support.withclutch.com/support/solutions
- type: Support
  url: https://support.withclutch.com/support/home
- type: Blog
  url: https://withclutch.com/resources/blog/
- type: GitHubOrganization
  url: https://github.com/withclutch
- type: TermsOfService
  url: https://withclutch.com/terms-of-service/
- type: PrivacyPolicy
  url: https://withclutch.com/privacy-policy/
- type: Security
  url: https://withclutch.com/security/
- type: StatusPage
  url: https://status.withclutch.com/
- type: Compliance
  url: https://trust.withclutch.com/
- type: LinkedIn
  url: https://www.linkedin.com/company/withclutch/
- type: SecondaryMarket
  url: https://forgeglobal.com/withclutch_stock/
- type: LLMsTxt
  url: llms/withclutch-llms.txt
- type: DomainSecurity
  url: security/withclutch-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/withclutch-vulnerability-disclosure.yml
- type: TrustCenter
  url: security/withclutch-trust-center.yml
- type: Lifecycle
  url: lifecycle/withclutch-lifecycle.yml
- type: Conformance
  url: conformance/withclutch-conformance.yml
- type: DataModel
  url: data-model/withclutch-data-exports.yml
x-enrichment:
  date: '2026-08-05'
  status: enriched
  artifacts_added: 14
  pass: local-v1
x-coverage:
  state: gated
  reason: customer-only-docs
  detail: >-
    Clutch's public knowledge base documents a File Transfer API and publishes full field
    dictionaries for its five daily data exports, but the File Transfer API reference article
    itself 302s to the Freshdesk customer login (error=login_required), so no base URL,
    authentication scheme, endpoint list or machine-readable spec is publicly readable.
  evidence:
    - url: https://support.withclutch.com/support/solutions/articles/153000248800
      status: 302
    - url: https://support.withclutch.com/support/solutions/articles/153000254486-data-exports-api-vs-sftp-delivery
      status: 200
    - url: https://api.clutch.partners/openapi.json
      status: 404
    - url: https://withclutch.com/openapi.json
      status: 404
  checked: '2026-08-05'