Using Accounting Data in Business Lending and Underwriting

Access SMB Financial Data to Power Lending Products

With financial data at the core of credit decisioning, Apideck enables you to access your customers’ accounting and ecommerce platforms through high-quality integrations. Whether you're building lending products or automating underwriting workflows, Apideck helps you retrieve the real-time data you need—without the integration overhead.

With Apideck’s Unified API, small business financial data flows directly from their accounting and ecommerce systems into your lending platform. Real-time access to transactions, financial statements, sales data, and liabilities helps reduce manual processes, improve data accuracy, and speed up your credit workflows.

Why Lending Integrations?

Automate credit decisioning Streamline underwriting with up-to-date P&L, balance sheets, cash flow, receivables, and liabilities pulled from trusted SMB platforms.

Accelerate your go-to-market Connect to dozens of accounting and ecommerce systems through a single Unified API and go live with integrations faster.

Enable continuous borrower monitoring Keep risk models current by refreshing data directly from source systems—no manual collection or customer chase-up required.

Reduce fraud and error Use structured, verifiable data direct from your customers’ systems of record to eliminate errors and manual inputs.

Who’s it for?

• Fintech lenders looking to power working capital, revenue-based financing, and embedded credit products
• Corporate card and spend platforms seeking to automate creditworthiness checks and underwriting
• Ecommerce platforms that want to offer capital products to merchants
• Credit and risk teams building smarter financial models with live SMB data

Apideck’s Lending Integrations

Apideck isn’t a lending provider—we're the infrastructure that powers lending. Our Unified API gives you standardized access to critical small business financial data via high-quality integrations with the tools your customers already use.

Key Features and Benefits of Apideck’s Lending Use Case

Build integrations faster One Unified API connects to multiple accounting and ecommerce platforms. Activate new integrations without extra engineering lift.

Cut development effort Skip the hassle of building and maintaining dozens of custom connectors. Apideck standardizes everything for you.

Scalable pricing Our pricing model grows with you, helping you manage integration costs while scaling your lending workflows.

How Apideck Simplifies Lending Integrations

Unified integration layer Access financial data from platforms like QuickBooks, Xero, Shopify, and Amazon Seller Central through a consistent, normalized API.

Standardized financial models Retrieve financial statements, categorized expenses, receivables, and sales data in a format optimized for lending and credit analysis.

Prebuilt authentication and data sync Handle OAuth, token refresh, and data normalization out of the box—no need to reinvent the wheel.

Supported Platforms

Accounting Integrations QuickBooks, Xero, Sage, Zoho Books, FreshBooks, NetSuite, Exact Online, FreeAgent, Dynamics 365, MYOB, and more.

Ecommerce Integrations Shopify, WooCommerce, Amazon Seller Central, BigCommerce, TikTok Shop, Etsy, and others.

How Apideck Works

1. Set Up Secure Connections Enable customers to connect their accounting or commerce platform securely using Apideck Vault.

2. Sync Data in Real-Time Retrieve financial reports, sales transactions, and liabilities in seconds—ready for underwriting and analysis.

3. Power Your Lending Flows Use retrieved data to automate affordability checks, monitor borrower health, and optimize credit decisions.

Common Types of B2B Lending

Apideck provides the integration infrastructure that can support key data flows across a wide range of B2B lending models. Depending on your use case and the platforms your customers use, Apideck can help surface the financial and operational data needed to power credit products, risk models, and onboarding workflows. Here's a wide range of B2B lending models:

• Invoice Financing Advance funds against unpaid invoices via factoring or discounting. Ideal for businesses with long receivable cycles.

• Term Loans Fixed principal and interest over a defined period. Often used for growth capital, equipment, or long-term investments.

• Line of Credit (LOC) Flexible draw-and-repay structure, ideal for managing short-term cash flow or cyclical needs.

• Merchant Cash Advance (MCA) Lump-sum capital repaid through a fixed % of daily or weekly sales. Popular with retail and POS-heavy businesses.

• Revenue-Based Financing (RBF) Repayment based on a fixed % of monthly revenue until a cap is reached. Great for SaaS and subscription-based businesses.

• Asset-Based Lending (ABL) Credit facilities secured by collateral like inventory, receivables, or equipment.

• Equipment Financing Loans or leases designed for equipment purchases, often secured by the asset itself.

• Trade Credit / Supplier Financing Short-term credit from vendors or third parties to extend payment terms. Common in B2B commerce.

• Embedded Lending Lending experiences built directly into platforms (e.g., POS, SaaS, eCommerce), using platform data to underwrite.

• B2B Buy Now, Pay Later (BNPL) Installment-based checkout financing for B2B transactions. Growing in eCommerce and procurement.

• SBA-Backed Loans (U.S.) Government-guaranteed loans issued by banks or institutions to reduce credit risk and expand lending access.

Apideck enables these models by providing access to core SMB data such as sales volume, cash flow, debt obligations, receivables, and more. Streamlining underwriting and monitoring.

Transforming Lending with Integrations

Apideck gives you the tools to build modern lending products on top of the data that matters. By offering a scalable, real-time API infrastructure, we help you reduce complexity, speed up product delivery, and enhance your risk decisioning.

Explore how Apideck can power your lending product today. View our API documentation