Clutch Data Exports File Transfer API

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