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DL-028 · Case study

Underwriting-grade Amazon financials for a revenue-based lender

A revenue-based lender needed Amazon numbers it could underwrite on. We built income and expense workbooks from finance and ads data, reconciled to Seller Central.

Client
Name withheld
Location
US South
Industry
E-commerce lender
Capabilities
03Build
01

Challenge

  • Underwriters needed seller income and expenses they could rely on.
  • Raw finance API data does not always match Seller Central.
  • Applicants had to connect Seller Central and Amazon Ads without friction.
02

Environment

  • Lender funding marketplace sellers across several Amazon regions.
  • Finances and Transactions APIs, settlements, orders, returns and ads data.
  • Output feeds the lender's own data lake and review process.
03

Intervention

  • Guided OAuth onboarding for Seller Central and Amazon Ads accounts.
  • Scheduled income and expense workbooks per seller and per ASIN.
  • Modelled failed disbursements and orders missing from the Transactions API.
  • Fast revenue lookup and support for several Amazon marketplaces.
04

Outcome

  • Figures reconcile to Seller Central within the lender's 5% threshold.
  • ASIN-level sales match Amazon's Orders report at 99%.
Sellers connect Seller Central and Amazon Ads through guided OAuth; a scheduled pipeline pulls finance, settlement, order, return and ads data, reconciles it and produces per-seller income and expense workbooks and data points for the lender's data lake.data pointsOAUTH ONBOARDINGApplicantFINANCES APITransactionsORDERS / RETURNSSettlementsADS APISpendRECONCILIATIONScheduledWORKBOOKSIncome / expenseDATA LAKELender
  1. 01OAUTH ONBOARDINGApplicantFINANCES APITransactions
  2. 02OAUTH ONBOARDINGApplicantORDERS / RETURNSSettlements
  3. 03OAUTH ONBOARDINGApplicantADS APISpend
  4. 04FINANCES APITransactionsRECONCILIATIONScheduled
  5. 05ORDERS / RETURNSSettlementsRECONCILIATIONScheduled
  6. 06ADS APISpendRECONCILIATIONScheduled
  7. 07RECONCILIATIONScheduledWORKBOOKSIncome / expense
  8. 08RECONCILIATIONScheduledDATA LAKELenderdata points
Fig. 01From marketplace data to underwriting workbookSellers connect Seller Central and Amazon Ads through guided OAuth; a scheduled pipeline pulls finance, settlement, order, return and ads data, reconciles it and produces per-seller income and expense workbooks and data points for the lender's data lake.Scale NTS

Results, as published.

≤5%
Variance to Seller Central, inside the lender's threshold
99%
ASIN sales match to the Orders report
~1 in 20
Orders in one seller-month missing from the Transactions API, caught and modelled

Stack and services.

Stack07

  • Amazon SP-API
  • Amazon Ads API
  • NestJS
  • PostgreSQL
  • React
  • AWS Lambda
  • Amazon EventBridge

Services used02

Tell us what has to work.

A senior engineer reads every brief. Describe the system, what it runs on today and what happens when it fails.

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