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MCP Tools Reference

SecureLend provides 20 tools through Model Context Protocol for financial product comparison and application management. Server URL: https://mcp.securelend.ai/mcp
All comparison tools are read-only and require no authentication. Application submission tools require user consent.

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Loan Comparison Tools

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compare_personal_loans

Compare personal loan offers based on amount, credit score, and purpose.
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loanAmount
number
required
Desired loan amount in USD. Range: 1,000−1,000 - 100,000 Example: 25000 for $25,000
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purpose
enum
required
Purpose of the loan Options: - debt_consolidation - Consolidate credit card or other debt - home_improvement - Home repairs or renovations - major_purchase - Large purchases (appliances, furniture, etc.) - medical - Medical expenses - vacation - Travel and vacation expenses - other - Other purposes
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creditScore
number
Applicant’s credit score. Range: 300-850 Example: 720
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employmentStatus
enum
Employment status Options: employed, self_employed, retired, unemployed
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monthlyIncome
number
Gross monthly income in USD Example: 5000
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state
string
State of residence (2-letter code) Example: CA, NY, TX
Example Query: 
Compare personal loans for $25,000 for debt consolidation
with a 720 credit score in California.
Response: Array of loan offers with interest rates, monthly payments, terms, and lender details.

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compare_business_loans

Compare business loan offers based on amount, revenue, and industry.
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loanAmount
number
required
Desired loan amount in USD. Minimum: 1,000Example:‘200000‘for1,000 Example: `200000` for 200,000
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purpose
string
required
Reason for the loan Examples: working capital, equipment, expansion, inventory, real estate
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annualRevenue
number
Business’s gross annual revenue in USD Example: 1200000 for $1.2M
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industry
string
Industry the business operates in Examples: technology, retail, restaurant, construction, healthcare
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state
string
State where business is located (2-letter code)
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creditScore
number
Business owner’s personal credit score (300-850)
Example Query: 
I need a $200,000 business loan for equipment. My business
has $1.2M annual revenue in the technology industry.
Response: Business loan offers with rates, terms, approval likelihood, and requirements.

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compare_car_loans

Compare auto loan rates for new and used vehicles.
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loanAmount
number
required
Desired auto loan amount. Range: 1,000−1,000 - 100,000
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isNew
boolean
required
Whether the vehicle is new or used - true - New vehicle - false - Used vehicle
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creditScore
number
Applicant’s credit score (300-850)
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state
string
State of residence (2-letter code)
Example Query: 
Compare auto loans for a $35,000 new car with a 750 credit score.

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compare_student_loans

Compare student loan options by degree type and amount.
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loanAmount
number
required
Total loan amount needed. Range: 1,000−1,000 - 250,000
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degreeType
enum
required
Type of degree program Options: undergraduate, graduate, mba, medical, law
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creditScore
number
Student’s credit score (300-850)
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coSignerCreditScore
number
Co-signer’s credit score, if applicable (300-850)
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state
string
State of residence (2-letter code)
Example Query: 
Compare student loans for $50,000 for an MBA program with a
680 credit score and a co-signer with 750 credit.

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compare_personal_mortgages

Compare mortgage rates and terms for home purchases.
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loanAmount
number
required
Desired mortgage amount. Range: 50,000−50,000 - 2,000,000
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loanType
enum
required
Type of mortgage Options: conventional, fha, va, jumbo, refinance
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homePrice
number
Purchase price of the home. Range: 50,000−50,000 - 5,000,000
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downPayment
number
Down payment amount in USD
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creditScore
number
Applicant’s credit score. Range: 500-850
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propertyType
enum
Intended use of property Options: primary, secondary, investment
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state
string
State where property is located
Example Query: 
Compare conventional mortgages for a $400,000 home with
20% down and a 720 credit score in California.

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compare_business_mortgages

Compare commercial mortgage options for business properties.
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loanAmount
number
required
Desired commercial mortgage amount
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loanType
enum
required
Type of commercial mortgage Options: conventional, fha, va, jumbo, refinance
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homePrice
number
Purchase price of commercial property
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downPayment
number
Down payment amount
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creditScore
number
Business owner’s credit score (500-850)
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propertyType
enum
Property type Options: primary, secondary, investment
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state
string
State where property is located

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Banking & Credit Card Tools

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compare_personal_banking

Compare checking and savings account options.
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features
array
Desired account features Examples: no_monthly_fees, high_interest, mobile_deposit, atm_access
Example Query: 
Compare personal checking accounts with no monthly fees
and mobile deposit.

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compare_business_banking

Compare business checking and banking services.
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industry
string
Business industry
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monthlyTransactions
number
Estimated number of monthly transactions
Example Query: 
Compare business checking accounts for a retail business
with about 200 transactions per month.

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compare_savings_accounts

Compare high-yield savings account rates.
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initialDeposit
number
Initial deposit amount in USD
Example Query: 
Compare high-yield savings accounts with a $10,000 initial deposit.

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compare_personal_credit_cards

Compare personal credit card offers by rewards type.
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creditScore
number
Applicant’s credit score (300-850)
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rewardsType
enum
Preferred rewards type Options: cash_back, travel, points
Example Query: 
Compare cash back credit cards for someone with a 750 credit score.

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compare_business_credit_cards

Compare business credit card options.
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creditScore
number
Applicant’s credit score (300-850)
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annualRevenue
number
Business annual revenue in USD
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businessAgeInYears
number
How long the business has been operating
Example Query: 
Compare business credit cards for a company with $1M revenue
and 3 years in business.

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Calculator Tools

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calculate_loan_payment

Calculate monthly payment for any loan.
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loanAmount
number
required
Total loan amount in USD
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interestRate
number
required
Annual interest rate as percentage (e.g., 5 for 5%)
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loanTermInMonths
number
required
Loan duration in months
Example Query: 
Calculate monthly payment for $200,000 at 7.5% APR over 60 months.
Response:
  • Monthly payment amount
  • Total interest paid
  • Total amount paid
  • Amortization details

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calculate_mortgage_payment

Calculate PITI mortgage payment (Principal, Interest, Taxes, Insurance).
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propertyValue
number
required
Total property value in USD
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downPayment
number
required
Down payment amount in USD
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interestRate
number
required
Annual interest rate (e.g., 6.5 for 6.5%)
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loanTermInYears
number
required
Loan term in years (typically 15 or 30)
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propertyTaxRate
number
required
Annual property tax rate as percentage (e.g., 1.2 for 1.2%)
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homeInsurance
number
required
Annual home insurance cost in USD
Example Query: 
Calculate mortgage payment for $400,000 home with $80,000 down,
6.5% interest, 30 years, 1.2% property tax, and $1,500 annual insurance.
Response:
  • Monthly principal & interest
  • Monthly property taxes
  • Monthly insurance
  • Total monthly PITI payment
  • Total interest over loan term

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compare_lease_vs_purchase

Compare total costs of leasing vs buying a vehicle.
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purchasePrice
number
required
Total purchase price of vehicle
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downPayment
number
required
Down payment for purchase
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interestRate
number
required
Annual interest rate for purchase loan
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loanTermInMonths
number
required
Loan term in months for purchase
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monthlyLeasePayment
number
required
Monthly lease payment amount
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leaseTermInMonths
number
required
Lease term in months
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moneyFactor
number
required
Money factor for lease (similar to interest rate)
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residualValuePercentage
number
required
Estimated residual value as percentage of MSRP (0-100)
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salesTaxRate
number
required
Sales tax rate as percentage
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expectedOwnershipInMonths
number
required
How long you plan to keep the vehicle
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acquisitionFee
number
Lease acquisition fee (default: 0)
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securityDeposit
number
Lease security deposit (default: 0)
Example Query: 
Compare leasing vs buying a $35,000 car. Lease is $450/month for
36 months. Purchase with $5,000 down at 6% for 60 months. I plan
to keep it for 5 years.
Response:
  • Total cost of leasing
  • Total cost of purchasing
  • Cost difference
  • Recommendation based on ownership period

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Application Management Tools

These tools handle sensitive user data and require explicit user consent before execution.

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get_offer

Submit loan application to a selected lender.
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applicant
object
required
Applicant personal details Properties: - firstName (required) - First name - lastName (required) - Last name - email (required) - Email address - phone (optional) - Phone number
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applicationData
object
required
Original loan search parameters
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productType
enum
required
Type of financial product Options: INSTALLMENT_LOAN, MORTGAGE, AUTO_LOAN, STUDENT_LOAN, BUSINESS_LOAN, PERSONAL_CREDIT_CARD, BUSINESS_CREDIT_CARD
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provider
object
required
Selected lender Properties: - providerId (required) - Lender ID from comparison results - providerName (required) - Lender name
Example Usage: 
User confirms they want to apply to "ABC Business Capital"
after seeing comparison results. The AI collects required
personal information and submits the application.

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get_multiple_offers

Submit application to multiple lenders simultaneously.
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applicant
object
required
Applicant personal details (same as get_offer)
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applicationData
object
required
Original loan search parameters
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productType
enum
required
Type of financial product
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providers
array
required
List of selected lenders (minimum 1) Each provider object requires: - providerId - providerName

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track_offer_status

Check status of submitted applications.
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applicationId
string
Unique application ID to track
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email
string
Applicant’s email to find all applications
Example Query: 
Check the status of my loan application for john@example.com
Response:
  • Application status (pending, approved, denied, etc.)
  • Last update timestamp
  • Next steps
  • Contact information

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display_offer_form

Generate pre-filled application form for user review.
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offerId
string
Specific offer ID to pre-select
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sessionId
string
Session ID from previous search
Usage: Retrieves cached offer details to display in a form format.

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display_upload_documents_form

Present interface for uploading required documents.
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applicationId
string
Application ID to associate documents with
Usage: Shows document upload interface for bank statements, tax returns, ID, etc.

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submit_documents

Generate secure upload URL for application documents.
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applicationId
string
required
Application ID
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documentType
enum
required
Category of document Options: - bank-statement - tax-return - identity-document - proof-of-income - business-license - financial-statement - And 15+ other types
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fileName
string
required
Original filename
Response: Pre-signed URL for secure file upload

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Rate Limits

Comparison Tools: 100 requests per minute per IP address Application Tools: 10 requests per minute per email address
Rate limits are designed to prevent abuse while allowing normal usage patterns.

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Error Handling

All tools return standard error responses: 
{
  "error": {
    "code": "INVALID_PARAMETER",
    "message": "Loan amount must be between $1,000 and $100,000",
    "details": {
      "parameter": "loanAmount",
      "value": 500,
      "constraint": "minimum: 1000"
    }
  }
}
Common Error Codes:
  • INVALID_PARAMETER - Parameter validation failed
  • RATE_LIMIT_EXCEEDED - Too many requests
  • SERVICE_UNAVAILABLE - Temporary service issue
  • PROVIDER_ERROR - Lender integration error

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JSON Schemas

Complete JSON schemas for all tools are available in the mcp-financial-services repository.

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Need Help?

Setup Guide

Connect Claude or ChatGPT

Example Conversations

See tools in action

SDK Documentation

Programmatic integration

Support

Email developers@securelend.ai