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.

Loan Comparison Tools

compare_personal_loans

Compare personal loan offers based on amount, credit score, and purpose.

number

required

Desired loan amount in USD. Range:

1,000 -

100,000 Example: 25000 for $25,000

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

number

Applicant’s credit score. Range: 300-850 Example: 720

enum

Employment status Options: employed, self_employed, retired, unemployed

number

Gross monthly income in USD Example: 5000

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.

compare_business_loans

Compare business loan offers based on amount, revenue, and industry.

number

required

Desired loan amount in USD. Minimum:

1,000 Example: `200000` for

200,000

string

required

Reason for the loan Examples: working capital, equipment, expansion, inventory, real estate

number

Business’s gross annual revenue in USD Example: 1200000 for $1.2M

string

Industry the business operates in Examples: technology, retail, restaurant, construction, healthcare

string

State where business is located (2-letter code)

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.

compare_car_loans

Compare auto loan rates for new and used vehicles.

number

required

Desired auto loan amount. Range:

1,000 -

100,000

boolean

required

Whether the vehicle is new or used - true - New vehicle - false - Used vehicle

number

Applicant’s credit score (300-850)

string

State of residence (2-letter code)

Example Query:

Compare auto loans for a $35,000 new car with a 750 credit score.

compare_student_loans

Compare student loan options by degree type and amount.

number

required

Total loan amount needed. Range:

1,000 -

250,000

enum

required

Type of degree program Options: undergraduate, graduate, mba, medical, law

number

Student’s credit score (300-850)

number

Co-signer’s credit score, if applicable (300-850)

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.

compare_personal_mortgages

Compare mortgage rates and terms for home purchases.

number

required

Desired mortgage amount. Range:

50,000 -

2,000,000

enum

required

Type of mortgage Options: conventional, fha, va, jumbo, refinance

number

Purchase price of the home. Range:

50,000 -

5,000,000

number

Down payment amount in USD

number

Applicant’s credit score. Range: 500-850

enum

Intended use of property Options: primary, secondary, investment

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.

compare_business_mortgages

Compare commercial mortgage options for business properties.

number

required

Desired commercial mortgage amount

enum

required

Type of commercial mortgage Options: conventional, fha, va, jumbo, refinance

number

Purchase price of commercial property

number

Down payment amount

number

Business owner’s credit score (500-850)

enum

Property type Options: primary, secondary, investment

string

State where property is located

Banking & Credit Card Tools

compare_personal_banking

Compare checking and savings account options.

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.

compare_business_banking

Compare business checking and banking services.

string

Business industry

number

Estimated number of monthly transactions

Example Query:

Compare business checking accounts for a retail business
with about 200 transactions per month.

compare_savings_accounts

Compare high-yield savings account rates.

number

Initial deposit amount in USD

Example Query:

Compare high-yield savings accounts with a $10,000 initial deposit.

compare_personal_credit_cards

Compare personal credit card offers by rewards type.

number

Applicant’s credit score (300-850)

enum

Preferred rewards type Options: cash_back, travel, points

Example Query:

Compare cash back credit cards for someone with a 750 credit score.

compare_business_credit_cards

Compare business credit card options.

number

Applicant’s credit score (300-850)

number

Business annual revenue in USD

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.

Calculator Tools

calculate_loan_payment

Calculate monthly payment for any loan.

number

required

Total loan amount in USD

number

required

Annual interest rate as percentage (e.g., 5 for 5%)

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

calculate_mortgage_payment

Calculate PITI mortgage payment (Principal, Interest, Taxes, Insurance).

number

required

Total property value in USD

number

required

Down payment amount in USD

number

required

Annual interest rate (e.g., 6.5 for 6.5%)

number

required

Loan term in years (typically 15 or 30)

number

required

Annual property tax rate as percentage (e.g., 1.2 for 1.2%)

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

compare_lease_vs_purchase

Compare total costs of leasing vs buying a vehicle.

number

required

Total purchase price of vehicle

number

required

Down payment for purchase

number

required

Annual interest rate for purchase loan

number

required

Loan term in months for purchase

number

required

Monthly lease payment amount

number

required

Lease term in months

number

required

Money factor for lease (similar to interest rate)

number

required

Estimated residual value as percentage of MSRP (0-100)

number

required

Sales tax rate as percentage

number

required

How long you plan to keep the vehicle

number

Lease acquisition fee (default: 0)

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

Application Management Tools

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

get_offer

Submit loan application to a selected lender.

object

required

Applicant personal details Properties: - firstName (required) - First name - lastName (required) - Last name - email (required) - Email address - phone (optional) - Phone number

object

required

Original loan search parameters

enum

required

Type of financial product Options: INSTALLMENT_LOAN, MORTGAGE, AUTO_LOAN, STUDENT_LOAN, BUSINESS_LOAN, PERSONAL_CREDIT_CARD, BUSINESS_CREDIT_CARD

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.

get_multiple_offers

Submit application to multiple lenders simultaneously.

object

required

Applicant personal details (same as get_offer)

object

required

Original loan search parameters

enum

required

Type of financial product

array

required

List of selected lenders (minimum 1) Each provider object requires: - providerId - providerName

track_offer_status

Check status of submitted applications.

string

Unique application ID to track

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

display_offer_form

Generate pre-filled application form for user review.

string

Specific offer ID to pre-select

string

Session ID from previous search

Usage: Retrieves cached offer details to display in a form format.

display_upload_documents_form

Present interface for uploading required documents.

string

Application ID to associate documents with

Usage: Shows document upload interface for bank statements, tax returns, ID, etc.

submit_documents

Generate secure upload URL for application documents.

string

required

Application ID

enum

required

Category of document Options: - bank-statement - tax-return - identity-document - proof-of-income - business-license - financial-statement - And 15+ other types

string

required

Original filename

Response: Pre-signed URL for secure file upload

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.

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

JSON Schemas

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

Need Help?

Setup Guide

Connect Claude or ChatGPT

Example Conversations

See tools in action

SDK Documentation

Programmatic integration

Support

Email developers@securelend.ai

​MCP Tools Reference

​Loan Comparison Tools

​compare_personal_loans

​compare_business_loans

​compare_car_loans

​compare_student_loans

​compare_personal_mortgages

​compare_business_mortgages

​Banking & Credit Card Tools

​compare_personal_banking

​compare_business_banking

​compare_savings_accounts

​compare_personal_credit_cards

​compare_business_credit_cards

​Calculator Tools

​calculate_loan_payment

​calculate_mortgage_payment

​compare_lease_vs_purchase

​Application Management Tools

​get_offer

​get_multiple_offers

​track_offer_status

​display_offer_form

​display_upload_documents_form

​submit_documents

​Rate Limits

​Error Handling

​JSON Schemas

​Need Help?

Setup Guide

Example Conversations

SDK Documentation

Support

MCP Tools Reference

Loan Comparison Tools

compare_personal_loans

compare_business_loans

compare_car_loans

compare_student_loans

compare_personal_mortgages

compare_business_mortgages

Banking & Credit Card Tools

compare_personal_banking

compare_business_banking

compare_savings_accounts

compare_personal_credit_cards

compare_business_credit_cards

Calculator Tools

calculate_loan_payment

calculate_mortgage_payment

compare_lease_vs_purchase

Application Management Tools

get_offer

get_multiple_offers

track_offer_status

display_offer_form

display_upload_documents_form

submit_documents

Rate Limits

Error Handling

JSON Schemas

Need Help?