> ## Documentation Index
> Fetch the complete documentation index at: https://docs.securelend.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# MCP Tools Reference

> Complete reference for all 20 SecureLend MCP tools

# 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`

<Info>
  All comparison tools are read-only and require no authentication. Application
  submission tools require user consent.
</Info>

***

## Loan Comparison Tools

### compare\_personal\_loans

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

<ParamField path="loanAmount" type="number" required>
  Desired loan amount in USD. Range: $1,000 - $100,000 Example: `25000` for
  \$25,000
</ParamField>

<ParamField path="purpose" type="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
</ParamField>

<ParamField path="creditScore" type="number">
  Applicant's credit score. Range: 300-850 Example: `720`
</ParamField>

<ParamField path="employmentStatus" type="enum">
  Employment status Options: `employed`, `self_employed`, `retired`,
  `unemployed`
</ParamField>

<ParamField path="monthlyIncome" type="number">
  Gross monthly income in USD Example: `5000`
</ParamField>

<ParamField path="state" type="string">
  State of residence (2-letter code) Example: `CA`, `NY`, `TX`
</ParamField>

**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.

<ParamField path="loanAmount" type="number" required>
  Desired loan amount in USD. Minimum: $1,000 Example: `200000` for $200,000
</ParamField>

<ParamField path="purpose" type="string" required>
  Reason for the loan Examples: `working capital`, `equipment`, `expansion`,
  `inventory`, `real estate`
</ParamField>

<ParamField path="annualRevenue" type="number">
  Business's gross annual revenue in USD Example: `1200000` for \$1.2M
</ParamField>

<ParamField path="industry" type="string">
  Industry the business operates in Examples: `technology`, `retail`,
  `restaurant`, `construction`, `healthcare`
</ParamField>

<ParamField path="state" type="string">
  State where business is located (2-letter code)
</ParamField>

<ParamField path="creditScore" type="number">
  Business owner's personal credit score (300-850)
</ParamField>

**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.

<ParamField path="loanAmount" type="number" required>
  Desired auto loan amount. Range: $1,000 - $100,000
</ParamField>

<ParamField path="isNew" type="boolean" required>
  Whether the vehicle is new or used - `true` - New vehicle - `false` - Used
  vehicle
</ParamField>

<ParamField path="creditScore" type="number">
  Applicant's credit score (300-850)
</ParamField>

<ParamField path="state" type="string">
  State of residence (2-letter code)
</ParamField>

**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.

<ParamField path="loanAmount" type="number" required>
  Total loan amount needed. Range: $1,000 - $250,000
</ParamField>

<ParamField path="degreeType" type="enum" required>
  Type of degree program Options: `undergraduate`, `graduate`, `mba`, `medical`,
  `law`
</ParamField>

<ParamField path="creditScore" type="number">
  Student's credit score (300-850)
</ParamField>

<ParamField path="coSignerCreditScore" type="number">
  Co-signer's credit score, if applicable (300-850)
</ParamField>

<ParamField path="state" type="string">
  State of residence (2-letter code)
</ParamField>

**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.

<ParamField path="loanAmount" type="number" required>
  Desired mortgage amount. Range: $50,000 - $2,000,000
</ParamField>

<ParamField path="loanType" type="enum" required>
  Type of mortgage Options: `conventional`, `fha`, `va`, `jumbo`, `refinance`
</ParamField>

<ParamField path="homePrice" type="number">
  Purchase price of the home. Range: $50,000 - $5,000,000
</ParamField>

<ParamField path="downPayment" type="number">
  Down payment amount in USD
</ParamField>

<ParamField path="creditScore" type="number">
  Applicant's credit score. Range: 500-850
</ParamField>

<ParamField path="propertyType" type="enum">
  Intended use of property Options: `primary`, `secondary`, `investment`
</ParamField>

<ParamField path="state" type="string">
  State where property is located
</ParamField>

**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.

<ParamField path="loanAmount" type="number" required>
  Desired commercial mortgage amount
</ParamField>

<ParamField path="loanType" type="enum" required>
  Type of commercial mortgage Options: `conventional`, `fha`, `va`, `jumbo`,
  `refinance`
</ParamField>

<ParamField path="homePrice" type="number">
  Purchase price of commercial property
</ParamField>

<ParamField path="downPayment" type="number">
  Down payment amount
</ParamField>

<ParamField path="creditScore" type="number">
  Business owner's credit score (500-850)
</ParamField>

<ParamField path="propertyType" type="enum">
  Property type Options: `primary`, `secondary`, `investment`
</ParamField>

<ParamField path="state" type="string">
  State where property is located
</ParamField>

***

## Banking & Credit Card Tools

### compare\_personal\_banking

Compare checking and savings account options.

<ParamField path="features" type="array">
  Desired account features Examples: `no_monthly_fees`, `high_interest`,
  `mobile_deposit`, `atm_access`
</ParamField>

**Example Query:**

```
Compare personal checking accounts with no monthly fees
and mobile deposit.
```

***

### compare\_business\_banking

Compare business checking and banking services.

<ParamField path="industry" type="string">
  Business industry
</ParamField>

<ParamField path="monthlyTransactions" type="number">
  Estimated number of monthly transactions
</ParamField>

**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.

<ParamField path="initialDeposit" type="number">
  Initial deposit amount in USD
</ParamField>

**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.

<ParamField path="creditScore" type="number">
  Applicant's credit score (300-850)
</ParamField>

<ParamField path="rewardsType" type="enum">
  Preferred rewards type Options: `cash_back`, `travel`, `points`
</ParamField>

**Example Query:**

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

***

### compare\_business\_credit\_cards

Compare business credit card options.

<ParamField path="creditScore" type="number">
  Applicant's credit score (300-850)
</ParamField>

<ParamField path="annualRevenue" type="number">
  Business annual revenue in USD
</ParamField>

<ParamField path="businessAgeInYears" type="number">
  How long the business has been operating
</ParamField>

**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.

<ParamField path="loanAmount" type="number" required>
  Total loan amount in USD
</ParamField>

<ParamField path="interestRate" type="number" required>
  Annual interest rate as percentage (e.g., `5` for 5%)
</ParamField>

<ParamField path="loanTermInMonths" type="number" required>
  Loan duration in months
</ParamField>

**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).

<ParamField path="propertyValue" type="number" required>
  Total property value in USD
</ParamField>

<ParamField path="downPayment" type="number" required>
  Down payment amount in USD
</ParamField>

<ParamField path="interestRate" type="number" required>
  Annual interest rate (e.g., `6.5` for 6.5%)
</ParamField>

<ParamField path="loanTermInYears" type="number" required>
  Loan term in years (typically 15 or 30)
</ParamField>

<ParamField path="propertyTaxRate" type="number" required>
  Annual property tax rate as percentage (e.g., `1.2` for 1.2%)
</ParamField>

<ParamField path="homeInsurance" type="number" required>
  Annual home insurance cost in USD
</ParamField>

**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.

<ParamField path="purchasePrice" type="number" required>
  Total purchase price of vehicle
</ParamField>

<ParamField path="downPayment" type="number" required>
  Down payment for purchase
</ParamField>

<ParamField path="interestRate" type="number" required>
  Annual interest rate for purchase loan
</ParamField>

<ParamField path="loanTermInMonths" type="number" required>
  Loan term in months for purchase
</ParamField>

<ParamField path="monthlyLeasePayment" type="number" required>
  Monthly lease payment amount
</ParamField>

<ParamField path="leaseTermInMonths" type="number" required>
  Lease term in months
</ParamField>

<ParamField path="moneyFactor" type="number" required>
  Money factor for lease (similar to interest rate)
</ParamField>

<ParamField path="residualValuePercentage" type="number" required>
  Estimated residual value as percentage of MSRP (0-100)
</ParamField>

<ParamField path="salesTaxRate" type="number" required>
  Sales tax rate as percentage
</ParamField>

<ParamField path="expectedOwnershipInMonths" type="number" required>
  How long you plan to keep the vehicle
</ParamField>

<ParamField path="acquisitionFee" type="number">
  Lease acquisition fee (default: 0)
</ParamField>

<ParamField path="securityDeposit" type="number">
  Lease security deposit (default: 0)
</ParamField>

**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

<Warning>
  These tools handle sensitive user data and require explicit user consent
  before execution.
</Warning>

### get\_offer

Submit loan application to a selected lender.

<ParamField path="applicant" type="object" required>
  Applicant personal details Properties: - `firstName` (required) - First name -
  `lastName` (required) - Last name - `email` (required) - Email address -
  `phone` (optional) - Phone number
</ParamField>

<ParamField path="applicationData" type="object" required>
  Original loan search parameters
</ParamField>

<ParamField path="productType" type="enum" required>
  Type of financial product Options: `INSTALLMENT_LOAN`, `MORTGAGE`,
  `AUTO_LOAN`, `STUDENT_LOAN`, `BUSINESS_LOAN`, `PERSONAL_CREDIT_CARD`,
  `BUSINESS_CREDIT_CARD`
</ParamField>

<ParamField path="provider" type="object" required>
  Selected lender Properties: - `providerId` (required) - Lender ID from
  comparison results - `providerName` (required) - Lender name
</ParamField>

**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.

<ParamField path="applicant" type="object" required>
  Applicant personal details (same as get\_offer)
</ParamField>

<ParamField path="applicationData" type="object" required>
  Original loan search parameters
</ParamField>

<ParamField path="productType" type="enum" required>
  Type of financial product
</ParamField>

<ParamField path="providers" type="array" required>
  List of selected lenders (minimum 1) Each provider object requires: -
  `providerId` - `providerName`
</ParamField>

***

### track\_offer\_status

Check status of submitted applications.

<ParamField path="applicationId" type="string">
  Unique application ID to track
</ParamField>

<ParamField path="email" type="string">
  Applicant's email to find all applications
</ParamField>

**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.

<ParamField path="offerId" type="string">
  Specific offer ID to pre-select
</ParamField>

<ParamField path="sessionId" type="string">
  Session ID from previous search
</ParamField>

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

***

### display\_upload\_documents\_form

Present interface for uploading required documents.

<ParamField path="applicationId" type="string">
  Application ID to associate documents with
</ParamField>

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

***

### submit\_documents

Generate secure upload URL for application documents.

<ParamField path="applicationId" type="string" required>
  Application ID
</ParamField>

<ParamField path="documentType" type="enum" required>
  Category of document Options: - `bank-statement` - `tax-return` -
  `identity-document` - `proof-of-income` - `business-license` -
  `financial-statement` - And 15+ other types
</ParamField>

<ParamField path="fileName" type="string" required>
  Original filename
</ParamField>

**Response:** Pre-signed URL for secure file upload

***

## Rate Limits

<Info>
  **Comparison Tools:** 100 requests per minute per IP address **Application
  Tools:** 10 requests per minute per email address
</Info>

Rate limits are designed to prevent abuse while allowing normal usage patterns.

***

## Error Handling

All tools return standard error responses:

```json theme={null}
{
  "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](https://github.com/SecureLend/mcp-financial-services/tree/main/schemas).

***

## Need Help?

<CardGroup cols={2}>
  <Card title="Setup Guide" icon="rocket" href="/mcp/setup">
    Connect Claude or ChatGPT
  </Card>

  <Card title="Example Conversations" icon="messages" href="/mcp/financial-services">
    See tools in action
  </Card>

  <Card title="SDK Documentation" icon="code" href="/sdk/javascript">
    Programmatic integration
  </Card>

  <Card title="Support" icon="life-ring" href="mailto:developers@securelend.ai">
    Email [developers@securelend.ai](mailto:developers@securelend.ai)
  </Card>
</CardGroup>