Compare loans, mortgages, credit cards, banking accounts, and financing options for individuals and businesses.
SecureLend Marketplace helps users explore available financial products, calculate estimated payments, review matching offers, and continue to a lender or provider when ready. Supported categories include personal loans, business loans, mortgages, auto loans, student loans, savings accounts, credit cards, and business banking.
Scored across 20 tools
Most compare_* tools target distinct financial products, but the offer tools overlap: get_offer and get_multiple_offers both submit enquiries, while display_offer_form retrieves a cached offer. The names 'get_offer' and 'get_multiple_offers' suggest retrieval rather than submission, which can cause misselection without reading descriptions.
All tools use snake_case verb_noun phrasing, with predictable prefixes compare_, calculate_, display_, get_, submit_, and track_. The only minor variation is the plural form in get_multiple_offers, but the surface remains highly consistent.
20 tools is above the typical 3-15 range, but the lending marketplace legitimately covers many product categories plus an application workflow. The count is slightly heavy rather than excessive, since each product comparator maps to a distinct domain.
The core marketplace lifecycle is covered: compare products, calculate payments, retrieve/generate offers, submit documents, and track status. Minor gaps exist around updating or canceling applications and fetching full application details, but agents can work around them.
Calculate monthly loan payments with principal, interest, and total cost breakdown
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must disclose behavioral traits. It implies a read-only calculation via the verb 'calculate' and outlines the output breakdown, but does not explicitly state that no data is modified, nor does it mention any assumptions or limitations. This is minimal but not misleading.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, front-loaded sentence with no wasted words. It conveys the core action and output components efficiently.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a tool with no annotations, no output schema, and an empty input schema, the description is the sole source of guidance. It is incomplete because it omits input requirements and does not clarify the expected request format. This is a significant gap for an agent to call the tool correctly.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The input schema is empty (no properties, additionalProperties true), so schema coverage is vacuously 100%, giving a baseline of 3. However, the description fails to specify what inputs are required (e.g., loan amount, interest rate, term). An agent cannot determine how to construct a valid request from the description alone, making it inadequate.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description states a specific verb ('calculate') and resource ('monthly loan payments'), and lists output components ('principal, interest, total cost breakdown'). It clearly distinguishes from most siblings (which are comparison tools), but does not differentiate from the similar calculate_mortgage_payment, leaving ambiguity about scope.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
No guidance is provided on when to use this tool versus alternatives. There is no mention of loan types, exclusions, or a pointer to calculate_mortgage_payment for mortgage-specific scenarios. The usage context is entirely implied.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Calculate PITI mortgage payments including property taxes and insurance
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are present, so the description carries the full burden of behavioral disclosure. It states that the calculation includes property taxes and insurance, but does not disclose whether those are estimated, user-supplied, or how the result is returned. There is no mention of assumptions, exclusions, or output behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, focused sentence with no filler or repetition. The key action and scope are front-loaded, and every word contributes meaning.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
With no annotations, no output schema, and no parameter definitions, the description is too sparse to fully support correct invocation. An agent would need to infer what inputs to supply (loan amount, interest rate, term, tax amount, insurance amount) and what the expected output format is.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The schema has no defined parameters, so per the baseline rule for zero parameters, the description gets a 4. It adds some semantic meaning by indicating that property taxes and insurance are part of the calculation, but it does not enumerate the actual inputs expected.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description uses a specific verb ('Calculate') and a specific resource ('PITI mortgage payments' including property taxes and insurance). This clearly distinguishes it from the many compare_* tools and from calculate_loan_payment, which is general loan amortization rather than mortgage PITI.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description gives no explicit guidance about when to use this tool versus alternatives such as calculate_loan_payment or compare_personal_mortgages. Usage is only weakly implied by the word 'Calculate', and no exclusions or alternative conditions are provided.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Compare business checking accounts, features, fees, and transaction limits
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
There are no annotations, so the description must carry the full burden. 'Compare' signals a read-only information-gathering behavior and the listed dimensions, but it does not disclose what the tool returns, whether it triggers any follow-up, or any side effects or limitations. The behavior is clear at a high level but not deeply transparent.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
A single sentence, front-loaded with the action and resource, and every word adds semantic value. No redundant filler or repetition of the tool name.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a zero-parameter comparison tool, the description is largely complete: it names the resource and the comparison dimensions. However, with no output schema and no annotations, it would benefit from an explicit statement of what the result contains (e.g., a list or comparison result), so it is not a 5.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The tool has zero defined parameters, which sets a baseline of 4 because there are no parameter semantics to explain. The schema's additionalProperties: true is unconstrained, and the description adds no guidance on optional inputs, but this is not required for a no-parameter call.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description uses a specific verb ('Compare') and a precise resource ('business checking accounts'), and lists the comparison dimensions of features, fees, and transaction limits. This clearly separates it from sibling tools that cover personal banking, savings, loans, or credit cards.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description clearly establishes the intended context: use this tool when a business checking account comparison is needed. It does not explicitly enumerate exclusions or name alternatives, so it stops short of a 5, but the context is unambiguous given the sibling set.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Find business credit cards matching criteria like rewards type, annual fee, and credit score
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the full burden. It only says 'find' matching cards and gives no indication of side effects, whether it performs a live search, whether it returns offers, or any limitations. This is minimal behavioral disclosure for a tool with no annotation coverage.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
A single, front-loaded sentence that efficiently states the action, resource, and examples of criteria. Every part earns its place with no filler.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
The tool is simple and the schema is permissive, but the description does not explain how criteria should be formatted as input properties or what kind of result set to expect. It is adequate for basic selection but leaves the agent to guess operational details.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The schema has zero documented parameters and simply allows additional properties, so the description's examples (rewards type, annual fee, credit score) provide the main semantic guidance for what the agent might pass. This adds meaningful value beyond the empty schema.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description states a specific action ('Find') on a specific resource ('business credit cards') and lists concrete matching criteria (rewards type, annual fee, credit score). It clearly distinguishes this tool from siblings like compare_personal_credit_cards and compare_business_loans.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The usage context is implied: use this tool when looking for business credit cards by certain criteria. However, there is no explicit guidance on when not to use it, and the description never names alternatives such as compare_personal_credit_cards for personal card comparisons.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Find and compare business loans based on amount, industry, revenue, and purpose
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description bears the full burden of behavioral disclosure. It only says 'find and compare' without any details on what the tool returns, whether it triggers side effects (e.g., credit checks), what prerequisites exist, or how the comparison is presented. This is effectively a black box.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, front-loaded sentence with no wasted words. It starts with the action and resource and immediately lists the filtering dimensions. It could be slightly richer, but as a brief one-liner it is well-structured and efficient.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool has many siblings, no output schema, and no annotations, the description is insufficient for an agent to invoke it correctly. It doesn't explain the form of the comparison results, how to specify the criteria (query string vs. body), or any limitations. An agent would likely need to inspect or probe the tool to understand its behavior.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The schema defines zero parameters (additionalProperties: true), so the baseline for 0 params is 4. The description compensates by naming likely input criteria (amount, industry, revenue, purpose), which gives the agent hints about what to pass. However, it does not specify parameter types or formats, so it doesn't fully resolve ambiguity.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the verb 'find and compare' and the resource 'business loans', and lists specific filtering criteria (amount, industry, revenue, purpose). This distinguishes it from non-business-loan tools at a high level, though it doesn't differentiate from sibling tools like compare_business_credit_cards or compare_business_mortgages.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
There is no explicit guidance on when to use this tool versus alternatives like compare_business_credit_cards or compare_personal_loans. The criteria listed imply a business-loan context, but the description does not state exclusions or direct the agent to more appropriate siblings for other financial products.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Compare commercial real estate financing options for business properties
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations exist, so the description carries the full burden. It only says 'Compare' and does not disclose what behavior to expect, such as whether it fetches live rates, displays a table, or has side effects. The absence of output or format details leaves the agent guessing about the tool's behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single sentence that leads with the action verb. It is concise and has no filler, though 'commercial real estate' and 'business properties' are somewhat redundant and the phrase 'financing options' is generic.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a zero-parameter tool with no annotations and no output schema, this is minimally viable but thin. It does not explain what the comparison output looks like, what criteria are used, or how this tool fits among the many compare_* siblings. An agent could call it correctly based on intent, but not with full confidence.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The tool has zero parameters and an empty schema, so there are no parameter semantics for the description to supplement. The baseline for a parameterless tool is 4, and the description does not need to explain inputs that do not exist.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description states a specific action, 'Compare', and a clear resource: 'commercial real estate financing options for business properties'. It clearly distinguishes this from calculation and payment siblings, though it does not explicitly distinguish it from compare_business_loans or compare_personal_mortgages.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
There is no guidance on when to use this tool versus siblings like compare_business_loans, compare_personal_mortgages, or calculate_mortgage_payment. The verb 'Compare' implies a comparison use case, but no conditions, exclusions, or alternative-selection criteria are provided.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Find the best auto loan rates for new or used vehicles based on credit score and loan amount
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description must carry full behavioral disclosure, but it only states the purpose. It does not mention side effects, auth needs, rate limits, or what the result looks like (e.g., offers or rates list). The agent knows it 'finds' rates but not what happens when invoked.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, tightly worded sentence with no filler. The core purpose is front-loaded, and every word adds meaning. It is an ideal length for a tool with a self-explanatory name.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool has no annotations, no declared parameters, and no output schema, the description is the sole source of guidance. It fails to explain how to provide the implied inputs, what the output is, or when to prefer this over sibling compare tools. This is insufficient for correct invocation without further questioning.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With zero formal parameters, the baseline is 4, but the description names implied inputs (credit score, loan amount) that are absent from the schema. This adds intent but no property names or types, so the agent cannot reliably pass these values. It partially compensates for the empty schema but remains ambiguous.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description identifies a clear action (Find) and resource (auto loan rates) with useful modifiers (new or used vehicles, based on credit score and loan amount), distinguishing it from mortgage/business loan tools. It loses the top score because 'best' is undefined and it doesn't explicitly say it compares multiple offers.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
There is no explicit guidance on when to use this tool versus siblings like calculate_loan_payment or compare_personal_loans. The description implies a use case but does not provide exclusions or alternatives, leaving the agent to infer when this is the right choice.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Compare total costs of leasing versus buying a vehicle over time
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry the full burden of behavioral disclosure. It only states that the tool compares costs; it does not disclose whether this is a read-only analysis, what assumptions it makes, what inputs are required, or what kind of result it returns.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single concise sentence with no filler or repetition. It is appropriately front-loaded, though it is so short that it sacrifices useful detail.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given there is no output schema, no annotations, and an empty input schema, the description should provide more context about how the comparison works, what cost factors are included, and what the agent can expect in return. The current description is too minimal to fully guide correct invocation.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The tool has zero parameters, and the input schema confirms this, so parameter semantics are largely irrelevant. The baseline of 4 applies because the description does not need to compensate for undocumented parameters.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description uses a specific verb ('Compare') and identifies the exact resource and scope: total costs of leasing versus buying a vehicle over time. This clearly distinguishes it from sibling tools like compare_car_loans or calculate_loan_payment.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description gives no guidance on when to use this tool versus alternatives, nor does it mention any prerequisites, exclusions, or contexts where another sibling tool would be more appropriate. Usage is only implicitly inferable from the tool's name.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Find the best personal checking accounts with desired features and benefits
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the full burden of behavioral disclosure. It only says 'Find the best,' suggesting a read-only search or ranking, but it does not explain how results are determined, what outputs look like, or any limitations or side effects.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single concise sentence with no filler or redundant wording. The key differentiator, 'personal checking accounts,' is front-loaded, making it easy for an agent to quickly identify the tool's purpose.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a zero-parameter tool, the description conveys the basic search intent, but it leaves ambiguity around what 'desired features and benefits' means and whether the tool returns a ranked list or a single best account. Since there is no output schema or annotations, these gaps are more significant.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With zero parameters, the baseline is 4, and the description does not need to explain parameter meanings. The mention of 'desired features and benefits' is a high-level intent indicator, but since the schema defines no parameters, there is nothing more to document.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description uses a specific verb, 'Find', and a clear resource, 'personal checking accounts', which distinguishes it from sibling tools like compare_personal_credit_cards and compare_savings_accounts. The phrase 'with desired features and benefits' is somewhat vague, but the core object is explicit.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description implies this tool is for users seeking personal checking accounts, but it does not explicitly state when to use it over alternatives or provide exclusions. Given many sibling comparison tools, explicit routing guidance would help, but the resource name provides adequate context.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Compare personal credit card offers with rewards, cash back, and travel benefits
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of behavioral disclosure, but it only states the action 'compare' without revealing what happens on invocation—whether it returns a list, requires filters, or has any side effects. It offers no behavioral detail beyond the stated purpose.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, front-loaded sentence with no filler. It states the verb and object immediately and efficiently covers the key comparison facets.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
The tool has no output schema and no annotations, and the description does not explain the return format, the structure of the comparison, or any prerequisites. It mentions benefits but leaves the agent without a clear picture of what to expect from the tool's output.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
There are zero parameters, so the schema provides nothing. The description adds semantic value by naming the comparison dimensions (rewards, cash back, travel), which helps an agent understand the tool's focus. Per the baseline for zero parameters, a 4 is appropriate.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool compares personal credit card offers and names specific comparison dimensions (rewards, cash back, travel benefits). The 'personal' qualifier distinguishes it from business credit card tools, though it doesn't explicitly differentiate from other comparison or offer-listing tools.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
No guidance is provided on when to use this tool versus siblings. The description only states what it does, without any context about when it should be selected over alternatives like compare_business_credit_cards or get_multiple_offers.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Search and compare personal loan offers from multiple lenders based on amount, purpose, and credit score
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description must disclose behavior. It states 'search and compare' but does not describe the output format, whether the operation is read-only, or any limitations. It also doesn't mention data source freshness or error handling, leaving the agent to infer basic behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, direct sentence that is front-loaded with the action and avoids redundancy. Every word contributes to the core purpose.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
With no output schema and no annotations, the description is incomplete. It does not describe what the tool returns (list of offers, details, rates?), nor does it mention any preconditions or error scenarios. For a comparison tool, the agent would benefit from knowing the response structure or any caveats.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The schema is empty but allows additional properties, so the description adds meaning by naming three likely inputs (amount, purpose, credit score). However, it does not specify types, formats, or whether these are required, leaving ambiguity about how to structure the request.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states a specific verb (search and compare) and a specific resource (personal loan offers), and further specifies the key filtering criteria (amount, purpose, credit score). This distinguishes it from sibling tools like compare_business_loans or compare_car_loans by the loan type.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description implies when to use the tool (when comparing personal loans) but does not explicitly contrast with alternatives or state exclusions. With many sibling tools, explicit routing guidance would help, but the 'personal loan' specificity provides some differentiation.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Compare residential mortgage products and rates based on property value, loan amount, and credit score
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the full burden of behavioral disclosure. It only says 'Compare', which implies a read-only operation, but it does not state whether it returns product lists, rate quotes, or a comparison summary, nor does it mention any side effects, authentication requirements, or data persistence. For a tool with zero annotation support, this is a notable gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, front-loaded sentence that states the action, object, and key inputs with no filler. Every phrase earns its place, making it easy for an agent to parse quickly.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the lack of an output schema and annotations, the description could do more to explain what a 'comparison' returns and how the named inputs should be supplied. It is adequate for an agent to grasp the tool's purpose, but it leaves the calling contract underspecified for a tool with no structured parameter definitions.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The input schema has zero defined parameters, so the description is the only source for what inputs the tool expects. It names three key factors (property value, loan amount, credit score), which gives meaning beyond the empty schema. However, it does not specify exact parameter names, types, or format, so the baseline of 4 for zero-parameter tools is slightly adjusted upward by the named inputs.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description states a specific verb ('Compare') and a specific resource ('residential mortgage products and rates') and names the key input dimensions (property value, loan amount, credit score). The word 'residential' clearly distinguishes this from sibling compare_business_mortgages and from calculation tools like calculate_mortgage_payment.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description implies when to use the tool—when comparing residential mortgage products and rates—but does not explicitly tell the agent when not to use it, nor does it mention alternatives such as compare_business_mortgages or calculators. The context is clear but lacks explicit exclusion or alternative routing.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Compare high-yield savings account rates and minimum balance requirements
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden of disclosing behavior. It says 'compare' but does not explain what invoking the tool does—whether it fetches live rates, returns a table, redirects, or has side effects. It does not mention authentication, rate limits, or what happens on success/failure. This is a significant transparency gap for a tool with no structured annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, front-loaded sentence with no filler. It states the verb and the objects it affects in a compact, efficient manner. Every word earns its place, and nothing is over-specified or redundant.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool's simplicity (no parameters, no output schema, no annotations), the description covers the basic purpose but leaves the agent to infer the return shape and invocation side effects. It does not mention whether input like location is needed or what the comparison output looks like. While not grossly inadequate, it is minimally sufficient and relies heavily on the agent's assumption that 'compare' means returning a list of options.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The tool has zero defined parameters and schema coverage is trivially 100%, so the baseline is 4. The description does not add parameter-specific meaning because none are declared. However, the schema allows arbitrary additional properties (additionalProperties true), yet the description does not clarify whether any optional filters are accepted—but with 0 required params, the baseline holds.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description states a specific verb (compare) and a resource (high-yield savings account rates and minimum balance requirements), which clearly distinguishes it from sibling tools that compare other financial products like loans, credit cards, and banking packages. The purpose is unambiguous and immediately separates this tool from alternatives.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description provides no guidance on when to use this tool versus alternatives. It does not name any sibling tool (e.g., compare_personal_banking) or specify conditions for selection. The only clue is the resource name, which offers weak implicit guidance, but there are no explicit directives or exclusions.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Compare student loan options and refinancing rates based on degree type and amount
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. It mentions input criteria (degree type, amount) but does not disclose what the tool returns (e.g., a list of rates, comparison table), whether it performs a read-only lookup or triggers a calculation, or if it requires any user interaction. It does not contradict annotations (none exist), but leaves significant behavioral ambiguity for a comparison tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, efficient sentence that is front-loaded with the core action and resource. It is appropriately concise, but it could add a bit more detail without becoming verbose. No wasted words.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the lack of annotations, output schema, and formal parameters, the description is insufficient for an agent to call the tool correctly. The agent knows the intent but not the expected inputs, the return format, or any side effects. For a comparison tool among many siblings, it needs to specify the type of comparison and the output structure.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The schema is essentially open (additionalProperties: true) with no defined parameters, so the description's mention of 'degree type and amount' provides meaningful guidance on what inputs to provide. However, because there are zero formal parameters, the description does not compensate for the lack of a structured schema; the agent still lacks clear parameter names or formats. Baseline for 0 params is 4, but the vague criteria lower it to 3.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description states a clear verb ('Compare') and resource ('student loan options and refinancing rates') with specific criteria ('degree type and amount'). It distinguishes from mortgage/business/car loan tools, but the exact scope (e.g., whether it includes federal vs private loans) is vague. It is more specific than a tautology but lacks precision.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description implies use when comparing student loans, but it provides no explicit guidance on when to use this tool versus siblings like 'compare_personal_loans' or 'compare_car_loans'. There is no mention of prerequisites (e.g., having loan details) or exclusions (e.g., not for refinancing existing loans). The agent must infer usage from the name and criteria.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Retrieve a cached offer and show a pre-filled enquiry review form before user confirmation.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and it does meaningfully: 'cached offer' indicates no new user input is needed and 'before user confirmation' signals this is a pre-submission display step, not a mutation or final action. It could be more explicit about side effects, but the wording implies a safe read-and-display operation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
A single sentence packs the action, the data source, the artifact shown, and the timing in the workflow. There is no filler or redundancy.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a zero-parameter display tool with no output schema, the description covers the prerequisite (cached offer), the action (showing a review form), and the stage ('before user confirmation'). Nothing essential is missing for an agent to select and invoke it correctly.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
There are zero parameters, and the description explains why that is workable: the offer is already 'cached' and the form is 'pre-filled'. This tells the agent the tool relies on existing state rather than requiring arguments, exceeding the baseline for a no-parameter tool.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description names a specific verb pattern ('Retrieve... show'), a specific resource ('cached offer'), and a precise artifact ('pre-filled enquiry review form before user confirmation'). This distinguishes it from sibling display tools like display_prequalification_form and display_upload_documents_form without needing to open their schemas.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
It gives a clear workflow context: use this when there is a cached offer and the user needs to review before confirming. It does not explicitly name alternatives or exclusion conditions, but the 'before user confirmation' placement tells an agent when in the flow this tool applies.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Display a form that lets users upload supporting documents for an existing application.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
There are no annotations, so the description must carry the behavioral burden. The verb 'display' implies a non-mutating UI action, which is helpful, but the description does not state whether the form actually submits documents, whether side effects occur, or how this relates to submit_documents. It is minimally transparent but not rich.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
A single sentence that is direct and free of redundant wording. It front-loads the action ('Display a form') and packs the key context ('upload supporting documents', 'existing application') into a compact, readable definition.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a simple zero-parameter display tool, the description is largely complete: it says what UI to show and for what purpose. It could add a note that document submission is handled separately (e.g., by submit_documents), but this is a minor gap rather than a blocking omission.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The tool has zero parameters and 100% schema description coverage, so there is nothing for the description to clarify about inputs. The baseline of 4 applies because parameter semantics are effectively moot, and the description correctly says nothing misleading.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description names a specific verb ('display') and resource ('a form that lets users upload supporting documents for an existing application'), which clearly distinguishes it from form tools for other purposes like display_offer_form or display_prequalification_form. It does not explicitly call out sibling differentiation, but the purpose is unambiguous.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
No guidance is given about when to use this tool versus alternatives. The phrase 'for an existing application' provides a slight contextual hint, but there is no mention of exclusions, prerequisites, or why an agent should choose this over submit_documents or the other display_* tools.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Create and submit a user-confirmed lending enquiry to multiple selected lenders and return the created application record and routing details.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden. It does disclose that the tool has an external side effect (submitting an enquiry to lenders), requires user confirmation, and returns an application record with routing details. However, it does not mention permissions, whether the submission is reversible, rate limits, or any consequences of the external submission.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
A single sentence that front-loads the core action and includes the return value. Every clause earns its place and there is no redundant filler.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a zero-parameter tool with no output schema, the description is fairly complete: it explains the action, the target recipients, the confirmation context, and the returned data. It could still clarify how lenders are 'selected' or what 'routing details' contain, but these are relatively minor gaps.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
There are zero parameters and schema coverage is 100%, so the baseline baseline of 4 applies. The description adds meaningful context by specifying the lending-enquiry purpose and the 'user-confirmed' requirement, but no parameter-level detail is needed because there are no parameters.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description states a concrete action: 'Create and submit a user-confirmed lending enquiry to multiple selected lenders' and names the return value. This clearly differentiates it from retrieval-style siblings like get_offer and display forms, though the tool name 'get_multiple_offers' conflicts somewhat with the create/submit semantics.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
No explicit when-to-use guidance or exclusions are provided. The phrase 'multiple selected lenders' implies a use case, but the description never contrasts this tool with get_offer, compare_business_loans, submit_documents, or other siblings, so the agent must infer selection from context.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Create and submit a user-confirmed lending enquiry to one selected lender and return the created application record and next-step details.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description carries the full burden of behavioral disclosure. It states that the tool creates and submits an enquiry and returns a record, but does not disclose side effects, authorization requirements, what 'user-confirmed' implies, or any failure behavior. It lacks depth about the mutation's impact.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, concise sentence that front-loads the primary action and states the return value. It is efficient and avoids redundancy, though it could be structured with separate clauses for inputs and outputs for clarity.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a tool that creates and submits an enquiry, the description is incomplete. It does not specify required inputs (how to identify the lender or the enquiry details), prerequisites (e.g., user confirmation process), or output structure beyond 'application record and next-step details'. The absence of an output schema and any parameter guidance leaves significant gaps for an agent to call it correctly.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With zero parameters and 100% schema coverage (trivially), the baseline is 4. The description adds context about the action but does not describe how a lender is selected or what inputs are expected, which would be relevant if parameters existed. Since there are none, this is acceptable, though the mismatch between 'selected lender' and an empty schema is a minor inconsistency.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states a specific action ('Create and submit'), a resource ('a user-confirmed lending enquiry'), and a target ('to one selected lender'). It also specifies the return value (created application record and next-step details), which distinguishes it from siblings like get_multiple_offers or display_offer_form.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description does not explicitly state when to use this tool versus alternatives. It implies a single-lender scenario ('to one selected lender'), but does not mention that get_multiple_offers should be used for multiple lenders, nor does it give any exclusions or prerequisites beyond the vague 'user-confirmed'. An agent is left to infer usage context.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Generate a presigned upload URL and create document metadata for an application in SecureLend storage.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are present, so the description carries the full burden of disclosing side effects and behavior. It mentions generating a presigned URL and creating metadata, implying a write/upload flow, but it does not state whether the actual file upload is part of this call, what happens on failure, what permissions are required, or what response is returned.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single sentence with no filler. The two key actions are front-loaded and immediately readable.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a tool with no annotations, no output schema, and an unconstrained input schema, this one-sentence description is insufficient. An agent cannot determine required inputs, response shape, upload mechanics, or error behavior from the provided definition.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The input schema declares no named parameters and allows arbitrary additional properties, making the description the only source of invocation guidance. It does not specify an application ID, file names, metadata keys, or any required arguments, so an agent cannot construct a correct call from the definition alone.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description names concrete operations ('generate a presigned upload URL', 'create document metadata') and a resource scope ('an application in SecureLend storage'). This is specific enough to separate the backend submission action from the sibling display_upload_documents_form, though it does not explicitly name any sibling.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
No guidance is given on when to invoke this tool or when to prefer alternatives such as display_upload_documents_form or track_offer_status. There are no preconditions, ordering notes, or exclusions, so an agent must infer usage entirely from the name and one-line description.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Retrieve the status of previously submitted SecureLend enquiries by application ID or applicant email.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure. It only says 'retrieve', which implies a read-only operation, but it does not mention authentication requirements, error handling (e.g., not found), rate limits, or any side effects. The lack of detail is a significant gap for a tool with zero annotation coverage.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, well-structured sentence that front-loads the core action and includes the key lookup criteria without unnecessary words. It earns its place and is easy to scan.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the lack of output schema, annotations, and a structured input schema, the description must carry substantial explanatory weight. It fails to specify how to pass the lookup keys, what the response contains, or any constraints. An agent would likely need additional information to call this tool correctly, making it incomplete.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The input schema is empty (additionalProperties: true, no properties), so the description is the only source of parameter guidance. It names the two identifiers (application ID or applicant email) but does not specify exact parameter names, formats, or whether they are required or mutually exclusive. This adds some meaning beyond the schema but remains imprecise.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description states a specific verb ('Retrieve') and a resource ('status of previously submitted SecureLend enquiries'), and clarifies the lookup keys (application ID or applicant email). This clearly distinguishes it from siblings like get_offer or get_multiple_offers, which focus on offer details rather than status tracking.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description does not specify when to use this tool versus alternatives, nor does it mention any exclusions or prerequisites. The context implies it is for tracking after submission, but this is not explicit, leaving the agent to infer usage.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
Recent tool additions, removals, and schema changes observed during successful MCP inspections.
display_prequalification_formsubmit_prequalification_detailscalculate_loan_payment5 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "interestRate": {
- "description": "The annual interest rate (e.g., 5 for 5%).",
- "minimum": 0,
- "type": "number"
- },
- "loanAmount": {
- "description": "The total amount of the loan in USD.",
- "exclusiveMinimum": 0,
- "type": "number"
- },
- "loanTermInMonths": {
- "description": "The duration of the loan in months.",
- "exclusiveMinimum": 0,
- "maximum": 9007199254740991,
- "type": "integer"
- }
-}Input schema / requiredRemoved value: -[
- "loanAmount",
- "interestRate",
- "loanTermInMonths"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "monthlyPayment": {
- "description": "The calculated monthly payment amount.",
- "type": "number"
- },
- "totalInterest": {
- "description": "The total interest paid over the life of the loan.",
- "type": "number"
- },
- "totalPayment": {
- "description": "The total amount to be paid over the life of the loan.",
- "type": "number"
- }
- },
- "required": [
- "monthlyPayment",
- "totalPayment",
- "totalInterest"
- ],
- "type": "object"
-}New value: +nullcalculate_mortgage_payment5 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "downPayment": {
- "description": "The amount paid upfront in USD.",
- "minimum": 0,
- "type": "number"
- },
- "homeInsurance": {
- "description": "The annual home insurance cost in USD.",
- "minimum": 0,
- "type": "number"
- },
- "interestRate": {
- "description": "The annual interest rate (e.g., 3.5 for 3.5%).",
- "minimum": 0,
- "type": "number"
- },
- "loanTermInYears": {
- "description": "The duration of the loan in years.",
- "exclusiveMinimum": 0,
- "maximum": 9007199254740991,
- "type": "integer"
- },
- "propertyTaxRate": {
- "description": "The annual property tax rate as a percentage (e.g., 1.2 for 1.2%).",
- "minimum": 0,
- "type": "number"
- },
- "propertyValue": {
- "description": "The total value of the property in USD.",
- "exclusiveMinimum": 0,
- "type": "number"
- }
-}Input schema / requiredRemoved value: -[
- "propertyValue",
- "downPayment",
- "interestRate",
- "loanTermInYears",
- "propertyTaxRate",
- "homeInsurance"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "loanAmount": {
- "description": "The total loan amount after down payment.",
- "type": "number"
- },
- "monthlyHomeInsurance": {
- "description": "The estimated monthly home insurance payment.",
- "type": "number"
- },
- "monthlyPropertyTax": {
- "description": "The estimated monthly property tax payment.",
- "type": "number"
- },
- "principalAndInterest": {
- "description": "The monthly payment for principal and interest.",
- "type": "number"
- },
- "totalMonthlyPayment": {
- "description": "The total estimated monthly payment (PITI).",
- "type": "number"
- }
- },
- "required": [
- "loanAmount",
- "principalAndInterest",
- "monthlyPropertyTax",
- "monthlyHomeInsurance",
- "totalMonthlyPayment"
- ],
- "type": "object"
-}New value: +nullcompare_business_banking4 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "industry": {
- "description": "The business's industry.",
- "type": "string"
- },
- "monthlyTransactions": {
- "description": "Estimated number of monthly transactions.",
- "type": "number"
- }
-}Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "metadata": {
- "additionalProperties": false,
- "properties": {
- "queryId": {
- "type": "string"
- },
- "sessionId": {
- "type": "string"
- },
- "timestamp": {
- "type": "string"
- }
- },
- "required": [
- "queryId",
- "timestamp"
- ],
- "type": "object"
- },
- "offers": {
- "items": {
- "additionalProperties": false,
- "properties": {
- "accountId": {
- "type": "string"
- },
- "apy": {
- "type": "string"
- },
- "bestFor": {
- "type": "string"
- },
- "bonus": {
- "type": "string"
- },
- "imageUrl": {
- "type": "string"
- },
- "interestRate": {
- "type": "string"
- },
- "issuer": {
- "type": "string"
- },
- "monthlyFee": {
- "type": "string"
- },
- "name": {
- "type": "string"
- },
- "rating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- }
- },
- "required": [
- "accountId",
- "name",
- "issuer",
- "imageUrl",
- "rating",
- "bestFor",
- "apy",
- "monthlyFee",
- "bonus"
- ],
- "type": "object"
- },
- "type": "array"
- }
- },
- "required": [
- "offers",
- "metadata"
- ],
- "type": "object"
-}New value: +nullcompare_business_credit_cards4 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "annualRevenue": {
- "description": "The business's annual revenue in USD.",
- "minimum": 0,
- "type": "number"
- },
- "businessAgeInYears": {
- "description": "The age of the business in years.",
- "minimum": 0,
- "type": "number"
- },
- "creditScore": {
- "description": "The applicant's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- }
-}Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "metadata": {
- "additionalProperties": false,
- "properties": {
- "queryId": {
- "type": "string"
- },
- "sessionId": {
- "type": "string"
- },
- "timestamp": {
- "type": "string"
- }
- },
- "required": [
- "queryId",
- "timestamp"
- ],
- "type": "object"
- },
- "offers": {
- "items": {
- "additionalProperties": false,
- "properties": {
- "cardId": {
- "type": "string"
- },
- "creditScoreRange": {
- "type": "string"
- },
- "imageUrl": {
- "type": "string"
- },
- "issuer": {
- "type": "string"
- },
- "name": {
- "type": "string"
- },
- "rating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- },
- "terms": {
- "additionalProperties": false,
- "properties": {
- "annualFee": {
- "type": "number"
- },
- "apr": {
- "type": "number"
- },
- "creditLimit": {
- "additionalProperties": false,
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- }
- },
- "required": [
- "apr",
- "annualFee",
- "creditLimit"
- ],
- "type": "object"
- },
- "welcomeBonus": {
- "type": "string"
- }
- },
- "required": [
- "cardId",
- "name",
- "issuer",
- "imageUrl",
- "rating",
- "creditScoreRange",
- "welcomeBonus",
- "terms"
- ],
- "type": "object"
- },
- "type": "array"
- }
- },
- "required": [
- "offers",
- "metadata"
- ],
- "type": "object"
-}New value: +nullcompare_business_loans5 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "annualRevenue": {
- "description": "The business's gross annual revenue in USD.",
- "minimum": 0,
- "type": "number"
- },
- "industry": {
- "description": "The industry the business operates in, e.g., 'technology'.",
- "type": "string"
- },
- "loanAmount": {
- "description": "The desired loan amount, e.g., 50000 for $50,000.",
- "minimum": 1000,
- "type": "number"
- },
- "purpose": {
- "description": "The reason for the loan, e.g., 'working capital'.",
- "type": "string"
- },
- "state": {
- "description": "The state where the business is located (2-letter code).",
- "type": "string"
- }
-}Input schema / requiredRemoved value: -[
- "loanAmount",
- "purpose"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "metadata": {
- "additionalProperties": false,
- "properties": {
- "queryId": {
- "type": "string"
- },
- "sessionId": {
- "type": "string"
- },
- "timestamp": {
- "type": "string"
- }
- },
- "required": [
- "queryId",
- "timestamp"
- ],
- "type": "object"
- },
- "offers": {
- "items": {
- "additionalProperties": false,
- "properties": {
- "disclaimer": {
- "description": "A disclaimer message, e.g., if the offer is an estimate.",
- "type": "string"
- },
- "fees": {
- "additionalProperties": false,
- "description": "Any fees associated with the loan.",
- "properties": {
- "origination": {
- "additionalProperties": false,
- "description": "Fee charged by the lender for processing the loan.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The origination fee amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "percentage": {
- "description": "The origination fee as a percentage of the loan amount.",
- "type": "number"
- }
- },
- "required": [
- "amount"
- ],
- "type": "object"
- }
- },
- "type": "object"
- },
- "isEstimate": {
- "description": "Indicates if the offer terms are an estimate and not a firm quote.",
- "type": "boolean"
- },
- "isSecureLendTenant": {
- "description": "Indicates if the offer is from a SecureLend-managed tenant.",
- "type": "boolean"
- },
- "lender": {
- "additionalProperties": false,
- "description": "Details about the lender providing the offer.",
- "properties": {
- "id": {
- "description": "The unique identifier for the lender.",
- "type": "string"
- },
- "name": {
- "description": "The display name of the lender.",
- "type": "string"
- },
- "type": {
- "description": "The type of lending institution (e.g., 'Bank', 'Credit Union').",
- "type": "string"
- }
- },
- "required": [
- "id",
- "name",
- "type"
- ],
- "type": "object"
- },
- "matching": {
- "additionalProperties": false,
- "description": "Information about how the offer was matched.",
- "properties": {
- "matchReasons": {
- "description": "Reasons for the match score.",
- "items": {
- "type": "string"
- },
- "type": "array"
- },
- "matchScore": {
- "description": "A score indicating how well the offer matches the search criteria.",
- "type": "number"
- }
- },
- "type": "object"
- },
- "offerId": {
- "description": "A unique identifier for this specific loan offer.",
- "type": "string"
- },
- "process": {
- "additionalProperties": false,
- "description": "Details about the application and funding process.",
- "properties": {
- "applicationMethod": {
- "description": "How to apply for the loan.",
- "enum": [
- "online",
- "phone",
- "in_person"
- ],
- "type": "string"
- },
- "applicationUrl": {
- "description": "The URL to the online application form.",
- "format": "uri",
- "type": "string"
- },
- "fundingSpeed": {
- "additionalProperties": false,
- "description": "Information on how quickly the loan is funded.",
- "properties": {
- "description": {
- "description": "Estimated time to receive funds.",
- "type": "string"
- }
- },
- "required": [
- "description"
- ],
- "type": "object"
- }
- },
- "required": [
- "applicationMethod"
- ],
- "type": "object"
- },
- "product": {
- "additionalProperties": false,
- "description": "Details about the financial product.",
- "properties": {
- "description": {
- "description": "A brief description of the product.",
- "type": "string"
- },
- "name": {
- "description": "The name of the financial product being offered.",
- "type": "string"
- },
- "type": {
- "description": "The category of the financial product.",
- "enum": [
- "INSTALLMENT_LOAN",
- "LINE_OF_CREDIT",
- "SHORT_TERM_CREDIT",
- "BNPL",
- "MORTGAGE",
- "AUTO_LOAN",
- "AUTO_REFINANCE",
- "STUDENT_LOAN",
- "STUDENT_LOAN_REFINANCE",
- "BUSINESS_LOAN",
- "BUSINESS_BANKING",
- "BUSINESS_CREDIT_CARD",
- "PERSONAL_BANKING",
- "SAVINGS_ACCOUNT",
- "PERSONAL_CREDIT_CARD"
- ],
- "type": "string"
- }
- },
- "required": [
- "name",
- "type"
- ],
- "type": "object"
- },
- "terms": {
- "additionalProperties": false,
- "description": "The terms and conditions of the loan offer.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The principal loan amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "interestRate": {
- "additionalProperties": false,
- "description": "Details about the interest rate.",
- "properties": {
- "apr": {
- "description": "The Annual Percentage Rate, including fees.",
- "type": "number"
- },
- "rate": {
- "description": "The nominal interest rate.",
- "type": "number"
- },
- "type": {
- "description": "The type of interest rate.",
- "enum": [
- "fixed",
- "variable"
- ],
- "type": "string"
- }
- },
- "required": [
- "type",
- "rate",
- "apr"
- ],
- "type": "object"
- },
- "payment": {
- "additionalProperties": false,
- "description": "Details about the repayment schedule.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The amount of each payment.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "frequency": {
- "const": "monthly",
- "description": "The frequency of payments.",
- "type": "string"
- }
- },
- "required": [
- "frequency",
- "amount"
- ],
- "type": "object"
- },
- "prepaymentPenalty": {
- "description": "Indicates if there is a penalty for early repayment.",
- "type": "boolean"
- },
- "repayment": {
- "additionalProperties": false,
- "description": "Summary of repayment details.",
- "properties": {
- "costOfFinancing": {
- "description": "The total cost of borrowing (interest and fees).",
- "type": "number"
- },
- "totalRepaymentAmount": {
- "description": "The total amount to be repaid over the life of the loan.",
- "type": "number"
- }
- },
- "required": [
- "totalRepaymentAmount",
- "costOfFinancing"
- ],
- "type": "object"
- },
- "termMonths": {
- "description": "The duration of the loan in months.",
- "type": "number"
- },
- "totalCost": {
- "additionalProperties": false,
- "description": "The total cost of the loan, including interest and fees.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- }
- },
- "required": [
- "amount",
- "interestRate",
- "termMonths"
- ],
- "type": "object"
- }
- },
- "required": [
- "offerId",
- "lender",
- "product",
- "terms",
- "process",
- "isSecureLendTenant"
- ],
- "type": "object"
- },
- "type": "array"
- },
- "summary": {
- "additionalProperties": false,
- "properties": {
- "bestRate": {
- "type": "number"
- },
- "fastestFunding": {
- "type": "string"
- },
- "totalOffers": {
- "type": "number"
- }
- },
- "required": [
- "totalOffers",
- "bestRate",
- "fastestFunding"
- ],
- "type": "object"
- }
- },
- "required": [
- "offers",
- "summary",
- "metadata"
- ],
- "type": "object"
-}New value: +nullcompare_business_mortgages5 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "creditScore": {
- "description": "The applicant's estimated credit score (500-850).",
- "maximum": 850,
- "minimum": 500,
- "type": "number"
- },
- "downPayment": {
- "description": "The amount of the down payment in USD.",
- "minimum": 0,
- "type": "number"
- },
- "homePrice": {
- "description": "The purchase price of the home in USD.",
- "maximum": 5000000,
- "minimum": 50000,
- "type": "number"
- },
- "loanAmount": {
- "description": "The desired mortgage loan amount in USD.",
- "maximum": 2000000,
- "minimum": 50000,
- "type": "number"
- },
- "loanType": {
- "description": "The type of mortgage loan.",
- "enum": [
- "conventional",
- "fha",
- "va",
- "jumbo",
- "refinance"
- ],
- "type": "string"
- },
- "propertyType": {
- "description": "The intended use of the property.",
- "enum": [
- "primary",
- "secondary",
- "investment"
- ],
- "type": "string"
- },
- "state": {
- "description": "The state where the property is located (2-letter code).",
- "type": "string"
- }
-}Input schema / requiredRemoved value: -[
- "loanAmount",
- "loanType"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "metadata": {
- "additionalProperties": false,
- "properties": {
- "queryId": {
- "type": "string"
- },
- "sessionId": {
- "type": "string"
- },
- "timestamp": {
- "type": "string"
- }
- },
- "required": [
- "queryId",
- "timestamp"
- ],
- "type": "object"
- },
- "offers": {
- "items": {
- "additionalProperties": false,
- "properties": {
- "disclaimer": {
- "description": "A disclaimer message, e.g., if the offer is an estimate.",
- "type": "string"
- },
- "fees": {
- "additionalProperties": false,
- "description": "Any fees associated with the loan.",
- "properties": {
- "origination": {
- "additionalProperties": false,
- "description": "Fee charged by the lender for processing the loan.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The origination fee amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "percentage": {
- "description": "The origination fee as a percentage of the loan amount.",
- "type": "number"
- }
- },
- "required": [
- "amount"
- ],
- "type": "object"
- }
- },
- "type": "object"
- },
- "isEstimate": {
- "description": "Indicates if the offer terms are an estimate and not a firm quote.",
- "type": "boolean"
- },
- "isSecureLendTenant": {
- "description": "Indicates if the offer is from a SecureLend-managed tenant.",
- "type": "boolean"
- },
- "lender": {
- "additionalProperties": false,
- "description": "Details about the lender providing the offer.",
- "properties": {
- "id": {
- "description": "The unique identifier for the lender.",
- "type": "string"
- },
- "name": {
- "description": "The display name of the lender.",
- "type": "string"
- },
- "type": {
- "description": "The type of lending institution (e.g., 'Bank', 'Credit Union').",
- "type": "string"
- }
- },
- "required": [
- "id",
- "name",
- "type"
- ],
- "type": "object"
- },
- "matching": {
- "additionalProperties": false,
- "description": "Information about how the offer was matched.",
- "properties": {
- "matchReasons": {
- "description": "Reasons for the match score.",
- "items": {
- "type": "string"
- },
- "type": "array"
- },
- "matchScore": {
- "description": "A score indicating how well the offer matches the search criteria.",
- "type": "number"
- }
- },
- "type": "object"
- },
- "offerId": {
- "description": "A unique identifier for this specific loan offer.",
- "type": "string"
- },
- "process": {
- "additionalProperties": false,
- "description": "Details about the application and funding process.",
- "properties": {
- "applicationMethod": {
- "description": "How to apply for the loan.",
- "enum": [
- "online",
- "phone",
- "in_person"
- ],
- "type": "string"
- },
- "applicationUrl": {
- "description": "The URL to the online application form.",
- "format": "uri",
- "type": "string"
- },
- "fundingSpeed": {
- "additionalProperties": false,
- "description": "Information on how quickly the loan is funded.",
- "properties": {
- "description": {
- "description": "Estimated time to receive funds.",
- "type": "string"
- }
- },
- "required": [
- "description"
- ],
- "type": "object"
- }
- },
- "required": [
- "applicationMethod"
- ],
- "type": "object"
- },
- "product": {
- "additionalProperties": false,
- "description": "Details about the financial product.",
- "properties": {
- "description": {
- "description": "A brief description of the product.",
- "type": "string"
- },
- "name": {
- "description": "The name of the financial product being offered.",
- "type": "string"
- },
- "type": {
- "description": "The category of the financial product.",
- "enum": [
- "INSTALLMENT_LOAN",
- "LINE_OF_CREDIT",
- "SHORT_TERM_CREDIT",
- "BNPL",
- "MORTGAGE",
- "AUTO_LOAN",
- "AUTO_REFINANCE",
- "STUDENT_LOAN",
- "STUDENT_LOAN_REFINANCE",
- "BUSINESS_LOAN",
- "BUSINESS_BANKING",
- "BUSINESS_CREDIT_CARD",
- "PERSONAL_BANKING",
- "SAVINGS_ACCOUNT",
- "PERSONAL_CREDIT_CARD"
- ],
- "type": "string"
- }
- },
- "required": [
- "name",
- "type"
- ],
- "type": "object"
- },
- "terms": {
- "additionalProperties": false,
- "description": "The terms and conditions of the loan offer.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The principal loan amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "interestRate": {
- "additionalProperties": false,
- "description": "Details about the interest rate.",
- "properties": {
- "apr": {
- "description": "The Annual Percentage Rate, including fees.",
- "type": "number"
- },
- "rate": {
- "description": "The nominal interest rate.",
- "type": "number"
- },
- "type": {
- "description": "The type of interest rate.",
- "enum": [
- "fixed",
- "variable"
- ],
- "type": "string"
- }
- },
- "required": [
- "type",
- "rate",
- "apr"
- ],
- "type": "object"
- },
- "payment": {
- "additionalProperties": false,
- "description": "Details about the repayment schedule.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The amount of each payment.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "frequency": {
- "const": "monthly",
- "description": "The frequency of payments.",
- "type": "string"
- }
- },
- "required": [
- "frequency",
- "amount"
- ],
- "type": "object"
- },
- "prepaymentPenalty": {
- "description": "Indicates if there is a penalty for early repayment.",
- "type": "boolean"
- },
- "repayment": {
- "additionalProperties": false,
- "description": "Summary of repayment details.",
- "properties": {
- "costOfFinancing": {
- "description": "The total cost of borrowing (interest and fees).",
- "type": "number"
- },
- "totalRepaymentAmount": {
- "description": "The total amount to be repaid over the life of the loan.",
- "type": "number"
- }
- },
- "required": [
- "totalRepaymentAmount",
- "costOfFinancing"
- ],
- "type": "object"
- },
- "termMonths": {
- "description": "The duration of the loan in months.",
- "type": "number"
- },
- "totalCost": {
- "additionalProperties": false,
- "description": "The total cost of the loan, including interest and fees.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- }
- },
- "required": [
- "amount",
- "interestRate",
- "termMonths"
- ],
- "type": "object"
- }
- },
- "required": [
- "offerId",
- "lender",
- "product",
- "terms",
- "process",
- "isSecureLendTenant"
- ],
- "type": "object"
- },
- "type": "array"
- },
- "summary": {
- "additionalProperties": false,
- "properties": {
- "bestRate": {
- "type": "number"
- },
- "fastestFunding": {
- "type": "string"
- },
- "totalOffers": {
- "type": "number"
- }
- },
- "required": [
- "totalOffers",
- "bestRate",
- "fastestFunding"
- ],
- "type": "object"
- }
- },
- "required": [
- "offers",
- "summary",
- "metadata"
- ],
- "type": "object"
-}New value: +nullcompare_car_loans5 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "creditScore": {
- "description": "The applicant's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "isNew": {
- "description": "Specifies if the vehicle is new (true) or used (false).",
- "type": "boolean"
- },
- "loanAmount": {
- "description": "The desired auto loan amount in USD.",
- "maximum": 100000,
- "minimum": 1000,
- "type": "number"
- },
- "state": {
- "description": "The applicant's state of residence (2-letter code).",
- "type": "string"
- }
-}Input schema / requiredRemoved value: -[
- "loanAmount",
- "isNew"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "metadata": {
- "additionalProperties": false,
- "properties": {
- "queryId": {
- "type": "string"
- },
- "sessionId": {
- "type": "string"
- },
- "timestamp": {
- "type": "string"
- }
- },
- "required": [
- "queryId",
- "timestamp"
- ],
- "type": "object"
- },
- "offers": {
- "items": {
- "additionalProperties": false,
- "properties": {
- "disclaimer": {
- "description": "A disclaimer message, e.g., if the offer is an estimate.",
- "type": "string"
- },
- "fees": {
- "additionalProperties": false,
- "description": "Any fees associated with the loan.",
- "properties": {
- "origination": {
- "additionalProperties": false,
- "description": "Fee charged by the lender for processing the loan.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The origination fee amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "percentage": {
- "description": "The origination fee as a percentage of the loan amount.",
- "type": "number"
- }
- },
- "required": [
- "amount"
- ],
- "type": "object"
- }
- },
- "type": "object"
- },
- "isEstimate": {
- "description": "Indicates if the offer terms are an estimate and not a firm quote.",
- "type": "boolean"
- },
- "isSecureLendTenant": {
- "description": "Indicates if the offer is from a SecureLend-managed tenant.",
- "type": "boolean"
- },
- "lender": {
- "additionalProperties": false,
- "description": "Details about the lender providing the offer.",
- "properties": {
- "id": {
- "description": "The unique identifier for the lender.",
- "type": "string"
- },
- "name": {
- "description": "The display name of the lender.",
- "type": "string"
- },
- "type": {
- "description": "The type of lending institution (e.g., 'Bank', 'Credit Union').",
- "type": "string"
- }
- },
- "required": [
- "id",
- "name",
- "type"
- ],
- "type": "object"
- },
- "matching": {
- "additionalProperties": false,
- "description": "Information about how the offer was matched.",
- "properties": {
- "matchReasons": {
- "description": "Reasons for the match score.",
- "items": {
- "type": "string"
- },
- "type": "array"
- },
- "matchScore": {
- "description": "A score indicating how well the offer matches the search criteria.",
- "type": "number"
- }
- },
- "type": "object"
- },
- "offerId": {
- "description": "A unique identifier for this specific loan offer.",
- "type": "string"
- },
- "process": {
- "additionalProperties": false,
- "description": "Details about the application and funding process.",
- "properties": {
- "applicationMethod": {
- "description": "How to apply for the loan.",
- "enum": [
- "online",
- "phone",
- "in_person"
- ],
- "type": "string"
- },
- "applicationUrl": {
- "description": "The URL to the online application form.",
- "format": "uri",
- "type": "string"
- },
- "fundingSpeed": {
- "additionalProperties": false,
- "description": "Information on how quickly the loan is funded.",
- "properties": {
- "description": {
- "description": "Estimated time to receive funds.",
- "type": "string"
- }
- },
- "required": [
- "description"
- ],
- "type": "object"
- }
- },
- "required": [
- "applicationMethod"
- ],
- "type": "object"
- },
- "product": {
- "additionalProperties": false,
- "description": "Details about the financial product.",
- "properties": {
- "description": {
- "description": "A brief description of the product.",
- "type": "string"
- },
- "name": {
- "description": "The name of the financial product being offered.",
- "type": "string"
- },
- "type": {
- "description": "The category of the financial product.",
- "enum": [
- "INSTALLMENT_LOAN",
- "LINE_OF_CREDIT",
- "SHORT_TERM_CREDIT",
- "BNPL",
- "MORTGAGE",
- "AUTO_LOAN",
- "AUTO_REFINANCE",
- "STUDENT_LOAN",
- "STUDENT_LOAN_REFINANCE",
- "BUSINESS_LOAN",
- "BUSINESS_BANKING",
- "BUSINESS_CREDIT_CARD",
- "PERSONAL_BANKING",
- "SAVINGS_ACCOUNT",
- "PERSONAL_CREDIT_CARD"
- ],
- "type": "string"
- }
- },
- "required": [
- "name",
- "type"
- ],
- "type": "object"
- },
- "terms": {
- "additionalProperties": false,
- "description": "The terms and conditions of the loan offer.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The principal loan amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "interestRate": {
- "additionalProperties": false,
- "description": "Details about the interest rate.",
- "properties": {
- "apr": {
- "description": "The Annual Percentage Rate, including fees.",
- "type": "number"
- },
- "rate": {
- "description": "The nominal interest rate.",
- "type": "number"
- },
- "type": {
- "description": "The type of interest rate.",
- "enum": [
- "fixed",
- "variable"
- ],
- "type": "string"
- }
- },
- "required": [
- "type",
- "rate",
- "apr"
- ],
- "type": "object"
- },
- "payment": {
- "additionalProperties": false,
- "description": "Details about the repayment schedule.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The amount of each payment.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "frequency": {
- "const": "monthly",
- "description": "The frequency of payments.",
- "type": "string"
- }
- },
- "required": [
- "frequency",
- "amount"
- ],
- "type": "object"
- },
- "prepaymentPenalty": {
- "description": "Indicates if there is a penalty for early repayment.",
- "type": "boolean"
- },
- "repayment": {
- "additionalProperties": false,
- "description": "Summary of repayment details.",
- "properties": {
- "costOfFinancing": {
- "description": "The total cost of borrowing (interest and fees).",
- "type": "number"
- },
- "totalRepaymentAmount": {
- "description": "The total amount to be repaid over the life of the loan.",
- "type": "number"
- }
- },
- "required": [
- "totalRepaymentAmount",
- "costOfFinancing"
- ],
- "type": "object"
- },
- "termMonths": {
- "description": "The duration of the loan in months.",
- "type": "number"
- },
- "totalCost": {
- "additionalProperties": false,
- "description": "The total cost of the loan, including interest and fees.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- }
- },
- "required": [
- "amount",
- "interestRate",
- "termMonths"
- ],
- "type": "object"
- }
- },
- "required": [
- "offerId",
- "lender",
- "product",
- "terms",
- "process",
- "isSecureLendTenant"
- ],
- "type": "object"
- },
- "type": "array"
- },
- "summary": {
- "additionalProperties": false,
- "properties": {
- "bestRate": {
- "type": "number"
- },
- "fastestFunding": {
- "type": "string"
- },
- "totalOffers": {
- "type": "number"
- }
- },
- "required": [
- "totalOffers",
- "bestRate",
- "fastestFunding"
- ],
- "type": "object"
- }
- },
- "required": [
- "offers",
- "summary",
- "metadata"
- ],
- "type": "object"
-}New value: +nullcompare_lease_vs_purchase5 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "acquisitionFee": {
- "default": 0,
- "description": "Fee charged by the lessor to initiate the lease in USD.",
- "minimum": 0,
- "type": "number"
- },
- "downPayment": {
- "description": "Upfront payment amount for purchase in USD.",
- "minimum": 0,
- "type": "number"
- },
- "expectedOwnershipInMonths": {
- "description": "How long you plan to keep the vehicle, in months.",
- "exclusiveMinimum": 0,
- "maximum": 9007199254740991,
- "type": "integer"
- },
- "interestRate": {
- "description": "Annual interest rate for purchase loan (e.g., 5 for 5%).",
- "minimum": 0,
- "type": "number"
- },
- "leaseTermInMonths": {
- "description": "Lease duration in months.",
- "exclusiveMinimum": 0,
- "maximum": 9007199254740991,
- "type": "integer"
- },
- "loanTermInMonths": {
- "description": "Loan duration in months for purchase.",
- "exclusiveMinimum": 0,
- "maximum": 9007199254740991,
- "type": "integer"
- },
- "moneyFactor": {
- "description": "The money factor for the lease (similar to interest rate).",
- "exclusiveMinimum": 0,
- "type": "number"
- },
- "monthlyLeasePayment": {
- "description": "Monthly payment for the lease in USD.",
- "exclusiveMinimum": 0,
- "type": "number"
- },
- "purchasePrice": {
- "description": "Total price of the vehicle for purchase in USD.",
- "exclusiveMinimum": 0,
- "type": "number"
- },
- "residualValuePercentage": {
- "description": "Estimated value of the vehicle at the end of the lease, as a percentage of MSRP.",
- "maximum": 100,
- "minimum": 0,
- "type": "number"
- },
- "salesTaxRate": {
- "description": "Sales tax rate as a percentage (e.g., 7.5 for 7.5%).",
- "minimum": 0,
- "type": "number"
- },
- "securityDeposit": {
- "default": 0,
- "description": "Refundable deposit paid at the start of the lease in USD.",
- "minimum": 0,
- "type": "number"
- }
-}Input schema / requiredRemoved value: -[
- "purchasePrice",
- "downPayment",
- "loanTermInMonths",
- "interestRate",
- "salesTaxRate",
- "leaseTermInMonths",
- "monthlyLeasePayment",
- "moneyFactor",
- "residualValuePercentage",
- "expectedOwnershipInMonths"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "comparison": {
- "additionalProperties": false,
- "properties": {
- "leaseCostIsLowerBy": {
- "type": "number"
- },
- "purchaseCostIsLowerBy": {
- "type": "number"
- },
- "recommendation": {
- "type": "string"
- }
- },
- "required": [
- "purchaseCostIsLowerBy",
- "leaseCostIsLowerBy",
- "recommendation"
- ],
- "type": "object"
- },
- "leaseAnalysis": {
- "additionalProperties": false,
- "properties": {
- "totalCostOfLeasing": {
- "type": "number"
- },
- "totalLeasePayments": {
- "type": "number"
- },
- "totalUpfrontCosts": {
- "type": "number"
- }
- },
- "required": [
- "totalLeasePayments",
- "totalUpfrontCosts",
- "totalCostOfLeasing"
- ],
- "type": "object"
- },
- "purchaseAnalysis": {
- "additionalProperties": false,
- "properties": {
- "equityAfterOwnership": {
- "type": "number"
- },
- "monthlyPayment": {
- "type": "number"
- },
- "totalCostOfOwnership": {
- "type": "number"
- },
- "totalInterestPaid": {
- "type": "number"
- },
- "totalLoanPayment": {
- "type": "number"
- },
- "totalSalesTax": {
- "type": "number"
- }
- },
- "required": [
- "totalLoanPayment",
- "totalInterestPaid",
- "totalSalesTax",
- "equityAfterOwnership",
- "totalCostOfOwnership",
- "monthlyPayment"
- ],
- "type": "object"
- }
- },
- "required": [
- "purchaseAnalysis",
- "leaseAnalysis",
- "comparison"
- ],
- "type": "object"
-}New value: +nullcompare_personal_banking4 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "features": {
- "description": "Desired account features.",
- "items": {
- "type": "string"
- },
- "type": "array"
- }
-}Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "metadata": {
- "additionalProperties": false,
- "properties": {
- "queryId": {
- "type": "string"
- },
- "sessionId": {
- "type": "string"
- },
- "timestamp": {
- "type": "string"
- }
- },
- "required": [
- "queryId",
- "timestamp"
- ],
- "type": "object"
- },
- "offers": {
- "items": {
- "additionalProperties": false,
- "properties": {
- "accountId": {
- "type": "string"
- },
- "apy": {
- "type": "string"
- },
- "bestFor": {
- "type": "string"
- },
- "bonus": {
- "type": "string"
- },
- "imageUrl": {
- "type": "string"
- },
- "interestRate": {
- "type": "string"
- },
- "issuer": {
- "type": "string"
- },
- "monthlyFee": {
- "type": "string"
- },
- "name": {
- "type": "string"
- },
- "overdraftRating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- },
- "rating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- }
- },
- "required": [
- "accountId",
- "name",
- "issuer",
- "imageUrl",
- "rating",
- "bestFor",
- "apy",
- "bonus",
- "monthlyFee",
- "overdraftRating"
- ],
- "type": "object"
- },
- "type": "array"
- }
- },
- "required": [
- "offers",
- "metadata"
- ],
- "type": "object"
-}New value: +nullcompare_personal_credit_cards4 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "creditScore": {
- "description": "The applicant's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "rewardsType": {
- "description": "Preferred rewards type.",
- "enum": [
- "cash_back",
- "travel",
- "points"
- ],
- "type": "string"
- }
-}Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "metadata": {
- "additionalProperties": false,
- "properties": {
- "queryId": {
- "type": "string"
- },
- "sessionId": {
- "type": "string"
- },
- "timestamp": {
- "type": "string"
- }
- },
- "required": [
- "queryId",
- "timestamp"
- ],
- "type": "object"
- },
- "offers": {
- "items": {
- "additionalProperties": false,
- "properties": {
- "bestFor": {
- "type": "string"
- },
- "cardId": {
- "type": "string"
- },
- "imageUrl": {
- "type": "string"
- },
- "introOffer": {
- "type": "string"
- },
- "issuer": {
- "type": "string"
- },
- "name": {
- "type": "string"
- },
- "rating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- },
- "recommendedCreditScore": {
- "type": "string"
- },
- "rewardsRate": {
- "type": "string"
- },
- "terms": {
- "additionalProperties": false,
- "properties": {
- "apr": {
- "additionalProperties": false,
- "properties": {
- "balanceTransfer": {
- "type": "number"
- },
- "penalty": {
- "type": "number"
- },
- "purchase": {
- "type": "number"
- }
- },
- "required": [
- "purchase",
- "balanceTransfer"
- ],
- "type": "object"
- },
- "fees": {
- "additionalProperties": false,
- "properties": {
- "annual": {
- "type": "number"
- }
- },
- "required": [
- "annual"
- ],
- "type": "object"
- }
- },
- "required": [
- "apr",
- "fees"
- ],
- "type": "object"
- }
- },
- "required": [
- "cardId",
- "name",
- "issuer",
- "imageUrl",
- "rating",
- "bestFor",
- "rewardsRate",
- "introOffer",
- "recommendedCreditScore",
- "terms"
- ],
- "type": "object"
- },
- "type": "array"
- }
- },
- "required": [
- "offers",
- "metadata"
- ],
- "type": "object"
-}New value: +nullcompare_personal_loans5 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "creditScore": {
- "description": "The applicant's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "employmentStatus": {
- "description": "The applicant's employment status.",
- "enum": [
- "employed",
- "self_employed",
- "retired",
- "unemployed"
- ],
- "type": "string"
- },
- "loanAmount": {
- "description": "The desired loan amount in USD (e.g., 25000).",
- "maximum": 100000,
- "minimum": 1000,
- "type": "number"
- },
- "monthlyIncome": {
- "description": "Applicant's gross monthly income in USD.",
- "minimum": 0,
- "type": "number"
- },
- "purpose": {
- "description": "The purpose of the loan.",
- "enum": [
- "debt_consolidation",
- "home_improvement",
- "major_purchase",
- "medical",
- "vacation",
- "other"
- ],
- "type": "string"
- },
- "state": {
- "description": "The applicant's state of residence (2-letter code).",
- "type": "string"
- }
-}Input schema / requiredRemoved value: -[
- "loanAmount",
- "purpose"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "metadata": {
- "additionalProperties": false,
- "properties": {
- "queryId": {
- "type": "string"
- },
- "sessionId": {
- "type": "string"
- },
- "timestamp": {
- "type": "string"
- }
- },
- "required": [
- "queryId",
- "timestamp"
- ],
- "type": "object"
- },
- "offers": {
- "items": {
- "additionalProperties": false,
- "properties": {
- "disclaimer": {
- "description": "A disclaimer message, e.g., if the offer is an estimate.",
- "type": "string"
- },
- "fees": {
- "additionalProperties": false,
- "description": "Any fees associated with the loan.",
- "properties": {
- "origination": {
- "additionalProperties": false,
- "description": "Fee charged by the lender for processing the loan.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The origination fee amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "percentage": {
- "description": "The origination fee as a percentage of the loan amount.",
- "type": "number"
- }
- },
- "required": [
- "amount"
- ],
- "type": "object"
- }
- },
- "type": "object"
- },
- "isEstimate": {
- "description": "Indicates if the offer terms are an estimate and not a firm quote.",
- "type": "boolean"
- },
- "isSecureLendTenant": {
- "description": "Indicates if the offer is from a SecureLend-managed tenant.",
- "type": "boolean"
- },
- "lender": {
- "additionalProperties": false,
- "description": "Details about the lender providing the offer.",
- "properties": {
- "id": {
- "description": "The unique identifier for the lender.",
- "type": "string"
- },
- "name": {
- "description": "The display name of the lender.",
- "type": "string"
- },
- "type": {
- "description": "The type of lending institution (e.g., 'Bank', 'Credit Union').",
- "type": "string"
- }
- },
- "required": [
- "id",
- "name",
- "type"
- ],
- "type": "object"
- },
- "matching": {
- "additionalProperties": false,
- "description": "Information about how the offer was matched.",
- "properties": {
- "matchReasons": {
- "description": "Reasons for the match score.",
- "items": {
- "type": "string"
- },
- "type": "array"
- },
- "matchScore": {
- "description": "A score indicating how well the offer matches the search criteria.",
- "type": "number"
- }
- },
- "type": "object"
- },
- "offerId": {
- "description": "A unique identifier for this specific loan offer.",
- "type": "string"
- },
- "process": {
- "additionalProperties": false,
- "description": "Details about the application and funding process.",
- "properties": {
- "applicationMethod": {
- "description": "How to apply for the loan.",
- "enum": [
- "online",
- "phone",
- "in_person"
- ],
- "type": "string"
- },
- "applicationUrl": {
- "description": "The URL to the online application form.",
- "format": "uri",
- "type": "string"
- },
- "fundingSpeed": {
- "additionalProperties": false,
- "description": "Information on how quickly the loan is funded.",
- "properties": {
- "description": {
- "description": "Estimated time to receive funds.",
- "type": "string"
- }
- },
- "required": [
- "description"
- ],
- "type": "object"
- }
- },
- "required": [
- "applicationMethod"
- ],
- "type": "object"
- },
- "product": {
- "additionalProperties": false,
- "description": "Details about the financial product.",
- "properties": {
- "description": {
- "description": "A brief description of the product.",
- "type": "string"
- },
- "name": {
- "description": "The name of the financial product being offered.",
- "type": "string"
- },
- "type": {
- "description": "The category of the financial product.",
- "enum": [
- "INSTALLMENT_LOAN",
- "LINE_OF_CREDIT",
- "SHORT_TERM_CREDIT",
- "BNPL",
- "MORTGAGE",
- "AUTO_LOAN",
- "AUTO_REFINANCE",
- "STUDENT_LOAN",
- "STUDENT_LOAN_REFINANCE",
- "BUSINESS_LOAN",
- "BUSINESS_BANKING",
- "BUSINESS_CREDIT_CARD",
- "PERSONAL_BANKING",
- "SAVINGS_ACCOUNT",
- "PERSONAL_CREDIT_CARD"
- ],
- "type": "string"
- }
- },
- "required": [
- "name",
- "type"
- ],
- "type": "object"
- },
- "terms": {
- "additionalProperties": false,
- "description": "The terms and conditions of the loan offer.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The principal loan amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "interestRate": {
- "additionalProperties": false,
- "description": "Details about the interest rate.",
- "properties": {
- "apr": {
- "description": "The Annual Percentage Rate, including fees.",
- "type": "number"
- },
- "rate": {
- "description": "The nominal interest rate.",
- "type": "number"
- },
- "type": {
- "description": "The type of interest rate.",
- "enum": [
- "fixed",
- "variable"
- ],
- "type": "string"
- }
- },
- "required": [
- "type",
- "rate",
- "apr"
- ],
- "type": "object"
- },
- "payment": {
- "additionalProperties": false,
- "description": "Details about the repayment schedule.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The amount of each payment.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "frequency": {
- "const": "monthly",
- "description": "The frequency of payments.",
- "type": "string"
- }
- },
- "required": [
- "frequency",
- "amount"
- ],
- "type": "object"
- },
- "prepaymentPenalty": {
- "description": "Indicates if there is a penalty for early repayment.",
- "type": "boolean"
- },
- "repayment": {
- "additionalProperties": false,
- "description": "Summary of repayment details.",
- "properties": {
- "costOfFinancing": {
- "description": "The total cost of borrowing (interest and fees).",
- "type": "number"
- },
- "totalRepaymentAmount": {
- "description": "The total amount to be repaid over the life of the loan.",
- "type": "number"
- }
- },
- "required": [
- "totalRepaymentAmount",
- "costOfFinancing"
- ],
- "type": "object"
- },
- "termMonths": {
- "description": "The duration of the loan in months.",
- "type": "number"
- },
- "totalCost": {
- "additionalProperties": false,
- "description": "The total cost of the loan, including interest and fees.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- }
- },
- "required": [
- "amount",
- "interestRate",
- "termMonths"
- ],
- "type": "object"
- }
- },
- "required": [
- "offerId",
- "lender",
- "product",
- "terms",
- "process",
- "isSecureLendTenant"
- ],
- "type": "object"
- },
- "type": "array"
- },
- "summary": {
- "additionalProperties": false,
- "properties": {
- "bestRate": {
- "type": "number"
- },
- "fastestFunding": {
- "type": "string"
- },
- "totalOffers": {
- "type": "number"
- }
- },
- "required": [
- "totalOffers",
- "bestRate",
- "fastestFunding"
- ],
- "type": "object"
- }
- },
- "required": [
- "offers",
- "summary",
- "metadata"
- ],
- "type": "object"
-}New value: +nullcompare_personal_mortgages5 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "creditScore": {
- "description": "The applicant's estimated credit score (500-850).",
- "maximum": 850,
- "minimum": 500,
- "type": "number"
- },
- "downPayment": {
- "description": "The amount of the down payment in USD.",
- "minimum": 0,
- "type": "number"
- },
- "homePrice": {
- "description": "The purchase price of the home in USD.",
- "maximum": 5000000,
- "minimum": 50000,
- "type": "number"
- },
- "loanAmount": {
- "description": "The desired mortgage loan amount in USD.",
- "maximum": 2000000,
- "minimum": 50000,
- "type": "number"
- },
- "loanType": {
- "description": "The type of mortgage loan.",
- "enum": [
- "conventional",
- "fha",
- "va",
- "jumbo",
- "refinance"
- ],
- "type": "string"
- },
- "propertyType": {
- "description": "The intended use of the property.",
- "enum": [
- "primary",
- "secondary",
- "investment"
- ],
- "type": "string"
- },
- "state": {
- "description": "The state where the property is located (2-letter code).",
- "type": "string"
- }
-}Input schema / requiredRemoved value: -[
- "loanAmount",
- "loanType"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "metadata": {
- "additionalProperties": false,
- "properties": {
- "queryId": {
- "type": "string"
- },
- "sessionId": {
- "type": "string"
- },
- "timestamp": {
- "type": "string"
- }
- },
- "required": [
- "queryId",
- "timestamp"
- ],
- "type": "object"
- },
- "offers": {
- "items": {
- "additionalProperties": false,
- "properties": {
- "disclaimer": {
- "description": "A disclaimer message, e.g., if the offer is an estimate.",
- "type": "string"
- },
- "fees": {
- "additionalProperties": false,
- "description": "Any fees associated with the loan.",
- "properties": {
- "origination": {
- "additionalProperties": false,
- "description": "Fee charged by the lender for processing the loan.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The origination fee amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "percentage": {
- "description": "The origination fee as a percentage of the loan amount.",
- "type": "number"
- }
- },
- "required": [
- "amount"
- ],
- "type": "object"
- }
- },
- "type": "object"
- },
- "isEstimate": {
- "description": "Indicates if the offer terms are an estimate and not a firm quote.",
- "type": "boolean"
- },
- "isSecureLendTenant": {
- "description": "Indicates if the offer is from a SecureLend-managed tenant.",
- "type": "boolean"
- },
- "lender": {
- "additionalProperties": false,
- "description": "Details about the lender providing the offer.",
- "properties": {
- "id": {
- "description": "The unique identifier for the lender.",
- "type": "string"
- },
- "name": {
- "description": "The display name of the lender.",
- "type": "string"
- },
- "type": {
- "description": "The type of lending institution (e.g., 'Bank', 'Credit Union').",
- "type": "string"
- }
- },
- "required": [
- "id",
- "name",
- "type"
- ],
- "type": "object"
- },
- "matching": {
- "additionalProperties": false,
- "description": "Information about how the offer was matched.",
- "properties": {
- "matchReasons": {
- "description": "Reasons for the match score.",
- "items": {
- "type": "string"
- },
- "type": "array"
- },
- "matchScore": {
- "description": "A score indicating how well the offer matches the search criteria.",
- "type": "number"
- }
- },
- "type": "object"
- },
- "offerId": {
- "description": "A unique identifier for this specific loan offer.",
- "type": "string"
- },
- "process": {
- "additionalProperties": false,
- "description": "Details about the application and funding process.",
- "properties": {
- "applicationMethod": {
- "description": "How to apply for the loan.",
- "enum": [
- "online",
- "phone",
- "in_person"
- ],
- "type": "string"
- },
- "applicationUrl": {
- "description": "The URL to the online application form.",
- "format": "uri",
- "type": "string"
- },
- "fundingSpeed": {
- "additionalProperties": false,
- "description": "Information on how quickly the loan is funded.",
- "properties": {
- "description": {
- "description": "Estimated time to receive funds.",
- "type": "string"
- }
- },
- "required": [
- "description"
- ],
- "type": "object"
- }
- },
- "required": [
- "applicationMethod"
- ],
- "type": "object"
- },
- "product": {
- "additionalProperties": false,
- "description": "Details about the financial product.",
- "properties": {
- "description": {
- "description": "A brief description of the product.",
- "type": "string"
- },
- "name": {
- "description": "The name of the financial product being offered.",
- "type": "string"
- },
- "type": {
- "description": "The category of the financial product.",
- "enum": [
- "INSTALLMENT_LOAN",
- "LINE_OF_CREDIT",
- "SHORT_TERM_CREDIT",
- "BNPL",
- "MORTGAGE",
- "AUTO_LOAN",
- "AUTO_REFINANCE",
- "STUDENT_LOAN",
- "STUDENT_LOAN_REFINANCE",
- "BUSINESS_LOAN",
- "BUSINESS_BANKING",
- "BUSINESS_CREDIT_CARD",
- "PERSONAL_BANKING",
- "SAVINGS_ACCOUNT",
- "PERSONAL_CREDIT_CARD"
- ],
- "type": "string"
- }
- },
- "required": [
- "name",
- "type"
- ],
- "type": "object"
- },
- "terms": {
- "additionalProperties": false,
- "description": "The terms and conditions of the loan offer.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The principal loan amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "interestRate": {
- "additionalProperties": false,
- "description": "Details about the interest rate.",
- "properties": {
- "apr": {
- "description": "The Annual Percentage Rate, including fees.",
- "type": "number"
- },
- "rate": {
- "description": "The nominal interest rate.",
- "type": "number"
- },
- "type": {
- "description": "The type of interest rate.",
- "enum": [
- "fixed",
- "variable"
- ],
- "type": "string"
- }
- },
- "required": [
- "type",
- "rate",
- "apr"
- ],
- "type": "object"
- },
- "payment": {
- "additionalProperties": false,
- "description": "Details about the repayment schedule.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The amount of each payment.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "frequency": {
- "const": "monthly",
- "description": "The frequency of payments.",
- "type": "string"
- }
- },
- "required": [
- "frequency",
- "amount"
- ],
- "type": "object"
- },
- "prepaymentPenalty": {
- "description": "Indicates if there is a penalty for early repayment.",
- "type": "boolean"
- },
- "repayment": {
- "additionalProperties": false,
- "description": "Summary of repayment details.",
- "properties": {
- "costOfFinancing": {
- "description": "The total cost of borrowing (interest and fees).",
- "type": "number"
- },
- "totalRepaymentAmount": {
- "description": "The total amount to be repaid over the life of the loan.",
- "type": "number"
- }
- },
- "required": [
- "totalRepaymentAmount",
- "costOfFinancing"
- ],
- "type": "object"
- },
- "termMonths": {
- "description": "The duration of the loan in months.",
- "type": "number"
- },
- "totalCost": {
- "additionalProperties": false,
- "description": "The total cost of the loan, including interest and fees.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- }
- },
- "required": [
- "amount",
- "interestRate",
- "termMonths"
- ],
- "type": "object"
- }
- },
- "required": [
- "offerId",
- "lender",
- "product",
- "terms",
- "process",
- "isSecureLendTenant"
- ],
- "type": "object"
- },
- "type": "array"
- },
- "summary": {
- "additionalProperties": false,
- "properties": {
- "bestRate": {
- "type": "number"
- },
- "fastestFunding": {
- "type": "string"
- },
- "totalOffers": {
- "type": "number"
- }
- },
- "required": [
- "totalOffers",
- "bestRate",
- "fastestFunding"
- ],
- "type": "object"
- }
- },
- "required": [
- "offers",
- "summary",
- "metadata"
- ],
- "type": "object"
-}New value: +nullcompare_savings_accounts4 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "initialDeposit": {
- "description": "The initial deposit amount in USD.",
- "type": "number"
- }
-}Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "metadata": {
- "additionalProperties": false,
- "properties": {
- "queryId": {
- "type": "string"
- },
- "sessionId": {
- "type": "string"
- },
- "timestamp": {
- "type": "string"
- }
- },
- "required": [
- "queryId",
- "timestamp"
- ],
- "type": "object"
- },
- "offers": {
- "items": {
- "additionalProperties": false,
- "properties": {
- "accountId": {
- "type": "string"
- },
- "apy": {
- "type": "string"
- },
- "imageUrl": {
- "type": "string"
- },
- "interestRate": {
- "type": "string"
- },
- "issuer": {
- "type": "string"
- },
- "minBalanceForApy": {
- "type": "string"
- },
- "monthlyFee": {
- "type": "string"
- },
- "name": {
- "type": "string"
- },
- "rating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- }
- },
- "required": [
- "accountId",
- "name",
- "issuer",
- "imageUrl",
- "rating",
- "apy",
- "minBalanceForApy",
- "monthlyFee"
- ],
- "type": "object"
- },
- "type": "array"
- }
- },
- "required": [
- "offers",
- "metadata"
- ],
- "type": "object"
-}New value: +nullcompare_student_loans5 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "coSignerCreditScore": {
- "description": "The co-signer's estimated credit score (300-850), if applicable.",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "creditScore": {
- "description": "The student's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "degreeType": {
- "description": "The type of degree the loan is for.",
- "enum": [
- "undergraduate",
- "graduate",
- "mba",
- "medical",
- "law"
- ],
- "type": "string"
- },
- "loanAmount": {
- "description": "The total amount needed for the student loan in USD.",
- "maximum": 250000,
- "minimum": 1000,
- "type": "number"
- },
- "state": {
- "description": "The student's state of residence (2-letter code).",
- "type": "string"
- }
-}Input schema / requiredRemoved value: -[
- "loanAmount",
- "degreeType"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "metadata": {
- "additionalProperties": false,
- "properties": {
- "queryId": {
- "type": "string"
- },
- "sessionId": {
- "type": "string"
- },
- "timestamp": {
- "type": "string"
- }
- },
- "required": [
- "queryId",
- "timestamp"
- ],
- "type": "object"
- },
- "offers": {
- "items": {
- "additionalProperties": false,
- "properties": {
- "disclaimer": {
- "description": "A disclaimer message, e.g., if the offer is an estimate.",
- "type": "string"
- },
- "fees": {
- "additionalProperties": false,
- "description": "Any fees associated with the loan.",
- "properties": {
- "origination": {
- "additionalProperties": false,
- "description": "Fee charged by the lender for processing the loan.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The origination fee amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "percentage": {
- "description": "The origination fee as a percentage of the loan amount.",
- "type": "number"
- }
- },
- "required": [
- "amount"
- ],
- "type": "object"
- }
- },
- "type": "object"
- },
- "isEstimate": {
- "description": "Indicates if the offer terms are an estimate and not a firm quote.",
- "type": "boolean"
- },
- "isSecureLendTenant": {
- "description": "Indicates if the offer is from a SecureLend-managed tenant.",
- "type": "boolean"
- },
- "lender": {
- "additionalProperties": false,
- "description": "Details about the lender providing the offer.",
- "properties": {
- "id": {
- "description": "The unique identifier for the lender.",
- "type": "string"
- },
- "name": {
- "description": "The display name of the lender.",
- "type": "string"
- },
- "type": {
- "description": "The type of lending institution (e.g., 'Bank', 'Credit Union').",
- "type": "string"
- }
- },
- "required": [
- "id",
- "name",
- "type"
- ],
- "type": "object"
- },
- "matching": {
- "additionalProperties": false,
- "description": "Information about how the offer was matched.",
- "properties": {
- "matchReasons": {
- "description": "Reasons for the match score.",
- "items": {
- "type": "string"
- },
- "type": "array"
- },
- "matchScore": {
- "description": "A score indicating how well the offer matches the search criteria.",
- "type": "number"
- }
- },
- "type": "object"
- },
- "offerId": {
- "description": "A unique identifier for this specific loan offer.",
- "type": "string"
- },
- "process": {
- "additionalProperties": false,
- "description": "Details about the application and funding process.",
- "properties": {
- "applicationMethod": {
- "description": "How to apply for the loan.",
- "enum": [
- "online",
- "phone",
- "in_person"
- ],
- "type": "string"
- },
- "applicationUrl": {
- "description": "The URL to the online application form.",
- "format": "uri",
- "type": "string"
- },
- "fundingSpeed": {
- "additionalProperties": false,
- "description": "Information on how quickly the loan is funded.",
- "properties": {
- "description": {
- "description": "Estimated time to receive funds.",
- "type": "string"
- }
- },
- "required": [
- "description"
- ],
- "type": "object"
- }
- },
- "required": [
- "applicationMethod"
- ],
- "type": "object"
- },
- "product": {
- "additionalProperties": false,
- "description": "Details about the financial product.",
- "properties": {
- "description": {
- "description": "A brief description of the product.",
- "type": "string"
- },
- "name": {
- "description": "The name of the financial product being offered.",
- "type": "string"
- },
- "type": {
- "description": "The category of the financial product.",
- "enum": [
- "INSTALLMENT_LOAN",
- "LINE_OF_CREDIT",
- "SHORT_TERM_CREDIT",
- "BNPL",
- "MORTGAGE",
- "AUTO_LOAN",
- "AUTO_REFINANCE",
- "STUDENT_LOAN",
- "STUDENT_LOAN_REFINANCE",
- "BUSINESS_LOAN",
- "BUSINESS_BANKING",
- "BUSINESS_CREDIT_CARD",
- "PERSONAL_BANKING",
- "SAVINGS_ACCOUNT",
- "PERSONAL_CREDIT_CARD"
- ],
- "type": "string"
- }
- },
- "required": [
- "name",
- "type"
- ],
- "type": "object"
- },
- "terms": {
- "additionalProperties": false,
- "description": "The terms and conditions of the loan offer.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The principal loan amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "interestRate": {
- "additionalProperties": false,
- "description": "Details about the interest rate.",
- "properties": {
- "apr": {
- "description": "The Annual Percentage Rate, including fees.",
- "type": "number"
- },
- "rate": {
- "description": "The nominal interest rate.",
- "type": "number"
- },
- "type": {
- "description": "The type of interest rate.",
- "enum": [
- "fixed",
- "variable"
- ],
- "type": "string"
- }
- },
- "required": [
- "type",
- "rate",
- "apr"
- ],
- "type": "object"
- },
- "payment": {
- "additionalProperties": false,
- "description": "Details about the repayment schedule.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The amount of each payment.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "frequency": {
- "const": "monthly",
- "description": "The frequency of payments.",
- "type": "string"
- }
- },
- "required": [
- "frequency",
- "amount"
- ],
- "type": "object"
- },
- "prepaymentPenalty": {
- "description": "Indicates if there is a penalty for early repayment.",
- "type": "boolean"
- },
- "repayment": {
- "additionalProperties": false,
- "description": "Summary of repayment details.",
- "properties": {
- "costOfFinancing": {
- "description": "The total cost of borrowing (interest and fees).",
- "type": "number"
- },
- "totalRepaymentAmount": {
- "description": "The total amount to be repaid over the life of the loan.",
- "type": "number"
- }
- },
- "required": [
- "totalRepaymentAmount",
- "costOfFinancing"
- ],
- "type": "object"
- },
- "termMonths": {
- "description": "The duration of the loan in months.",
- "type": "number"
- },
- "totalCost": {
- "additionalProperties": false,
- "description": "The total cost of the loan, including interest and fees.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- }
- },
- "required": [
- "amount",
- "interestRate",
- "termMonths"
- ],
- "type": "object"
- }
- },
- "required": [
- "offerId",
- "lender",
- "product",
- "terms",
- "process",
- "isSecureLendTenant"
- ],
- "type": "object"
- },
- "type": "array"
- },
- "summary": {
- "additionalProperties": false,
- "properties": {
- "bestRate": {
- "type": "number"
- },
- "fastestFunding": {
- "type": "string"
- },
- "totalOffers": {
- "type": "number"
- }
- },
- "required": [
- "totalOffers",
- "bestRate",
- "fastestFunding"
- ],
- "type": "object"
- }
- },
- "required": [
- "offers",
- "summary",
- "metadata"
- ],
- "type": "object"
-}New value: +nulldisplay_offer_form4 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "offerId": {
- "description": "The specific offer ID to pre-select in the form.",
- "type": "string"
- },
- "sessionId": {
- "description": "The session ID from a previous search to retrieve all offers.",
- "type": "string"
- }
-}Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "allOffers": {
- "items": {
- "anyOf": [
- {
- "additionalProperties": false,
- "properties": {
- "disclaimer": {
- "description": "A disclaimer message, e.g., if the offer is an estimate.",
- "type": "string"
- },
- "fees": {
- "additionalProperties": false,
- "description": "Any fees associated with the loan.",
- "properties": {
- "origination": {
- "additionalProperties": false,
- "description": "Fee charged by the lender for processing the loan.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The origination fee amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "percentage": {
- "description": "The origination fee as a percentage of the loan amount.",
- "type": "number"
- }
- },
- "required": [
- "amount"
- ],
- "type": "object"
- }
- },
- "type": "object"
- },
- "isEstimate": {
- "description": "Indicates if the offer terms are an estimate and not a firm quote.",
- "type": "boolean"
- },
- "isSecureLendTenant": {
- "description": "Indicates if the offer is from a SecureLend-managed tenant.",
- "type": "boolean"
- },
- "lender": {
- "additionalProperties": false,
- "description": "Details about the lender providing the offer.",
- "properties": {
- "id": {
- "description": "The unique identifier for the lender.",
- "type": "string"
- },
- "name": {
- "description": "The display name of the lender.",
- "type": "string"
- },
- "type": {
- "description": "The type of lending institution (e.g., 'Bank', 'Credit Union').",
- "type": "string"
- }
- },
- "required": [
- "id",
- "name",
- "type"
- ],
- "type": "object"
- },
- "matching": {
- "additionalProperties": false,
- "description": "Information about how the offer was matched.",
- "properties": {
- "matchReasons": {
- "description": "Reasons for the match score.",
- "items": {
- "type": "string"
- },
- "type": "array"
- },
- "matchScore": {
- "description": "A score indicating how well the offer matches the search criteria.",
- "type": "number"
- }
- },
- "type": "object"
- },
- "offerId": {
- "description": "A unique identifier for this specific loan offer.",
- "type": "string"
- },
- "process": {
- "additionalProperties": false,
- "description": "Details about the application and funding process.",
- "properties": {
- "applicationMethod": {
- "description": "How to apply for the loan.",
- "enum": [
- "online",
- "phone",
- "in_person"
- ],
- "type": "string"
- },
- "applicationUrl": {
- "description": "The URL to the online application form.",
- "format": "uri",
- "type": "string"
- },
- "fundingSpeed": {
- "additionalProperties": false,
- "description": "Information on how quickly the loan is funded.",
- "properties": {
- "description": {
- "description": "Estimated time to receive funds.",
- "type": "string"
- }
- },
- "required": [
- "description"
- ],
- "type": "object"
- }
- },
- "required": [
- "applicationMethod"
- ],
- "type": "object"
- },
- "product": {
- "additionalProperties": false,
- "description": "Details about the financial product.",
- "properties": {
- "description": {
- "description": "A brief description of the product.",
- "type": "string"
- },
- "name": {
- "description": "The name of the financial product being offered.",
- "type": "string"
- },
- "type": {
- "description": "The category of the financial product.",
- "enum": [
- "INSTALLMENT_LOAN",
- "LINE_OF_CREDIT",
- "SHORT_TERM_CREDIT",
- "BNPL",
- "MORTGAGE",
- "AUTO_LOAN",
- "AUTO_REFINANCE",
- "STUDENT_LOAN",
- "STUDENT_LOAN_REFINANCE",
- "BUSINESS_LOAN",
- "BUSINESS_BANKING",
- "BUSINESS_CREDIT_CARD",
- "PERSONAL_BANKING",
- "SAVINGS_ACCOUNT",
- "PERSONAL_CREDIT_CARD"
- ],
- "type": "string"
- }
- },
- "required": [
- "name",
- "type"
- ],
- "type": "object"
- },
- "terms": {
- "additionalProperties": false,
- "description": "The terms and conditions of the loan offer.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The principal loan amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "interestRate": {
- "additionalProperties": false,
- "description": "Details about the interest rate.",
- "properties": {
- "apr": {
- "description": "The Annual Percentage Rate, including fees.",
- "type": "number"
- },
- "rate": {
- "description": "The nominal interest rate.",
- "type": "number"
- },
- "type": {
- "description": "The type of interest rate.",
- "enum": [
- "fixed",
- "variable"
- ],
- "type": "string"
- }
- },
- "required": [
- "type",
- "rate",
- "apr"
- ],
- "type": "object"
- },
- "payment": {
- "additionalProperties": false,
- "description": "Details about the repayment schedule.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The amount of each payment.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "frequency": {
- "const": "monthly",
- "description": "The frequency of payments.",
- "type": "string"
- }
- },
- "required": [
- "frequency",
- "amount"
- ],
- "type": "object"
- },
- "prepaymentPenalty": {
- "description": "Indicates if there is a penalty for early repayment.",
- "type": "boolean"
- },
- "repayment": {
- "additionalProperties": false,
- "description": "Summary of repayment details.",
- "properties": {
- "costOfFinancing": {
- "description": "The total cost of borrowing (interest and fees).",
- "type": "number"
- },
- "totalRepaymentAmount": {
- "description": "The total amount to be repaid over the life of the loan.",
- "type": "number"
- }
- },
- "required": [
- "totalRepaymentAmount",
- "costOfFinancing"
- ],
- "type": "object"
- },
- "termMonths": {
- "description": "The duration of the loan in months.",
- "type": "number"
- },
- "totalCost": {
- "additionalProperties": false,
- "description": "The total cost of the loan, including interest and fees.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- }
- },
- "required": [
- "amount",
- "interestRate",
- "termMonths"
- ],
- "type": "object"
- }
- },
- "required": [
- "offerId",
- "lender",
- "product",
- "terms",
- "process",
- "isSecureLendTenant"
- ],
- "type": "object"
- },
- {
- "additionalProperties": false,
- "properties": {
- "bestFor": {
- "type": "string"
- },
- "cardId": {
- "type": "string"
- },
- "imageUrl": {
- "type": "string"
- },
- "introOffer": {
- "type": "string"
- },
- "issuer": {
- "type": "string"
- },
- "name": {
- "type": "string"
- },
- "rating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- },
- "recommendedCreditScore": {
- "type": "string"
- },
- "rewardsRate": {
- "type": "string"
- },
- "terms": {
- "additionalProperties": false,
- "properties": {
- "apr": {
- "additionalProperties": false,
- "properties": {
- "balanceTransfer": {
- "type": "number"
- },
- "penalty": {
- "type": "number"
- },
- "purchase": {
- "type": "number"
- }
- },
- "required": [
- "purchase",
- "balanceTransfer"
- ],
- "type": "object"
- },
- "fees": {
- "additionalProperties": false,
- "properties": {
- "annual": {
- "type": "number"
- }
- },
- "required": [
- "annual"
- ],
- "type": "object"
- }
- },
- "required": [
- "apr",
- "fees"
- ],
- "type": "object"
- }
- },
- "required": [
- "cardId",
- "name",
- "issuer",
- "imageUrl",
- "rating",
- "bestFor",
- "rewardsRate",
- "introOffer",
- "recommendedCreditScore",
- "terms"
- ],
- "type": "object"
- },
- {
- "additionalProperties": false,
- "properties": {
- "cardId": {
- "type": "string"
- },
- "creditScoreRange": {
- "type": "string"
- },
- "imageUrl": {
- "type": "string"
- },
- "issuer": {
- "type": "string"
- },
- "name": {
- "type": "string"
- },
- "rating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- },
- "terms": {
- "additionalProperties": false,
- "properties": {
- "annualFee": {
- "type": "number"
- },
- "apr": {
- "type": "number"
- },
- "creditLimit": {
- "additionalProperties": false,
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- }
- },
- "required": [
- "apr",
- "annualFee",
- "creditLimit"
- ],
- "type": "object"
- },
- "welcomeBonus": {
- "type": "string"
- }
- },
- "required": [
- "cardId",
- "name",
- "issuer",
- "imageUrl",
- "rating",
- "creditScoreRange",
- "welcomeBonus",
- "terms"
- ],
- "type": "object"
- },
- {
- "additionalProperties": false,
- "properties": {
- "accountId": {
- "type": "string"
- },
- "apy": {
- "type": "string"
- },
- "bestFor": {
- "type": "string"
- },
- "bonus": {
- "type": "string"
- },
- "imageUrl": {
- "type": "string"
- },
- "interestRate": {
- "type": "string"
- },
- "issuer": {
- "type": "string"
- },
- "monthlyFee": {
- "type": "string"
- },
- "name": {
- "type": "string"
- },
- "rating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- }
- },
- "required": [
- "accountId",
- "name",
- "issuer",
- "imageUrl",
- "rating",
- "bestFor",
- "apy",
- "monthlyFee",
- "bonus"
- ],
- "type": "object"
- },
- {
- "additionalProperties": false,
- "properties": {
- "accountId": {
- "type": "string"
- },
- "apy": {
- "type": "string"
- },
- "bestFor": {
- "type": "string"
- },
- "bonus": {
- "type": "string"
- },
- "imageUrl": {
- "type": "string"
- },
- "interestRate": {
- "type": "string"
- },
- "issuer": {
- "type": "string"
- },
- "monthlyFee": {
- "type": "string"
- },
- "name": {
- "type": "string"
- },
- "overdraftRating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- },
- "rating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- }
- },
- "required": [
- "accountId",
- "name",
- "issuer",
- "imageUrl",
- "rating",
- "bestFor",
- "apy",
- "bonus",
- "monthlyFee",
- "overdraftRating"
- ],
- "type": "object"
- },
- {
- "additionalProperties": false,
- "properties": {
- "accountId": {
- "type": "string"
- },
- "apy": {
- "type": "string"
- },
- "imageUrl": {
- "type": "string"
- },
- "interestRate": {
- "type": "string"
- },
- "issuer": {
- "type": "string"
- },
- "minBalanceForApy": {
- "type": "string"
- },
- "monthlyFee": {
- "type": "string"
- },
- "name": {
- "type": "string"
- },
- "rating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- }
- },
- "required": [
- "accountId",
- "name",
- "issuer",
- "imageUrl",
- "rating",
- "apy",
- "minBalanceForApy",
- "monthlyFee"
- ],
- "type": "object"
- }
- ]
- },
- "type": "array"
- },
- "offer": {
- "anyOf": [
- {
- "additionalProperties": false,
- "properties": {
- "disclaimer": {
- "description": "A disclaimer message, e.g., if the offer is an estimate.",
- "type": "string"
- },
- "fees": {
- "additionalProperties": false,
- "description": "Any fees associated with the loan.",
- "properties": {
- "origination": {
- "additionalProperties": false,
- "description": "Fee charged by the lender for processing the loan.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The origination fee amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "percentage": {
- "description": "The origination fee as a percentage of the loan amount.",
- "type": "number"
- }
- },
- "required": [
- "amount"
- ],
- "type": "object"
- }
- },
- "type": "object"
- },
- "isEstimate": {
- "description": "Indicates if the offer terms are an estimate and not a firm quote.",
- "type": "boolean"
- },
- "isSecureLendTenant": {
- "description": "Indicates if the offer is from a SecureLend-managed tenant.",
- "type": "boolean"
- },
- "lender": {
- "additionalProperties": false,
- "description": "Details about the lender providing the offer.",
- "properties": {
- "id": {
- "description": "The unique identifier for the lender.",
- "type": "string"
- },
- "name": {
- "description": "The display name of the lender.",
- "type": "string"
- },
- "type": {
- "description": "The type of lending institution (e.g., 'Bank', 'Credit Union').",
- "type": "string"
- }
- },
- "required": [
- "id",
- "name",
- "type"
- ],
- "type": "object"
- },
- "matching": {
- "additionalProperties": false,
- "description": "Information about how the offer was matched.",
- "properties": {
- "matchReasons": {
- "description": "Reasons for the match score.",
- "items": {
- "type": "string"
- },
- "type": "array"
- },
- "matchScore": {
- "description": "A score indicating how well the offer matches the search criteria.",
- "type": "number"
- }
- },
- "type": "object"
- },
- "offerId": {
- "description": "A unique identifier for this specific loan offer.",
- "type": "string"
- },
- "process": {
- "additionalProperties": false,
- "description": "Details about the application and funding process.",
- "properties": {
- "applicationMethod": {
- "description": "How to apply for the loan.",
- "enum": [
- "online",
- "phone",
- "in_person"
- ],
- "type": "string"
- },
- "applicationUrl": {
- "description": "The URL to the online application form.",
- "format": "uri",
- "type": "string"
- },
- "fundingSpeed": {
- "additionalProperties": false,
- "description": "Information on how quickly the loan is funded.",
- "properties": {
- "description": {
- "description": "Estimated time to receive funds.",
- "type": "string"
- }
- },
- "required": [
- "description"
- ],
- "type": "object"
- }
- },
- "required": [
- "applicationMethod"
- ],
- "type": "object"
- },
- "product": {
- "additionalProperties": false,
- "description": "Details about the financial product.",
- "properties": {
- "description": {
- "description": "A brief description of the product.",
- "type": "string"
- },
- "name": {
- "description": "The name of the financial product being offered.",
- "type": "string"
- },
- "type": {
- "description": "The category of the financial product.",
- "enum": [
- "INSTALLMENT_LOAN",
- "LINE_OF_CREDIT",
- "SHORT_TERM_CREDIT",
- "BNPL",
- "MORTGAGE",
- "AUTO_LOAN",
- "AUTO_REFINANCE",
- "STUDENT_LOAN",
- "STUDENT_LOAN_REFINANCE",
- "BUSINESS_LOAN",
- "BUSINESS_BANKING",
- "BUSINESS_CREDIT_CARD",
- "PERSONAL_BANKING",
- "SAVINGS_ACCOUNT",
- "PERSONAL_CREDIT_CARD"
- ],
- "type": "string"
- }
- },
- "required": [
- "name",
- "type"
- ],
- "type": "object"
- },
- "terms": {
- "additionalProperties": false,
- "description": "The terms and conditions of the loan offer.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The principal loan amount.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "interestRate": {
- "additionalProperties": false,
- "description": "Details about the interest rate.",
- "properties": {
- "apr": {
- "description": "The Annual Percentage Rate, including fees.",
- "type": "number"
- },
- "rate": {
- "description": "The nominal interest rate.",
- "type": "number"
- },
- "type": {
- "description": "The type of interest rate.",
- "enum": [
- "fixed",
- "variable"
- ],
- "type": "string"
- }
- },
- "required": [
- "type",
- "rate",
- "apr"
- ],
- "type": "object"
- },
- "payment": {
- "additionalProperties": false,
- "description": "Details about the repayment schedule.",
- "properties": {
- "amount": {
- "additionalProperties": false,
- "description": "The amount of each payment.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- },
- "frequency": {
- "const": "monthly",
- "description": "The frequency of payments.",
- "type": "string"
- }
- },
- "required": [
- "frequency",
- "amount"
- ],
- "type": "object"
- },
- "prepaymentPenalty": {
- "description": "Indicates if there is a penalty for early repayment.",
- "type": "boolean"
- },
- "repayment": {
- "additionalProperties": false,
- "description": "Summary of repayment details.",
- "properties": {
- "costOfFinancing": {
- "description": "The total cost of borrowing (interest and fees).",
- "type": "number"
- },
- "totalRepaymentAmount": {
- "description": "The total amount to be repaid over the life of the loan.",
- "type": "number"
- }
- },
- "required": [
- "totalRepaymentAmount",
- "costOfFinancing"
- ],
- "type": "object"
- },
- "termMonths": {
- "description": "The duration of the loan in months.",
- "type": "number"
- },
- "totalCost": {
- "additionalProperties": false,
- "description": "The total cost of the loan, including interest and fees.",
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- }
- },
- "required": [
- "amount",
- "interestRate",
- "termMonths"
- ],
- "type": "object"
- }
- },
- "required": [
- "offerId",
- "lender",
- "product",
- "terms",
- "process",
- "isSecureLendTenant"
- ],
- "type": "object"
- },
- {
- "additionalProperties": false,
- "properties": {
- "bestFor": {
- "type": "string"
- },
- "cardId": {
- "type": "string"
- },
- "imageUrl": {
- "type": "string"
- },
- "introOffer": {
- "type": "string"
- },
- "issuer": {
- "type": "string"
- },
- "name": {
- "type": "string"
- },
- "rating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- },
- "recommendedCreditScore": {
- "type": "string"
- },
- "rewardsRate": {
- "type": "string"
- },
- "terms": {
- "additionalProperties": false,
- "properties": {
- "apr": {
- "additionalProperties": false,
- "properties": {
- "balanceTransfer": {
- "type": "number"
- },
- "penalty": {
- "type": "number"
- },
- "purchase": {
- "type": "number"
- }
- },
- "required": [
- "purchase",
- "balanceTransfer"
- ],
- "type": "object"
- },
- "fees": {
- "additionalProperties": false,
- "properties": {
- "annual": {
- "type": "number"
- }
- },
- "required": [
- "annual"
- ],
- "type": "object"
- }
- },
- "required": [
- "apr",
- "fees"
- ],
- "type": "object"
- }
- },
- "required": [
- "cardId",
- "name",
- "issuer",
- "imageUrl",
- "rating",
- "bestFor",
- "rewardsRate",
- "introOffer",
- "recommendedCreditScore",
- "terms"
- ],
- "type": "object"
- },
- {
- "additionalProperties": false,
- "properties": {
- "cardId": {
- "type": "string"
- },
- "creditScoreRange": {
- "type": "string"
- },
- "imageUrl": {
- "type": "string"
- },
- "issuer": {
- "type": "string"
- },
- "name": {
- "type": "string"
- },
- "rating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- },
- "terms": {
- "additionalProperties": false,
- "properties": {
- "annualFee": {
- "type": "number"
- },
- "apr": {
- "type": "number"
- },
- "creditLimit": {
- "additionalProperties": false,
- "properties": {
- "amount": {
- "type": "number"
- },
- "currency": {
- "const": "USD",
- "type": "string"
- }
- },
- "required": [
- "amount",
- "currency"
- ],
- "type": "object"
- }
- },
- "required": [
- "apr",
- "annualFee",
- "creditLimit"
- ],
- "type": "object"
- },
- "welcomeBonus": {
- "type": "string"
- }
- },
- "required": [
- "cardId",
- "name",
- "issuer",
- "imageUrl",
- "rating",
- "creditScoreRange",
- "welcomeBonus",
- "terms"
- ],
- "type": "object"
- },
- {
- "additionalProperties": false,
- "properties": {
- "accountId": {
- "type": "string"
- },
- "apy": {
- "type": "string"
- },
- "bestFor": {
- "type": "string"
- },
- "bonus": {
- "type": "string"
- },
- "imageUrl": {
- "type": "string"
- },
- "interestRate": {
- "type": "string"
- },
- "issuer": {
- "type": "string"
- },
- "monthlyFee": {
- "type": "string"
- },
- "name": {
- "type": "string"
- },
- "rating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- }
- },
- "required": [
- "accountId",
- "name",
- "issuer",
- "imageUrl",
- "rating",
- "bestFor",
- "apy",
- "monthlyFee",
- "bonus"
- ],
- "type": "object"
- },
- {
- "additionalProperties": false,
- "properties": {
- "accountId": {
- "type": "string"
- },
- "apy": {
- "type": "string"
- },
- "bestFor": {
- "type": "string"
- },
- "bonus": {
- "type": "string"
- },
- "imageUrl": {
- "type": "string"
- },
- "interestRate": {
- "type": "string"
- },
- "issuer": {
- "type": "string"
- },
- "monthlyFee": {
- "type": "string"
- },
- "name": {
- "type": "string"
- },
- "overdraftRating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- },
- "rating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- }
- },
- "required": [
- "accountId",
- "name",
- "issuer",
- "imageUrl",
- "rating",
- "bestFor",
- "apy",
- "bonus",
- "monthlyFee",
- "overdraftRating"
- ],
- "type": "object"
- },
- {
- "additionalProperties": false,
- "properties": {
- "accountId": {
- "type": "string"
- },
- "apy": {
- "type": "string"
- },
- "imageUrl": {
- "type": "string"
- },
- "interestRate": {
- "type": "string"
- },
- "issuer": {
- "type": "string"
- },
- "minBalanceForApy": {
- "type": "string"
- },
- "monthlyFee": {
- "type": "string"
- },
- "name": {
- "type": "string"
- },
- "rating": {
- "maximum": 5,
- "minimum": 0,
- "type": "number"
- }
- },
- "required": [
- "accountId",
- "name",
- "issuer",
- "imageUrl",
- "rating",
- "apy",
- "minBalanceForApy",
- "monthlyFee"
- ],
- "type": "object"
- }
- ]
- },
- "productType": {
- "type": "string"
- }
- },
- "required": [
- "offer",
- "allOffers",
- "productType"
- ],
- "type": "object"
-}New value: +nulldisplay_prequalification_form5 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "applicationId": {
- "description": "The SecureLend application ID for which to display the additional information form. This is used to pre-fill known values and determine which sections to show.",
- "type": "string"
- },
- "prefillData": {
- "additionalProperties": {},
- "description": "Pre-fill values to populate in the form from already-known data. Keys should match field names in the prequalification details schema. Sensitive data is prohibited.",
- "propertyNames": {
- "type": "string"
- },
- "type": "object"
- },
- "productTypes": {
- "description": "Product types to show relevant form sections for. If not provided, the form will show all applicable sections based on the application.",
- "items": {
- "enum": [
- "loan",
- "mortgage",
- "credit_card",
- "savings",
- "business_loan",
- "auto_loan",
- "student_loan",
- "insurance"
- ],
- "type": "string"
- },
- "minItems": 1,
- "type": "array"
- },
- "requiredSections": {
- "description": "Specific sections to require the user to complete. If not provided, the form will apply default required fields for the product type.",
- "items": {
- "enum": [
- "personal",
- "loan",
- "mortgage",
- "credit",
- "financial",
- "employment",
- "education",
- "auto_insurance",
- "legal",
- "business"
- ],
- "type": "string"
- },
- "type": "array"
- }
-}Input schema / requiredRemoved value: -[
- "applicationId"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "applicationId": {
- "type": "string"
- },
- "prefillData": {
- "additionalProperties": {},
- "description": "Data to pre-fill in the form fields. Sensitive data is prohibited.",
- "propertyNames": {
- "type": "string"
- },
- "type": "object"
- },
- "rendered": {
- "description": "Whether the form widget was successfully rendered",
- "type": "boolean"
- }
- },
- "required": [
- "rendered"
- ],
- "type": "object"
-}New value: +nulldisplay_upload_documents_form4 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "applicationId": {
- "description": "Pre-fill the application ID for the document upload form.",
- "type": "string"
- }
-}Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {},
- "type": "object"
-}New value: +nullget_multiple_offers5 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "applicant": {
- "description": "Personal details of the applicant.",
- "properties": {
- "email": {
- "description": "The applicant's email address.",
- "format": "email",
- "pattern": "^(?!\\.)(?!.*\\.\\.)([A-Za-z0-9_'+\\-\\.]*)[A-Za-z0-9_+-]@([A-Za-z0-9][A-Za-z0-9\\-]*\\.)+[A-Za-z]{2,}$",
- "type": "string"
- },
- "firstName": {
- "description": "The applicant's first name.",
- "type": "string"
- },
- "lastName": {
- "description": "The applicant's last name.",
- "type": "string"
- },
- "phone": {
- "description": "The applicant's phone number.",
- "type": "string"
- }
- },
- "required": [
- "firstName",
- "lastName",
- "email"
- ],
- "type": "object"
- },
- "applicationData": {
- "anyOf": [
- {
- "properties": {
- "creditScore": {
- "description": "The applicant's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "employmentStatus": {
- "description": "The applicant's employment status.",
- "enum": [
- "employed",
- "self_employed",
- "retired",
- "unemployed"
- ],
- "type": "string"
- },
- "loanAmount": {
- "description": "The desired loan amount in USD (e.g., 25000).",
- "maximum": 100000,
- "minimum": 1000,
- "type": "number"
- },
- "monthlyIncome": {
- "description": "Applicant's gross monthly income in USD.",
- "minimum": 0,
- "type": "number"
- },
- "purpose": {
- "description": "The purpose of the loan.",
- "enum": [
- "debt_consolidation",
- "home_improvement",
- "major_purchase",
- "medical",
- "vacation",
- "other"
- ],
- "type": "string"
- },
- "state": {
- "description": "The applicant's state of residence (2-letter code).",
- "type": "string"
- }
- },
- "required": [
- "loanAmount",
- "purpose"
- ],
- "type": "object"
- },
- {
- "properties": {
- "annualRevenue": {
- "description": "The business's gross annual revenue in USD.",
- "minimum": 0,
- "type": "number"
- },
- "industry": {
- "description": "The industry the business operates in, e.g., 'technology'.",
- "type": "string"
- },
- "loanAmount": {
- "description": "The desired loan amount, e.g., 50000 for $50,000.",
- "minimum": 1000,
- "type": "number"
- },
- "purpose": {
- "description": "The reason for the loan, e.g., 'working capital'.",
- "type": "string"
- },
- "state": {
- "description": "The state where the business is located (2-letter code).",
- "type": "string"
- }
- },
- "required": [
- "loanAmount",
- "purpose"
- ],
- "type": "object"
- },
- {
- "properties": {
- "creditScore": {
- "description": "The applicant's estimated credit score (500-850).",
- "maximum": 850,
- "minimum": 500,
- "type": "number"
- },
- "downPayment": {
- "description": "The amount of the down payment in USD.",
- "minimum": 0,
- "type": "number"
- },
- "homePrice": {
- "description": "The purchase price of the home in USD.",
- "maximum": 5000000,
- "minimum": 50000,
- "type": "number"
- },
- "loanAmount": {
- "description": "The desired mortgage loan amount in USD.",
- "maximum": 2000000,
- "minimum": 50000,
- "type": "number"
- },
- "loanType": {
- "description": "The type of mortgage loan.",
- "enum": [
- "conventional",
- "fha",
- "va",
- "jumbo",
- "refinance"
- ],
- "type": "string"
- },
- "propertyType": {
- "description": "The intended use of the property.",
- "enum": [
- "primary",
- "secondary",
- "investment"
- ],
- "type": "string"
- },
- "state": {
- "description": "The state where the property is located (2-letter code).",
- "type": "string"
- }
- },
- "required": [
- "loanAmount",
- "loanType"
- ],
- "type": "object"
- },
- {
- "properties": {
- "creditScore": {
- "description": "The applicant's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "isNew": {
- "description": "Specifies if the vehicle is new (true) or used (false).",
- "type": "boolean"
- },
- "loanAmount": {
- "description": "The desired auto loan amount in USD.",
- "maximum": 100000,
- "minimum": 1000,
- "type": "number"
- },
- "state": {
- "description": "The applicant's state of residence (2-letter code).",
- "type": "string"
- }
- },
- "required": [
- "loanAmount",
- "isNew"
- ],
- "type": "object"
- },
- {
- "properties": {
- "coSignerCreditScore": {
- "description": "The co-signer's estimated credit score (300-850), if applicable.",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "creditScore": {
- "description": "The student's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "degreeType": {
- "description": "The type of degree the loan is for.",
- "enum": [
- "undergraduate",
- "graduate",
- "mba",
- "medical",
- "law"
- ],
- "type": "string"
- },
- "loanAmount": {
- "description": "The total amount needed for the student loan in USD.",
- "maximum": 250000,
- "minimum": 1000,
- "type": "number"
- },
- "state": {
- "description": "The student's state of residence (2-letter code).",
- "type": "string"
- }
- },
- "required": [
- "loanAmount",
- "degreeType"
- ],
- "type": "object"
- },
- {
- "properties": {
- "annualRevenue": {
- "description": "The business's annual revenue in USD.",
- "minimum": 0,
- "type": "number"
- },
- "businessAgeInYears": {
- "description": "The age of the business in years.",
- "minimum": 0,
- "type": "number"
- },
- "creditScore": {
- "description": "The applicant's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- }
- },
- "type": "object"
- },
- {
- "properties": {
- "industry": {
- "description": "The business's industry.",
- "type": "string"
- },
- "monthlyTransactions": {
- "description": "Estimated number of monthly transactions.",
- "type": "number"
- }
- },
- "type": "object"
- },
- {
- "properties": {
- "features": {
- "description": "Desired account features.",
- "items": {
- "type": "string"
- },
- "type": "array"
- }
- },
- "type": "object"
- },
- {
- "properties": {
- "initialDeposit": {
- "description": "The initial deposit amount in USD.",
- "type": "number"
- }
- },
- "type": "object"
- },
- {
- "properties": {
- "creditScore": {
- "description": "The applicant's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "rewardsType": {
- "description": "Preferred rewards type.",
- "enum": [
- "cash_back",
- "travel",
- "points"
- ],
- "type": "string"
- }
- },
- "type": "object"
- }
- ],
- "description": "The original search parameters or form data for the application."
- },
- "productType": {
- "description": "The type of financial product being applied for.",
- "enum": [
- "INSTALLMENT_LOAN",
- "LINE_OF_CREDIT",
- "SHORT_TERM_CREDIT",
- "BNPL",
- "MORTGAGE",
- "AUTO_LOAN",
- "AUTO_REFINANCE",
- "STUDENT_LOAN",
- "STUDENT_LOAN_REFINANCE",
- "BUSINESS_LOAN",
- "BUSINESS_BANKING",
- "BUSINESS_CREDIT_CARD",
- "PERSONAL_BANKING",
- "SAVINGS_ACCOUNT",
- "PERSONAL_CREDIT_CARD"
- ],
- "type": "string"
- },
- "providers": {
- "description": "The list of selected providers to submit the application to.",
- "items": {
- "properties": {
- "providerId": {
- "description": "The ID of the selected provider.",
- "type": "string"
- },
- "providerName": {
- "description": "The name of the selected provider.",
- "type": "string"
- }
- },
- "required": [
- "providerId",
- "providerName"
- ],
- "type": "object"
- },
- "minItems": 1,
- "type": "array"
- }
-}Input schema / requiredRemoved value: -[
- "productType",
- "applicant",
- "applicationData",
- "providers"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "applicationId": {
- "description": "Alias of `id`. Pass this value as `applicationId` to the `track_offer_status` tool to check enquiry status later.",
- "type": "string"
- },
- "createdAt": {
- "description": "The timestamp when the application was created.",
- "type": "string"
- },
- "id": {
- "description": "The unique ID of the application.",
- "type": "string"
- },
- "productType": {
- "anyOf": [
- {
- "enum": [
- "INSTALLMENT_LOAN",
- "LINE_OF_CREDIT",
- "SHORT_TERM_CREDIT",
- "BNPL",
- "MORTGAGE",
- "AUTO_LOAN",
- "AUTO_REFINANCE",
- "STUDENT_LOAN",
- "STUDENT_LOAN_REFINANCE",
- "BUSINESS_LOAN",
- "BUSINESS_BANKING",
- "BUSINESS_CREDIT_CARD",
- "PERSONAL_BANKING",
- "SAVINGS_ACCOUNT",
- "PERSONAL_CREDIT_CARD"
- ],
- "type": "string"
- },
- {
- "type": "string"
- }
- ],
- "description": "The type of product applied for."
- },
- "providers": {
- "description": "The list of providers the application was sent to.",
- "items": {
- "additionalProperties": false,
- "properties": {
- "error": {
- "type": "string"
- },
- "providerApplicationId": {
- "type": "string"
- },
- "providerId": {
- "type": "string"
- },
- "providerName": {
- "type": "string"
- },
- "referralUrl": {
- "format": "uri",
- "type": "string"
- },
- "status": {
- "enum": [
- "PENDING",
- "SUBMITTED",
- "REFERRED",
- "ERROR",
- "RECEIVED"
- ],
- "type": "string"
- },
- "submittedAt": {
- "type": "string"
- }
- },
- "required": [
- "providerId",
- "providerName",
- "status"
- ],
- "type": "object"
- },
- "type": "array"
- },
- "requiredInfo": {
- "additionalProperties": false,
- "description": "Details on information required from the applicant when status is ACTION_REQUIRED.",
- "properties": {
- "documents": {
- "description": "List of required document types.",
- "items": {
- "type": "string"
- },
- "type": "array"
- },
- "message": {
- "type": "string"
- },
- "sections": {
- "description": "List of required additional information sections.",
- "items": {
- "type": "string"
- },
- "type": "array"
- }
- },
- "type": "object"
- },
- "status": {
- "description": "The current status of the application.",
- "enum": [
- "DRAFT",
- "SUBMITTED",
- "IN_REVIEW",
- "ACTION_REQUIRED",
- "APPROVED",
- "DECLINED",
- "CLOSED"
- ],
- "type": "string"
- }
- },
- "required": [
- "id",
- "createdAt",
- "status",
- "productType",
- "providers"
- ],
- "type": "object"
-}New value: +nullget_offer5 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "applicant": {
- "description": "Personal details of the applicant.",
- "properties": {
- "email": {
- "description": "The applicant's email address.",
- "format": "email",
- "pattern": "^(?!\\.)(?!.*\\.\\.)([A-Za-z0-9_'+\\-\\.]*)[A-Za-z0-9_+-]@([A-Za-z0-9][A-Za-z0-9\\-]*\\.)+[A-Za-z]{2,}$",
- "type": "string"
- },
- "firstName": {
- "description": "The applicant's first name.",
- "type": "string"
- },
- "lastName": {
- "description": "The applicant's last name.",
- "type": "string"
- },
- "phone": {
- "description": "The applicant's phone number.",
- "type": "string"
- }
- },
- "required": [
- "firstName",
- "lastName",
- "email"
- ],
- "type": "object"
- },
- "applicationData": {
- "anyOf": [
- {
- "properties": {
- "creditScore": {
- "description": "The applicant's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "employmentStatus": {
- "description": "The applicant's employment status.",
- "enum": [
- "employed",
- "self_employed",
- "retired",
- "unemployed"
- ],
- "type": "string"
- },
- "loanAmount": {
- "description": "The desired loan amount in USD (e.g., 25000).",
- "maximum": 100000,
- "minimum": 1000,
- "type": "number"
- },
- "monthlyIncome": {
- "description": "Applicant's gross monthly income in USD.",
- "minimum": 0,
- "type": "number"
- },
- "purpose": {
- "description": "The purpose of the loan.",
- "enum": [
- "debt_consolidation",
- "home_improvement",
- "major_purchase",
- "medical",
- "vacation",
- "other"
- ],
- "type": "string"
- },
- "state": {
- "description": "The applicant's state of residence (2-letter code).",
- "type": "string"
- }
- },
- "required": [
- "loanAmount",
- "purpose"
- ],
- "type": "object"
- },
- {
- "properties": {
- "annualRevenue": {
- "description": "The business's gross annual revenue in USD.",
- "minimum": 0,
- "type": "number"
- },
- "industry": {
- "description": "The industry the business operates in, e.g., 'technology'.",
- "type": "string"
- },
- "loanAmount": {
- "description": "The desired loan amount, e.g., 50000 for $50,000.",
- "minimum": 1000,
- "type": "number"
- },
- "purpose": {
- "description": "The reason for the loan, e.g., 'working capital'.",
- "type": "string"
- },
- "state": {
- "description": "The state where the business is located (2-letter code).",
- "type": "string"
- }
- },
- "required": [
- "loanAmount",
- "purpose"
- ],
- "type": "object"
- },
- {
- "properties": {
- "creditScore": {
- "description": "The applicant's estimated credit score (500-850).",
- "maximum": 850,
- "minimum": 500,
- "type": "number"
- },
- "downPayment": {
- "description": "The amount of the down payment in USD.",
- "minimum": 0,
- "type": "number"
- },
- "homePrice": {
- "description": "The purchase price of the home in USD.",
- "maximum": 5000000,
- "minimum": 50000,
- "type": "number"
- },
- "loanAmount": {
- "description": "The desired mortgage loan amount in USD.",
- "maximum": 2000000,
- "minimum": 50000,
- "type": "number"
- },
- "loanType": {
- "description": "The type of mortgage loan.",
- "enum": [
- "conventional",
- "fha",
- "va",
- "jumbo",
- "refinance"
- ],
- "type": "string"
- },
- "propertyType": {
- "description": "The intended use of the property.",
- "enum": [
- "primary",
- "secondary",
- "investment"
- ],
- "type": "string"
- },
- "state": {
- "description": "The state where the property is located (2-letter code).",
- "type": "string"
- }
- },
- "required": [
- "loanAmount",
- "loanType"
- ],
- "type": "object"
- },
- {
- "properties": {
- "creditScore": {
- "description": "The applicant's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "isNew": {
- "description": "Specifies if the vehicle is new (true) or used (false).",
- "type": "boolean"
- },
- "loanAmount": {
- "description": "The desired auto loan amount in USD.",
- "maximum": 100000,
- "minimum": 1000,
- "type": "number"
- },
- "state": {
- "description": "The applicant's state of residence (2-letter code).",
- "type": "string"
- }
- },
- "required": [
- "loanAmount",
- "isNew"
- ],
- "type": "object"
- },
- {
- "properties": {
- "coSignerCreditScore": {
- "description": "The co-signer's estimated credit score (300-850), if applicable.",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "creditScore": {
- "description": "The student's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "degreeType": {
- "description": "The type of degree the loan is for.",
- "enum": [
- "undergraduate",
- "graduate",
- "mba",
- "medical",
- "law"
- ],
- "type": "string"
- },
- "loanAmount": {
- "description": "The total amount needed for the student loan in USD.",
- "maximum": 250000,
- "minimum": 1000,
- "type": "number"
- },
- "state": {
- "description": "The student's state of residence (2-letter code).",
- "type": "string"
- }
- },
- "required": [
- "loanAmount",
- "degreeType"
- ],
- "type": "object"
- },
- {
- "properties": {
- "annualRevenue": {
- "description": "The business's annual revenue in USD.",
- "minimum": 0,
- "type": "number"
- },
- "businessAgeInYears": {
- "description": "The age of the business in years.",
- "minimum": 0,
- "type": "number"
- },
- "creditScore": {
- "description": "The applicant's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- }
- },
- "type": "object"
- },
- {
- "properties": {
- "industry": {
- "description": "The business's industry.",
- "type": "string"
- },
- "monthlyTransactions": {
- "description": "Estimated number of monthly transactions.",
- "type": "number"
- }
- },
- "type": "object"
- },
- {
- "properties": {
- "features": {
- "description": "Desired account features.",
- "items": {
- "type": "string"
- },
- "type": "array"
- }
- },
- "type": "object"
- },
- {
- "properties": {
- "initialDeposit": {
- "description": "The initial deposit amount in USD.",
- "type": "number"
- }
- },
- "type": "object"
- },
- {
- "properties": {
- "creditScore": {
- "description": "The applicant's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "rewardsType": {
- "description": "Preferred rewards type.",
- "enum": [
- "cash_back",
- "travel",
- "points"
- ],
- "type": "string"
- }
- },
- "type": "object"
- }
- ],
- "description": "The original search parameters or form data for the application."
- },
- "productType": {
- "description": "The type of financial product being applied for.",
- "enum": [
- "INSTALLMENT_LOAN",
- "LINE_OF_CREDIT",
- "SHORT_TERM_CREDIT",
- "BNPL",
- "MORTGAGE",
- "AUTO_LOAN",
- "AUTO_REFINANCE",
- "STUDENT_LOAN",
- "STUDENT_LOAN_REFINANCE",
- "BUSINESS_LOAN",
- "BUSINESS_BANKING",
- "BUSINESS_CREDIT_CARD",
- "PERSONAL_BANKING",
- "SAVINGS_ACCOUNT",
- "PERSONAL_CREDIT_CARD"
- ],
- "type": "string"
- },
- "provider": {
- "description": "The selected provider to submit the application to.",
- "properties": {
- "providerId": {
- "description": "The ID of the selected provider.",
- "type": "string"
- },
- "providerName": {
- "description": "The name of the selected provider.",
- "type": "string"
- }
- },
- "required": [
- "providerId",
- "providerName"
- ],
- "type": "object"
- }
-}Input schema / requiredRemoved value: -[
- "productType",
- "applicant",
- "applicationData",
- "provider"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "applicationId": {
- "description": "Alias of `id`. Pass this value as `applicationId` to the `track_offer_status` tool to check enquiry status later.",
- "type": "string"
- },
- "createdAt": {
- "description": "The timestamp when the application was created.",
- "type": "string"
- },
- "id": {
- "description": "The unique ID of the application.",
- "type": "string"
- },
- "productType": {
- "anyOf": [
- {
- "enum": [
- "INSTALLMENT_LOAN",
- "LINE_OF_CREDIT",
- "SHORT_TERM_CREDIT",
- "BNPL",
- "MORTGAGE",
- "AUTO_LOAN",
- "AUTO_REFINANCE",
- "STUDENT_LOAN",
- "STUDENT_LOAN_REFINANCE",
- "BUSINESS_LOAN",
- "BUSINESS_BANKING",
- "BUSINESS_CREDIT_CARD",
- "PERSONAL_BANKING",
- "SAVINGS_ACCOUNT",
- "PERSONAL_CREDIT_CARD"
- ],
- "type": "string"
- },
- {
- "type": "string"
- }
- ],
- "description": "The type of product applied for."
- },
- "providers": {
- "description": "The list of providers the application was sent to.",
- "items": {
- "additionalProperties": false,
- "properties": {
- "error": {
- "type": "string"
- },
- "providerApplicationId": {
- "type": "string"
- },
- "providerId": {
- "type": "string"
- },
- "providerName": {
- "type": "string"
- },
- "referralUrl": {
- "format": "uri",
- "type": "string"
- },
- "status": {
- "enum": [
- "PENDING",
- "SUBMITTED",
- "REFERRED",
- "ERROR",
- "RECEIVED"
- ],
- "type": "string"
- },
- "submittedAt": {
- "type": "string"
- }
- },
- "required": [
- "providerId",
- "providerName",
- "status"
- ],
- "type": "object"
- },
- "type": "array"
- },
- "requiredInfo": {
- "additionalProperties": false,
- "description": "Details on information required from the applicant when status is ACTION_REQUIRED.",
- "properties": {
- "documents": {
- "description": "List of required document types.",
- "items": {
- "type": "string"
- },
- "type": "array"
- },
- "message": {
- "type": "string"
- },
- "sections": {
- "description": "List of required additional information sections.",
- "items": {
- "type": "string"
- },
- "type": "array"
- }
- },
- "type": "object"
- },
- "status": {
- "description": "The current status of the application.",
- "enum": [
- "DRAFT",
- "SUBMITTED",
- "IN_REVIEW",
- "ACTION_REQUIRED",
- "APPROVED",
- "DECLINED",
- "CLOSED"
- ],
- "type": "string"
- }
- },
- "required": [
- "id",
- "createdAt",
- "status",
- "productType",
- "providers"
- ],
- "type": "object"
-}New value: +nullsubmit_documents5 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "applicationId": {
- "description": "The ID of the application to associate the document with.",
- "type": "string"
- },
- "documentType": {
- "description": "The category of the document.",
- "enum": [
- "articles-of-incorporation",
- "balance-sheet",
- "bank-statement",
- "business-license",
- "business-plan",
- "contract",
- "drivers-license",
- "financial-statement",
- "identity-document",
- "invoice",
- "lease-agreement",
- "other-business-document",
- "other-personal-document",
- "passport",
- "profit-and-loss-statement",
- "proof-of-address",
- "proof-of-income",
- "property-document",
- "purchase-order",
- "tax-return",
- "utility-bill",
- "vehicle-document",
- "voided-check"
- ],
- "type": "string"
- },
- "fileName": {
- "description": "The original name of the file.",
- "type": "string"
- }
-}Input schema / requiredRemoved value: -[
- "applicationId",
- "fileName",
- "documentType"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "documentId": {
- "type": "string"
- },
- "message": {
- "type": "string"
- },
- "success": {
- "type": "boolean"
- },
- "uploadFields": {
- "additionalProperties": {
- "type": "string"
- },
- "propertyNames": {
- "type": "string"
- },
- "type": "object"
- },
- "uploadUrl": {
- "type": "string"
- }
- },
- "required": [
- "success",
- "message"
- ],
- "type": "object"
-}New value: +nullsubmit_prequalification_details5 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "applicationId": {
- "description": "The SecureLend application ID (returned by get_offer or get_multiple_offers) to which this additional information should be attached.",
- "type": "string"
- },
- "autoInsuranceInformation": {
- "properties": {
- "hasAutoInsurance": {
- "description": "Whether the applicant currently has auto insurance",
- "type": "boolean"
- },
- "numberOfVehicles": {
- "maximum": 9007199254740991,
- "minimum": 1,
- "type": "integer"
- }
- },
- "type": "object"
- },
- "businessInformation": {
- "properties": {
- "annualRevenue": {
- "description": "Most recent full-year gross revenue in USD",
- "minimum": 0,
- "type": "number"
- },
- "averageMonthlyBankBalance": {
- "description": "Average daily/monthly bank balance over last 3 months",
- "minimum": 0,
- "type": "number"
- },
- "averageMonthlyCreditCardSales": {
- "description": "Average monthly credit/debit card sales volume (for MCA products)",
- "minimum": 0,
- "type": "number"
- },
- "businessAddress1": {
- "description": "Business street address",
- "type": "string"
- },
- "businessAddress2": {
- "type": "string"
- },
- "businessBankAccountAge": {
- "description": "Age of primary business bank account in months",
- "maximum": 9007199254740991,
- "minimum": 0,
- "type": "integer"
- },
- "businessBankName": {
- "description": "Primary business bank name",
- "type": "string"
- },
- "businessCity": {
- "type": "string"
- },
- "businessDescription": {
- "description": "Brief description of the business, products, and services",
- "type": "string"
- },
- "businessLoanPurpose": {
- "description": "Primary purpose for the business loan",
- "enum": [
- "working_capital",
- "equipment_purchase",
- "real_estate",
- "inventory",
- "expansion",
- "refinance",
- "acquisition",
- "franchise",
- "startup",
- "payroll",
- "tax_payment",
- "other"
- ],
- "type": "string"
- },
- "businessName": {
- "description": "Legal business name",
- "minLength": 1,
- "type": "string"
- },
- "businessState": {
- "enum": [
- "AL",
- "AK",
- "AZ",
- "AR",
- "CA",
- "CO",
- "CT",
- "DE",
- "DC",
- "FL",
- "GA",
- "HI",
- "ID",
- "IL",
- "IN",
- "IA",
- "KS",
- "KY",
- "LA",
- "ME",
- "MD",
- "MA",
- "MI",
- "MN",
- "MS",
- "MO",
- "MT",
- "NE",
- "NV",
- "NH",
- "NJ",
- "NM",
- "NY",
- "NC",
- "ND",
- "OH",
- "OK",
- "OR",
- "PA",
- "RI",
- "SC",
- "SD",
- "TN",
- "TX",
- "UT",
- "VT",
- "VA",
- "WA",
- "WV",
- "WI",
- "WY",
- "PR",
- "VI",
- "GU",
- "MP",
- "AS"
- ],
- "type": "string"
- },
- "businessStructure": {
- "description": "Legal structure of the business",
- "enum": [
- "sole_proprietorship",
- "partnership",
- "llc",
- "llp",
- "s_corp",
- "c_corp",
- "nonprofit",
- "cooperative",
- "other"
- ],
- "type": "string"
- },
- "businessZip": {
- "pattern": "^\\d{5}$",
- "type": "string"
- },
- "collateralAvailable": {
- "description": "Whether the business can offer collateral",
- "type": "boolean"
- },
- "collateralDescription": {
- "description": "Description of available collateral (e.g., equipment, real estate, receivables)",
- "type": "string"
- },
- "collateralValue": {
- "description": "Estimated value of available collateral in USD",
- "type": "number"
- },
- "dba": {
- "description": "Doing Business As (DBA) name, if different from legal name",
- "type": "string"
- },
- "existingDebt": {
- "description": "Total outstanding business debt in USD",
- "minimum": 0,
- "type": "number"
- },
- "grossProfit": {
- "description": "Most recent full-year gross profit in USD",
- "type": "number"
- },
- "hasBankruptcyHistory": {
- "description": "Whether the business or owner has a bankruptcy history",
- "type": "boolean"
- },
- "hasGuarantor": {
- "description": "Whether a personal guarantee is available",
- "type": "boolean"
- },
- "hasOutstandingTaxLiens": {
- "description": "Whether the business has outstanding tax liens",
- "type": "boolean"
- },
- "hasPendingLitigation": {
- "description": "Whether the business has pending litigation",
- "type": "boolean"
- },
- "industry": {
- "description": "Industry description or NAICS/SIC code",
- "type": "string"
- },
- "isLicensed": {
- "description": "Whether the business holds required professional or industry licenses",
- "type": "boolean"
- },
- "monthlyDebtService": {
- "description": "Total monthly debt service payments in USD",
- "minimum": 0,
- "type": "number"
- },
- "monthlyRevenue": {
- "description": "Average monthly gross revenue in USD",
- "minimum": 0,
- "type": "number"
- },
- "monthsInBusiness": {
- "description": "Total months the business has been operating",
- "maximum": 9007199254740991,
- "minimum": 0,
- "type": "integer"
- },
- "naicsCode": {
- "description": "NAICS industry code",
- "pattern": "^\\d{2,6}$",
- "type": "string"
- },
- "netProfit": {
- "description": "Most recent full-year net profit/loss in USD",
- "type": "number"
- },
- "numberOfEmployees": {
- "description": "Current full-time equivalent employee count",
- "maximum": 9007199254740991,
- "minimum": 0,
- "type": "integer"
- },
- "ownershipPercentage": {
- "description": "Applicant's ownership percentage in the business",
- "maximum": 100,
- "minimum": 0,
- "type": "number"
- },
- "revenueGrowthRate": {
- "description": "Year-over-year revenue growth rate as a decimal (e.g., 0.15 for 15%)",
- "type": "number"
- },
- "stateOfIncorporation": {
- "description": "State where the business is incorporated or registered",
- "enum": [
- "AL",
- "AK",
- "AZ",
- "AR",
- "CA",
- "CO",
- "CT",
- "DE",
- "DC",
- "FL",
- "GA",
- "HI",
- "ID",
- "IL",
- "IN",
- "IA",
- "KS",
- "KY",
- "LA",
- "ME",
- "MD",
- "MA",
- "MI",
- "MN",
- "MS",
- "MO",
- "MT",
- "NE",
- "NV",
- "NH",
- "NJ",
- "NM",
- "NY",
- "NC",
- "ND",
- "OH",
- "OK",
- "OR",
- "PA",
- "RI",
- "SC",
- "SD",
- "TN",
- "TX",
- "UT",
- "VT",
- "VA",
- "WA",
- "WV",
- "WI",
- "WY",
- "PR",
- "VI",
- "GU",
- "MP",
- "AS"
- ],
- "type": "string"
- },
- "website": {
- "description": "Business website URL",
- "format": "uri",
- "type": "string"
- },
- "yearEstablished": {
- "description": "Year the business was founded",
- "maximum": 2026,
- "minimum": 1800,
- "type": "integer"
- }
- },
- "required": [
- "businessName"
- ],
- "type": "object"
- },
- "clientTags": {
- "additionalProperties": {
- "items": {
- "type": "string"
- },
- "type": "array"
- },
- "description": "Key-value tags for internal routing and tracking. Values must be arrays of strings. Example: { \"transid\": [\"fk912234\"], \"subid\": [\"ag67125\"] }",
- "propertyNames": {
- "type": "string"
- },
- "type": "object"
- },
- "creditCardInformation": {
- "properties": {
- "allowAnnualFee": {
- "description": "Whether the applicant is willing to pay an annual fee",
- "type": "boolean"
- },
- "cardPurposes": {
- "description": "Primary purpose(s) for the credit card",
- "items": {
- "enum": [
- "cash_back",
- "travel_incentives",
- "balance_transfer",
- "low_interest",
- "rewards",
- "business",
- "student",
- "secured",
- "other"
- ],
- "type": "string"
- },
- "type": "array"
- }
- },
- "type": "object"
- },
- "creditInformation": {
- "properties": {
- "providedCreditRating": {
- "description": "Self-reported credit rating category",
- "enum": [
- "excellent",
- "good",
- "fair",
- "poor",
- "bad"
- ],
- "type": "string"
- },
- "providedNumericCreditScore": {
- "description": "Self-reported numeric credit score (300–850)",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- }
- },
- "type": "object"
- },
- "educationInformation": {
- "properties": {
- "educationLevel": {
- "description": "Highest level of education completed",
- "enum": [
- "high_school",
- "some_college",
- "associates",
- "bachelors",
- "masters",
- "doctorate",
- "professional",
- "trade_school",
- "other"
- ],
- "type": "string"
- },
- "graduateDegreeType": {
- "description": "Specific graduate degree type (if applicable)",
- "enum": [
- "master_of_arts",
- "master_of_science",
- "master_of_business_administration",
- "juris_doctor",
- "doctor_of_medicine",
- "doctor_of_philosophy",
- "other"
- ],
- "type": "string"
- }
- },
- "type": "object"
- },
- "employmentInformation": {
- "properties": {
- "employerName": {
- "description": "Name of current employer",
- "type": "string"
- },
- "jobTitle": {
- "description": "Current job title",
- "type": "string"
- },
- "monthsEmployed": {
- "description": "Months at current employer",
- "maximum": 9007199254740991,
- "minimum": 0,
- "type": "integer"
- }
- },
- "type": "object"
- },
- "financialInformation": {
- "properties": {
- "annualIncome": {
- "description": "Gross annual income in USD",
- "minimum": 0,
- "type": "number"
- },
- "creditCardDebt": {
- "description": "Total outstanding credit card debt in USD",
- "minimum": 0,
- "type": "number"
- },
- "employmentPayFrequency": {
- "description": "How often the applicant is paid",
- "enum": [
- "weekly",
- "biweekly",
- "semimonthly",
- "monthly",
- "annually",
- "other"
- ],
- "type": "string"
- },
- "employmentStatus": {
- "description": "Current employment status",
- "enum": [
- "employed",
- "self_employed",
- "unemployed",
- "retired",
- "student",
- "part_time",
- "contractor",
- "other"
- ],
- "type": "string"
- },
- "monthlyNetIncome": {
- "description": "Monthly take-home (net) income in USD",
- "minimum": 0,
- "type": "number"
- },
- "monthsAtBank": {
- "description": "Months the applicant has held their current bank account",
- "maximum": 9007199254740991,
- "minimum": 0,
- "type": "integer"
- }
- },
- "required": [
- "employmentStatus",
- "annualIncome"
- ],
- "type": "object"
- },
- "isTest": {
- "default": false,
- "description": "Set to true to test the submission flow without forwarding to live lenders.",
- "type": "boolean"
- },
- "legalInformation": {
- "properties": {
- "consentsToFcra": {
- "description": "REQUIRED. By providing true, the user confirms they have read and agreed to the FCRA authorization language allowing SecureLend and its lender partners to obtain their consumer credit report. Must be explicitly confirmed by the user before this tool is called.",
- "type": "boolean"
- },
- "consentsToSms": {
- "description": "Whether the user explicitly consents to SMS contact",
- "type": "boolean"
- },
- "consentsToTcpa": {
- "description": "REQUIRED. By providing true, the user confirms they agree to be contacted by lender partners via email, phone, and text message regarding their loan enquiry. Must be explicitly confirmed by the user before this tool is called.",
- "type": "boolean"
- },
- "fcraLanguage": {
- "description": "The exact FCRA disclosure text shown to and agreed to by the user. If not provided, SecureLend's default FCRA language will be used.",
- "type": "string"
- },
- "tcpaLanguage": {
- "description": "The exact TCPA disclosure text shown to and agreed to by the user. If not provided, SecureLend's default TCPA language will be used.",
- "type": "string"
- }
- },
- "required": [
- "consentsToFcra",
- "consentsToTcpa"
- ],
- "type": "object"
- },
- "loanInformation": {
- "properties": {
- "loanAmount": {
- "description": "Requested loan amount in USD",
- "maximum": 100000,
- "minimum": 500,
- "type": "number"
- },
- "purpose": {
- "description": "Purpose of the loan",
- "enum": [
- "debt_consolidation",
- "home_improvement",
- "medical",
- "car_purchase",
- "vacation",
- "wedding",
- "moving_relocation",
- "green_loan",
- "business",
- "emergency",
- "large_purchase",
- "other"
- ],
- "type": "string"
- }
- },
- "required": [
- "purpose",
- "loanAmount"
- ],
- "type": "object"
- },
- "mortgageInformation": {
- "properties": {
- "currentWithLoan": {
- "description": "Whether payments on the current mortgage are current",
- "type": "boolean"
- },
- "hasFHALoan": {
- "description": "Whether the current mortgage is an FHA loan",
- "type": "boolean"
- },
- "lenderName": {
- "description": "Current mortgage lender name",
- "type": "string"
- },
- "mortgageBalance": {
- "description": "Outstanding mortgage balance in USD",
- "type": "number"
- },
- "propertyStatus": {
- "description": "Current property ownership status",
- "enum": [
- "own_outright",
- "own_with_mortgage",
- "rent",
- "other"
- ],
- "type": "string"
- },
- "propertyType": {
- "description": "Type of property",
- "enum": [
- "single_family",
- "multi_family",
- "condo",
- "townhouse",
- "manufactured",
- "land",
- "other"
- ],
- "type": "string"
- },
- "propertyValue": {
- "description": "Estimated market value of the property in USD",
- "type": "number"
- }
- },
- "type": "object"
- },
- "personalInformation": {
- "properties": {
- "email": {
- "description": "Email address",
- "format": "email",
- "pattern": "^(?!\\.)(?!.*\\.\\.)([A-Za-z0-9_'+\\-\\.]*)[A-Za-z0-9_+-]@([A-Za-z0-9][A-Za-z0-9\\-]*\\.)+[A-Za-z]{2,}$",
- "type": "string"
- },
- "firstName": {
- "description": "Legal first name",
- "minLength": 1,
- "type": "string"
- },
- "lastName": {
- "description": "Legal last name",
- "minLength": 1,
- "type": "string"
- },
- "primaryPhone": {
- "description": "10-digit primary phone number, digits only",
- "pattern": "^\\d{10}$",
- "type": "string"
- },
- "state": {
- "description": "2-letter US state code",
- "enum": [
- "AL",
- "AK",
- "AZ",
- "AR",
- "CA",
- "CO",
- "CT",
- "DE",
- "DC",
- "FL",
- "GA",
- "HI",
- "ID",
- "IL",
- "IN",
- "IA",
- "KS",
- "KY",
- "LA",
- "ME",
- "MD",
- "MA",
- "MI",
- "MN",
- "MS",
- "MO",
- "MT",
- "NE",
- "NV",
- "NH",
- "NJ",
- "NM",
- "NY",
- "NC",
- "ND",
- "OH",
- "OK",
- "OR",
- "PA",
- "RI",
- "SC",
- "SD",
- "TN",
- "TX",
- "UT",
- "VT",
- "VA",
- "WA",
- "WV",
- "WI",
- "WY",
- "PR",
- "VI",
- "GU",
- "MP",
- "AS"
- ],
- "type": "string"
- },
- "workPhone": {
- "description": "10-digit work phone, digits only",
- "pattern": "^\\d{10}$",
- "type": "string"
- },
- "zipcode": {
- "description": "5-digit US ZIP code",
- "pattern": "^\\d{5}$",
- "type": "string"
- }
- },
- "required": [
- "firstName",
- "lastName",
- "email",
- "primaryPhone",
- "state",
- "zipcode"
- ],
- "type": "object"
- },
- "productTypes": {
- "description": "List of product types this submission supports. Used for multi-product routing.",
- "items": {
- "enum": [
- "loan",
- "mortgage",
- "credit_card",
- "savings",
- "business_loan",
- "auto_loan",
- "student_loan",
- "insurance"
- ],
- "type": "string"
- },
- "minItems": 1,
- "type": "array"
- },
- "savingsInformation": {
- "properties": {
- "minDepositAmount": {
- "description": "Minimum initial deposit amount the applicant is willing to make",
- "type": "number"
- }
- },
- "type": "object"
- },
- "sessionUuid": {
- "description": "Session UUID from the originating session. Used for Engine/MoneyLion routing.",
- "format": "uuid",
- "pattern": "^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$",
- "type": "string"
- }
-}Input schema / requiredRemoved value: -[
- "applicationId",
- "productTypes"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "applicationId": {
- "description": "The SecureLend application ID this information was attached to",
- "type": "string"
- },
- "message": {
- "description": "Human-readable status message",
- "type": "string"
- },
- "nextSteps": {
- "description": "Suggested next steps for the applicant",
- "items": {
- "type": "string"
- },
- "type": "array"
- },
- "providers": {
- "description": "Per-provider submission results, if forwarding was attempted",
- "items": {
- "additionalProperties": false,
- "properties": {
- "message": {
- "type": "string"
- },
- "providerId": {
- "type": "string"
- },
- "providerName": {
- "type": "string"
- },
- "providerSubmissionId": {
- "description": "Provider's own reference ID for this submission",
- "type": "string"
- },
- "status": {
- "enum": [
- "submitted",
- "accepted",
- "rejected",
- "pending",
- "error"
- ],
- "type": "string"
- }
- },
- "required": [
- "providerId",
- "providerName",
- "status"
- ],
- "type": "object"
- },
- "type": "array"
- },
- "requiredFields": {
- "description": "If status is failed or partial, this lists field names that were required but missing",
- "items": {
- "type": "string"
- },
- "type": "array"
- },
- "status": {
- "enum": [
- "received",
- "forwarded",
- "partially_forwarded",
- "queued",
- "failed"
- ],
- "type": "string"
- },
- "submissionId": {
- "description": "Unique ID for this additional information submission record",
- "type": "string"
- },
- "success": {
- "type": "boolean"
- },
- "updatedAt": {
- "description": "ISO timestamp of when the submission was processed",
- "format": "date-time",
- "pattern": "^(?:(?:\\d\\d[2468][048]|\\d\\d[13579][26]|\\d\\d0[48]|[02468][048]00|[13579][26]00)-02-29|\\d{4}-(?:(?:0[13578]|1[02])-(?:0[1-9]|[12]\\d|3[01])|(?:0[469]|11)-(?:0[1-9]|[12]\\d|30)|(?:02)-(?:0[1-9]|1\\d|2[0-8])))T(?:(?:[01]\\d|2[0-3]):[0-5]\\d(?::[0-5]\\d(?:\\.\\d+)?)?(?:Z))$",
- "type": "string"
- }
- },
- "required": [
- "success",
- "applicationId",
- "submissionId",
- "status",
- "updatedAt"
- ],
- "type": "object"
-}New value: +nulltrack_offer_status5 fields changedInput schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "applicationId": {
- "description": "The unique ID of the application to track.",
- "type": "string"
- }
-}Input schema / requiredRemoved value: -[
- "applicationId"
-]Output schema / (root)Previous value: -{
- "$schema": "http://json-schema.org/draft-07/schema#",
- "additionalProperties": false,
- "properties": {
- "applications": {
- "items": {
- "additionalProperties": false,
- "properties": {
- "applicationId": {
- "description": "Alias of `id`. Pass this value as `applicationId` to the `track_offer_status` tool to check enquiry status later.",
- "type": "string"
- },
- "createdAt": {
- "description": "The timestamp when the application was created.",
- "type": "string"
- },
- "id": {
- "description": "The unique ID of the application.",
- "type": "string"
- },
- "productType": {
- "anyOf": [
- {
- "enum": [
- "INSTALLMENT_LOAN",
- "LINE_OF_CREDIT",
- "SHORT_TERM_CREDIT",
- "BNPL",
- "MORTGAGE",
- "AUTO_LOAN",
- "AUTO_REFINANCE",
- "STUDENT_LOAN",
- "STUDENT_LOAN_REFINANCE",
- "BUSINESS_LOAN",
- "BUSINESS_BANKING",
- "BUSINESS_CREDIT_CARD",
- "PERSONAL_BANKING",
- "SAVINGS_ACCOUNT",
- "PERSONAL_CREDIT_CARD"
- ],
- "type": "string"
- },
- {
- "type": "string"
- }
- ],
- "description": "The type of product applied for."
- },
- "providers": {
- "description": "The list of providers the application was sent to.",
- "items": {
- "additionalProperties": false,
- "properties": {
- "error": {
- "type": "string"
- },
- "providerApplicationId": {
- "type": "string"
- },
- "providerId": {
- "type": "string"
- },
- "providerName": {
- "type": "string"
- },
- "referralUrl": {
- "format": "uri",
- "type": "string"
- },
- "status": {
- "enum": [
- "PENDING",
- "SUBMITTED",
- "REFERRED",
- "ERROR",
- "RECEIVED"
- ],
- "type": "string"
- },
- "submittedAt": {
- "type": "string"
- }
- },
- "required": [
- "providerId",
- "providerName",
- "status"
- ],
- "type": "object"
- },
- "type": "array"
- },
- "requiredInfo": {
- "additionalProperties": false,
- "description": "Details on information required from the applicant when status is ACTION_REQUIRED.",
- "properties": {
- "documents": {
- "description": "List of required document types.",
- "items": {
- "type": "string"
- },
- "type": "array"
- },
- "message": {
- "type": "string"
- },
- "sections": {
- "description": "List of required additional information sections.",
- "items": {
- "type": "string"
- },
- "type": "array"
- }
- },
- "type": "object"
- },
- "status": {
- "description": "The current status of the application.",
- "enum": [
- "DRAFT",
- "SUBMITTED",
- "IN_REVIEW",
- "ACTION_REQUIRED",
- "APPROVED",
- "DECLINED",
- "CLOSED"
- ],
- "type": "string"
- }
- },
- "required": [
- "id",
- "createdAt",
- "status",
- "productType",
- "providers"
- ],
- "type": "object"
- },
- "type": "array"
- }
- },
- "required": [
- "applications"
- ],
- "type": "object"
-}New value: +nullcalculate_loan_paymentcalculate_mortgage_paymentcompare_business_bankingcompare_business_credit_cardscompare_business_loanscompare_business_mortgagescompare_car_loanscompare_lease_vs_purchasecompare_personal_bankingcompare_personal_credit_cardscompare_personal_loanscompare_personal_mortgagescompare_savings_accountscompare_student_loansdisplay_offer_formdisplay_prequalification_formdisplay_upload_documents_formget_multiple_offersget_offersubmit_documentssubmit_prequalification_detailstrack_offer_status
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