SecureLend Market

get_multiple_offers

Create and submit a user-confirmed lending enquiry to multiple selected lenders and return the created application record and routing details.

Input Schema

TableJSON Schema

Name	Required	Description	Default
No arguments

Schema Changelog

Changes observed during successful MCP inspections.

Changed5 schema fields changedSep 23, 2026

removedInput schema / $schema

Removed value: -"http://json-schema.org/draft-07/schema#"

addedInput schema / additionalProperties
```
Added value: +true
```

removedInput schema / properties

Removed 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"
-  }
-}

removedInput schema / required

Removed value: -[
-  "productType",
-  "applicant",
-  "applicationData",
-  "providers"
-]

changedOutput 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: +null

First observedMay 27, 2026

TDQS

A3.5/5.0

Behavior3/5

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.

Conciseness5/5

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.

Completeness4/5

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.

Parameters4/5

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.

Purpose4/5

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.

Usage Guidelines2/5

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.

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