How do I trigger an automated credit decision?

Use the `submit_loan_application` tool with the unique application ID. This will trigger the rules-based or AI-driven decision engine configured in your LendAPI account.

Can I search for valid values for specific fields like 'purpose'?

Yes, the `get_lendapi_picklists` tool allows you to retrieve the full list of allowed values for various metadata fields, ensuring your application data is compliant.

Is it possible to manage borrower profiles via the agent?

Absolutely. You can list all borrowers, retrieve detailed profile information, and create new borrower records using the specific borrower tools provided.

LendAPI MCP Server

Name: LendAPI
Availability: InStock
Author: Vinkius

lendapi.com

Built by Vinkius GDPR ToolsFree

Manage loan applications, borrower profiles, and credit decisioning via the LendAPI REST API.

Vinkius AI Gateway supports streamable HTTP and SSE.

Works with every AI agent you already use

…and any MCP-compatible client

LendAPI MCP Server: see your AI Agent in action

AI Agent→Vinkius→LendAPI

You

Vinkius AI Gateway

GDPR·High Security·Kill Switch·Ultra-Low Latency·Plug and Play

Built-in capabilities (8)

create_loan_application

Requires a JSON body with application details. Create a new loan application

create_new_borrower

Requires a JSON body with profile details. Create a new borrower profile

get_application_details

Get details for a specific loan application

get_borrower_details

Get details for a specific borrower

get_lendapi_picklists

Retrieve valid picklist values for metadata fields

list_borrowers

List all borrower profiles

list_loan_applications

List all loan applications

submit_loan_application

Submit a loan application for decisioning

What this connector unlocks

Connect your LendAPI account to any AI agent to automate your loan origination and management workflows. This MCP server enables your agent to interact with borrower profiles, manage loan applications, and trigger automated credit decisioning directly from natural language interfaces.

What you can do

Borrower Oversight — List and retrieve detailed profiles for all registered borrowers in your system
Application Lifecycle — List, retrieve, and create loan application drafts while monitoring their current status
Credit Decisioning — Submit applications for automated credit review and trigger AI/ML risk assessments
Data Standardization — Retrieve valid picklist values for purposes, industries, and asset types to ensure data quality
Onboarding Automation — Create new borrower records and manage their associated loan requests seamlessly

How it works

1. Subscribe to this server
2. Enter your LendAPI API Key (Bearer Token)
3. Start managing your digital lending operations from Claude, Cursor, or any MCP-compatible client

Who is this for?

Lending Managers — Monitor application pipelines and borrower statuses via simple natural language commands
Underwriters — Quickly retrieve applicant metadata and financial history without leaving your dev tools
Fintech Developers — Integrate loan origination logic and borrower management into your custom fintech applications

Frequently asked questions

Give your AI agents the power of LendAPI

Access LendAPI and 2,000+ MCP servers — ready for your agents to use, right now. No glue code. No custom integrations. Just plug Vinkius AI Gateway and let your agents work.

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