# Fig Finance MCP > Fig Finance MCP automates embedded lending cycles by giving your AI agent direct access to core financial functions. You can manage customer profiles, query live loan offers based on credit assessment data, and trigger fund disbursements—all without leaving your chat window. This lets you build complex B2B payment workflows directly into any conversational interface. ## Overview - **Category:** data-analytics - **Price:** Free - **Tags:** embedded-finance, lending, credit-assessment, disbursements, liquidity-management, b2b-payments ## Description Fig Finance is for platforms needing embedded finance capabilities in emerging markets. It connects your agent to the full lending lifecycle—from initial customer onboarding to final repayment tracking. You can use this MCP to register new users, immediately check their eligibility by querying tailored loan offers, and determine if they need help understanding their existing debt. If a client approves an offer, you trigger the disbursement; or, if the loan is active, you pull detailed repayment schedules and monitor the current account balance. It's about making complex financial steps—like listing all transactions or reviewing the authorized application details—feel like simple questions to your AI agent. All this functionality lives in one place on Vinkius, so you can connect it from any MCP-compatible client. ## Tools ### apply_for_loan Submits a formal request to apply for a new loan on behalf of a customer. ### create_customer Adds and registers details for a brand-new customer profile into the system. ### disburse_funds Initiates the transfer of approved loan funds to the designated account. ### get_balance Retrieves the current available cash balance associated with the authorized application account. ### get_customer Pulls all known details for a specific customer ID into your agent's context. ### get_loan_offers Retrieves all possible loan products and their terms available to a specified customer. ### get_loan_status Checks the current lifecycle stage of any given loan application or account. ### get_me Pulls basic profile details for the authorized user account making the requests. ### get_repayments Fetches the detailed repayment schedule and status for any active loan. ### list_customers Provides a comprehensive list of all customer records maintained in your Fig Finance account. ### list_loans Generates an overview listing every loan currently recorded in the system. ### list_transactions Outputs a full chronological list of all financial movements and transactions. ## Prompt Examples **Prompt:** ``` List all customers in my Fig Finance account. ``` **Response:** ``` I've retrieved your customer list. You have 25 registered customers, including 'Samuel Okoro' (ID: cust_101) and 'Adaeze Nwosu' (ID: cust_102). Which customer would you like to check for loan offers? ``` **Prompt:** ``` Show me the available loan offers for customer cust_101. ``` **Response:** ``` Inspecting offers... For Samuel Okoro, I found 2 available offers: a 'Nano Loan' of 50,000 NGN (3 months) and a 'Growth Capital' offer of 250,000 NGN (6 months). Would you like to apply for either? ``` **Prompt:** ``` What is my current account balance? ``` **Response:** ``` Retrieving balance... Your current Fig Finance wallet balance is 1,250,000.00 NGN. Shall I list the recent transactions for this month? ``` ## Capabilities ### Onboard and Profile Customers Register new users or pull detailed records for existing customers to assess their credit standing. ### Assess Loan Eligibility Query real-time loan offers and check the current status of any application against available funds. ### Manage Funds Flow Trigger fund disbursements for approved loans, or list all past financial transactions to audit activity. ## Use Cases ### A new merchant needs credit. An ops analyst asks their agent: 'Check Samuel Okoro (cust_101) for loans.' The agent runs `get_loan_offers`, finds two options, and then the analyst uses `apply_for_loan` to submit his choice instantly. ### Checking account health. A manager asks: 'What's our liquidity?' The agent calls `get_balance`. If that's good, they then use `list_transactions` to show the team where the recent funds came from. ### Approving a disbursement. After verifying the customer via `get_customer`, the agent confirms everything is ready and executes `disburse_funds`. This replaces multiple email sign-offs with one command. ## Benefits - Eliminate manual data entry: You can check a customer's eligibility and get loan offers using `get_loan_offers` without opening any external dashboards. - Audit everything instantly: Need to know where the money went? Use `list_transactions` or `list_loans` to pull a full, auditable history via your agent. - Close the loop on funding: Instead of sending an email to start the process, call `disburse_funds` directly from your chat workflow once approval is confirmed. - Manage client records: Use `create_customer` and `get_customer` together. This lets you build a complete customer profile and assess their standing in one sequence. - Track repayment risk: Don't guess on payments. Call `get_repayments` to get the official schedule, or run `list_loans` for an account overview. ## How It Works The bottom line is: your AI client talks directly to Fig Finance's core services without needing a custom middleware layer or manual API calls. 1. First, subscribe to this MCP and provide your Fig Finance API Key from the partner dashboard. 2. Your AI agent then uses specific functions—like `list_customers` or `get_balance`—to pull initial account data. 3. The agent structures that raw data, allowing you to execute complex actions like submitting an application via `apply_for_loan`. ## Frequently Asked Questions **How do I know if the balance is high enough for disbursement using get_balance?** The agent returns your current wallet balance. You use this number in conjunction with the requested loan amount to confirm sufficient funds before calling `disburse_funds`. **Can I check a customer's details without knowing their ID? (get_customer)** No, `get_customer` requires an ID. If you don't have it, first run `list_customers` to get the full list and find the correct identifier. **What if I want to see all my loans? (list_loans)** Calling `list_loans` gives you a summary of every loan. If you need deep details on one, use that loan's ID in the `get_loan_status` tool. **Does apply_for_loan automatically start the process?** No, it just submits the application request. You still need to check the status using `get_loan_status` afterward to confirm if an offer was accepted. **When I run `create_customer`, what information is required to successfully register a new account?** You must provide core identifying details, such as the customer's full name and primary contact number. The MCP validates this data against Fig Finance standards before registration; incomplete fields will generate an error that specifies which data points are missing. **If I use `disburse_funds` and the transaction fails, how do I troubleshoot the issue?** A failed disbursement usually indicates insufficient funds or an invalid account ID. Check your current balance using `get_balance`, then verify all IDs in the request payload against the system records before retrying. **How does the data I provide affect the results from `get_loan_offers`?** The offers generated are based on the customer profile and any associated risk scores you pass to the tool. Better, more complete customer records mean the agent can query for a much narrower and more accurate set of loan options. **Can I filter transaction history when listing data using `list_transactions`?** Yes, you control the scope by specifying parameters like start date, end date, or specific transaction types. This prevents retrieving massive amounts of irrelevant data and keeps your queries focused. **How do I obtain my Fig Finance API Key?** You can generate your API Key within your Fig Finance Partner Dashboard under the **Developer** or **API Keys** section. **Does Fig Finance support real-time disbursement?** Yes, Fig Finance focuses on automated and near-instant disbursements once a loan application is approved through its AI algorithms. **Can I check the wallet balance of my account?** Yes! The `get_balance` tool allows you to retrieve the current available balance in your Fig Finance account flawlessly.