# LendAPI MCP MCP > LendAPI connects your AI client directly to your loan origination system. You can pull borrower profiles, draft loan applications, and push them into automated credit decisioning without leaving your IDE. It handles the strict sequencing of creating a borrower, drafting the loan, and submitting it for underwriting review. ## Overview - **Category:** erp-operations - **Price:** Free - **Tags:** loan-origination, credit-decisioning, borrower-management, lending-platform, financial-automation ## Description You spend half your day toggling between your underwriting dashboard and your code editor. You check a borrower's status, copy their ID, paste it into a loan form, fill out the asset type, and wait for the credit engine to spit out a decision. It is tedious and prone to typos. This connector changes that. You just talk to your AI client in plain English. Tell it to pull up a specific borrower, draft a new loan for them, and push it into the decisioning queue. The system handles the strict data dependencies behind the scenes. It makes sure the borrower exists before the loan gets created, and it validates the metadata against your current picklists so the underwriting engine does not reject it for bad formatting. Since it is hosted on Vinkius, you connect once and get immediate access to your entire lending stack from Cursor, Claude, or whatever MCP-compatible client you prefer. You stop acting like a human data entry bridge and start actually building lending logic. ## Tools ### list_loan_applications Grabs all active loan drafts and submitted applications across your pipeline. ### list_borrowers Retrieves a paginated list of all borrower profiles currently in your system. ### create_loan_application Drafts a new loan request and ties it to a specific borrower profile. ### create_new_borrower Adds a new applicant profile to the system with all required identity details. ### get_application_details Fetches the current status, amount, and underwriting stage for a specific loan. ### get_borrower_details Pulls the full profile and financial metadata for a single registered applicant. ### get_lendapi_picklists Returns the currently valid dropdown values for loan purposes, industries, and asset types. ### submit_loan_application Pushes a completed loan draft into the automated credit decisioning engine. ## Prompt Examples **Prompt:** ``` List all borrowers in my LendAPI account. ``` **Response:** ``` I've retrieved your borrowers. You have 12 registered profiles, including 'John Smith', 'Alice Doe', and 'Robert Brown'. Which one would you like to inspect? ``` **Prompt:** ``` Show details for loan application ID 'APP-12345'. ``` **Response:** ``` I've fetched application APP-12345. It's currently in 'Underwriting' status for a personal loan of $5,000.00. The primary borrower is 'John Smith'. ``` **Prompt:** ``` Submit application 'APP-12345' for a final credit decision. ``` **Response:** ``` Successfully submitted application APP-12345 for decisioning. The automated engine is now reviewing the risk profile and generating a credit outcome. ``` ## Capabilities ### Create borrower profiles Add new applicants to your lending system with full profile details. ### Draft loan applications Generate new loan requests and tie them to existing borrowers. ### Submit for credit decisioning Push completed loan drafts into the automated underwriting queue. ### Fetch application status Check the exact underwriting stage and financial details of any active loan. ### Pull borrower history Retrieve full profile data and financial metadata for registered applicants. ### Validate metadata fields Grab the current valid picklist values for industries, asset types, and loan purposes. ## Use Cases ### Drafting a loan without the web UI A developer is building a new onboarding flow. They ask their agent to use `create_new_borrower` for a test user, then `create_loan_application` for a $5,000 personal loan, and finally `submit_loan_application` to test the decisioning engine end-to-end. ### Clearing a backlog of stuck applications An ops manager notices a pile of loans sitting in draft status. They tell their agent to run `list_loan_applications`, filter for drafts older than 48 hours, and use `get_application_details` to see exactly what data is missing before fixing them. ### Validating metadata before a bulk upload A fintech dev is about to push 500 new loans via script. They use `get_lendapi_picklists` to pull the exact valid industry codes, ensuring their bulk payload matches the underwriting engine's strict formatting rules. ### Checking applicant history during a call An underwriter is on the phone with a borrower. They ask their AI client to run `get_borrower_details` to instantly pull the applicant's current risk profile and past loan history without tabbing over to the main dashboard. ## Benefits - You stop guessing valid dropdown values. The `get_lendapi_picklists` tool feeds your agent the exact asset types and loan purposes, so your applications never get rejected for bad metadata. - You eliminate orphaned loan records. The agent naturally calls `create_new_borrower` before `create_loan_application`, ensuring every loan has a valid identity tied to it before submission. - You get instant visibility into the underwriting queue. Use `list_loan_applications` to see exactly which loans are stuck in review without leaving your terminal or IDE. - You push loans to the decisioning engine instantly. Instead of clicking through a web UI, `submit_loan_application` triggers the automated risk assessment the second you finish drafting. - You pull borrower history on the fly. When a loan needs manual review, `get_borrower_details` gives your agent the exact financial metadata it needs to spot missing documentation. ## How It Works The bottom line is you stop writing boilerplate REST calls and just tell the agent what loan you want to process. 1. Connect your LendAPI account by pasting your Bearer Token into the Vinkius dashboard. 2. Open your preferred AI client and ask it to pull a borrower list or draft a new loan application. 3. Watch the agent handle the API sequencing, validate the picklists, and submit the application for decisioning. ## Frequently Asked Questions **How do I check the status of a loan with LendAPI MCP?** Use the `get_application_details` tool. It returns the exact underwriting stage, loan amount, and primary borrower for any specific application ID you pass to it. **Can LendAPI MCP create a new borrower profile?** Yes. The `create_new_borrower` tool adds a new applicant to your system. You just pass the required profile details in the JSON body, and it returns the new borrower ID. **How do I push a loan to underwriting using LendAPI MCP?** Call the `submit_loan_application` tool. It takes a completed loan draft and pushes it directly into the automated credit decisioning engine for risk assessment. **Does LendAPI MCP show me all active loans?** Yes. The `list_loan_applications` tool retrieves your entire pipeline of active loan drafts and submitted applications across the system. **How do I know which asset types are valid in LendAPI MCP?** Use the `get_lendapi_picklists` tool. It pulls the currently valid dropdown values for loan purposes, industries, and asset types so your applications do not get rejected. **How does LendAPI MCP handle authentication?** You authenticate with a Bearer Token from your LendAPI dashboard. Enter this API key during the initial setup, and the MCP passes it in the header for every request your AI client makes. **What payload does the create_loan_application tool expect?** It expects a JSON body with the core application details. Your agent will ask you for the loan amount, purpose, and borrower ID before formatting and sending the request to LendAPI. **Does the get_borrower_details tool return financial history?** Yes, it pulls the full profile for a specific borrower. The response includes their contact info, registered assets, and current loan requests, giving your agent the context needed for underwriting. **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.