aid: acorn-finance
name: Acorn Finance
description: Acorn Finance, operated by Headway Sales Inc. (NMLS ID# 1817022) of Sacramento,
  California, runs an embedded lending marketplace for home improvement and business
  financing. Consumers pre-qualify for personal loans of $1,000 to $100,000 through
  a soft credit pull and compare offers from a network of lending partners, while
  contractors, dealers and point-of-sale software vendors embed those offers into
  estimates, invoices, quotes, carts and PDFs. Acorn Finance publishes a public partner
  developer program at docs.acornfinance.com covering a Basic-authenticated REST API
  on api.acornfinance.com (company and user provisioning, loan application retrieval,
  API key rotation and lowest-payment-amount quoting), a partner postback webhook,
  and a family of embeddable JavaScript widgets served from widgets-cdn.acornfinance.com.
url: https://raw.githubusercontent.com/api-evangelist/acorn-finance/refs/heads/main/apis.yml
image: https://www.acornfinance.com/wp-content/uploads/2022/02/acorn-finance-logo-compressed.svg
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
x-enrichment:
  date: '2026-09-06'
  status: enriched
  artifacts_added: 16
  pass: local-v3
created: '2026-09-06'
modified: '2026-09-06'
tags:
- Company
- Financial Services
- Lending
- Loans
- Home Improvement
- Embedded Finance
- Point of Sale
- Consumer Finance
- Fintech
- Webhooks
apis:
- aid: acorn-finance-partner-api
  name: Acorn Finance Partner API
  description: The Acorn Finance partner REST API. Basic-authenticated JSON endpoints
    on api.acornfinance.com let point-of-sale and contractor-software partners create
    companies and company users, retrieve loan application status, rotate API credentials,
    and request the lowest monthly payment amount (and a hosted loan application URL)
    for a given loan amount, project sub-purpose and location. A UAT environment is
    published at uat.api.acornfinance.com.
  humanURL: https://docs.acornfinance.com/overview
  baseURL: https://api.acornfinance.com
  image: https://www.acornfinance.com/wp-content/uploads/2022/02/acorn-finance-logo-compressed.svg
  tags:
  - Lending
  - Loans
  - Applications
  - Embedded Finance
  - Point of Sale
  properties:
  - type: Documentation
    url: https://docs.acornfinance.com/overview
  - type: APIReference
    url: https://docs.acornfinance.com/api-applications
  - type: GettingStarted
    url: https://docs.acornfinance.com/api-sign-up
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.acornfinance.com/
- type: DeveloperPortal
  url: https://docs.acornfinance.com/
- type: Documentation
  url: https://docs.acornfinance.com/overview
- type: APIReference
  url: https://docs.acornfinance.com/api-applications
- type: GettingStarted
  url: https://docs.acornfinance.com/api-sign-up
- type: SignUp
  url: https://sign-up.acornfinance.com/
- type: Login
  url: https://my.acornfinance.com/
- type: Support
  url: https://www.acornfinance.com/contact-us/
- type: HelpCenter
  url: https://www.acornfinance.com/faq/
- type: Blog
  url: https://www.acornfinance.com/blogpost_category/news/
- type: Pricing
  url: https://www.acornfinance.com/contractors/
- type: TermsOfService
  url: https://www.acornfinance.com/terms-of-use/
- type: PrivacyPolicy
  url: https://www.acornfinance.com/privacy-policy/
- type: GitHubOrganization
  url: https://github.com/headwaysales
- type: DomainSecurity
  url: security/acorn-finance-domain-security.yml
- type: Authentication
  url: authentication/acorn-finance-authentication.yml
- type: Conventions
  url: conventions/acorn-finance-conventions.yml
- type: ErrorCatalog
  url: errors/acorn-finance-problem-types.yml
- type: Lifecycle
  url: lifecycle/acorn-finance-lifecycle.yml
- type: Conformance
  url: conformance/acorn-finance-conformance.yml
- type: Compliance
  url: conformance/acorn-finance-conformance.yml
- type: Webhooks
  url: asyncapi/acorn-finance-postback-webhooks.yml
- type: Sandbox
  url: sandbox/acorn-finance-sandbox.yml
- type: Components
  url: components/acorn-finance-components.yml
- type: DataModel
  url: data-model/acorn-finance-data-model.yml
- type: Packages
  url: packages/acorn-finance-packages.yml
- type: Plans
  url: plans/acorn-finance-plans-pricing.yml
- type: RateLimits
  url: rate-limits/acorn-finance-rate-limits.yml
- type: LLMsTxt
  url: llms/acorn-finance-llms.txt
- type: X-MCPServerCandidate
  url: mcp/acorn-finance-mcp.yml