generated: '2026-09-06'
method: derived
status: candidate
source: https://docs.acornfinance.com/overview
note: >-
  Acorn Finance ships NO MCP server. This file is a derived candidate only: the tools
  below are a faithful projection of the endpoints Acorn actually documents, written
  so an agent-readiness review can see what an Acorn MCP server would plausibly
  expose. Nothing here is served by Acorn Finance and no endpoint URL is asserted.
  Searched on 2026-09-06: no MCP server appears in Acorn's documentation, on its site,
  or in any public registry; api.acornfinance.com/mcp returns 404; there is no npm or
  PyPI package under the company name; github.com/headwaysales has zero public
  repositories. The candidate tool schemas are additionally constrained by the absence
  of any OpenAPI document — parameters are transcribed from documentation tables, not
  parsed from a contract.
deployment:
  mode: none
  endpoint: null
  install: null
  package: null
  auth: unknown
  verified: searched
search_evidence:
- url: https://api.acornfinance.com/mcp
  status: 404
- url: https://docs.acornfinance.com/mcp
  status: 200
  note: SPA shell — the docs site's catch-all route, not an MCP endpoint
- registry: npm
  query: acorn-finance, acornfinance
  result: no first-party package
- url: https://github.com/headwaysales
  status: 200
  note: organisation exists, 0 public repositories
candidate_tools:
- name: get_active_credentials
  description: Fetch the currently active API credential pair for the calling company.
  backing_operation: GET /active_credentials
  inputs: []
  auth: basic
  side_effects: none
  docs: https://docs.acornfinance.com/api-active-credential
- name: list_loan_applications
  description: >-
    List loan applications visible to the calling company, filtered by application id,
    company id, dealer id, applicant details, status or date range.
  backing_operation: GET /company_applications
  inputs:
  - name: aid
    description: application id
  - name: cid
    description: company id
  - name: did
    description: dealer id
  - name: email
  - name: first_name
  - name: last_name
  - name: since
    description: ISO date
  - name: end_date
    description: ISO date
  - name: status
    description: NO OFFER | OFFERED | SELECTED | FUNDED | EXPIRED
  - name: utm_content
    description: partner estimate/invoice id
  - name: latest
    description: 20 | 50 | 100 | 200
  - name: page
  - name: per_page
    description: 10 | 20 | 50 | 100
  auth: basic
  side_effects: none
  returns_pii: true
  docs: https://docs.acornfinance.com/api-applications
- name: create_company
  description: Create a contractor/dealer company and its first admin user.
  backing_operation: POST /app_companies
  required_inputs:
  - address1
  - city
  - company_name
  - state
  - where_did_you_hear_about_us
  - zip
  optional_inputs:
  - dealer_id
  - address2
  - website_address
  - parent_company_name
  - app_company_parent_id
  - contact
  auth: basic
  side_effects: creates persistent records; no documented reversal
  consequence: high
  docs: https://docs.acornfinance.com/api-company
- name: create_company_user
  description: Create an additional user for an existing company.
  backing_operation: POST /company_users
  required_inputs:
  - app_company_id
  - email
  - email_notification
  - first_name
  - from
  - hubspot
  - kind
  - last_name
  - primary_phone
  optional_inputs:
  - dealer_id
  auth: basic
  side_effects: creates persistent records; no documented reversal
  consequence: high
  docs: https://docs.acornfinance.com/api-company-user
- name: get_lowest_payment_amount
  description: Quote the lowest monthly payment for a loan amount.
  backing_operation: POST /lowest-payment-amount
  required_inputs:
  - loan_amount
  auth: basic
  side_effects: none
  docs: https://docs.acornfinance.com/api-lowestpaymentamount
- name: get_lowest_payment_amount_link
  description: >-
    Quote a monthly payment and return a hosted loan application URL plus
    location-aware display copy for the given dealer, amount, project sub-purpose and
    location.
  backing_operation: POST /lowest-payment-amount-link
  required_inputs:
  - d
  - loanAmount
  - subPurpose
  optional_inputs:
  - country
  - state
  - city
  - zipCode
  - streetAddress
  - apartment
  - firstName
  - lastName
  - email
  - phoneNumber
  - cName
  - mndSuffix
  - returnUrl
  - utmSource
  - utmMedium
  - utmCampaign
  - utmTerm
  - utmContent
  - actionType
  - for
  - source
  auth: basic
  side_effects: none — the provider states this endpoint does not create an application
  handling_note: >-
    The returned loanAppUrl carries applicant data in its query string; Acorn instructs
    partners to treat it as sensitive and keep it out of logs and analytics. An agent
    surfacing this tool must not log the result.
  docs: https://docs.acornfinance.com/api-lowestpaymentamountlink