generated: '2026-07-18'
method: derived
status: candidate
source: openapi/defacto-openapi-original.json
note: 'Defacto publishes no official MCP server as of this pass. This is a candidate tool list derived
  one-tool-per-operation from the reconstructed OpenAPI so an MCP server can be generated. Auth: HTTP
  Bearer (API key); base https://api.getdefacto.com (sandbox https://api-sandbox.getdefacto.com).'
server:
  name: defacto
  transport: http
  auth: bearer
tools:
- name: delete_invoice-invoice-id
  description: DELETE /invoice/{invoice_id} — Delete an invoice by id
  source_operation: openapi/defacto-openapi-original.json#delete_invoice-invoice-id
- name: get_invoice-invoice-id
  description: GET /invoice/{invoice_id} — Get an invoice by id
  source_operation: openapi/defacto-openapi-original.json#get_invoice-invoice-id
- name: patch_invoice-invoice-id
  description: PATCH /invoice/{invoice_id} — Updates an invoice (with status TO_SUBMIT or TO_EDIT only)
  source_operation: openapi/defacto-openapi-original.json#patch_invoice-invoice-id
- name: delete_webhook-webhook-id
  description: DELETE /webhook/{webhook_id} — Delete a webhook subscription.
  source_operation: openapi/defacto-openapi-original.json#delete_webhook-webhook-id
- name: patch_webhook-webhook-id
  description: PATCH /webhook/{webhook_id} —  Update a webhook subscription.  ⚠️ Our webhooks always call
    the POST method of the given url.  For more information on webhooks such as how to secure them, you
  source_operation: openapi/defacto-openapi-original.json#patch_webhook-webhook-id
- name: get_bills
  description: 'GET /bills — List your fees invoices (i.e: your Defacto bill) for the loans you performed
    on the platform.<br/>By default, this endpoint only returns your own bills, but you'
  source_operation: openapi/defacto-openapi-original.json#get_bills
- name: get_borrower-borrower-id-financial-products
  description: 'GET /borrower/{borrower_id}/financial-products —  ## List the financial products available
    to the borrower.  Financial products are the product against which a borrower can submit loan requests.
    Each come with'
  source_operation: openapi/defacto-openapi-original.json#get_borrower-borrower-id-financial-products
- name: get_borrower-borrower-id-repayment-methods
  description: GET /borrower/{borrower_id}/repayment-methods —  <div> <h3>List available repayment methods
    for borrower.</h3> </div>
  source_operation: openapi/defacto-openapi-original.json#get_borrower-borrower-id-repayment-methods
- name: post_borrower-borrower-id-repayment-methods
  description: POST /borrower/{borrower_id}/repayment-methods —  <div> <h3>Add and/or choose the repayment
    method for borrower.</h3>  <p>If payment method is "DIRECT_DEBIT" then the `account` parameter must
    not be null.</p>
  source_operation: openapi/defacto-openapi-original.json#post_borrower-borrower-id-repayment-methods
- name: get_borrower-borrower-id
  description: GET /borrower/{borrower_id} — Retrieve the full profile of a borrower by ID. Returns the
    borrower's status, business information, accounts, compliance checks, and next actions required.
  source_operation: openapi/defacto-openapi-original.json#get_borrower-borrower-id
- name: get_borrowers
  description: GET /borrowers — List all borrowers enrolled on Defacto for your account. Borrowers are
    companies that have been registered and can request loans through the Defacto platform. R
  source_operation: openapi/defacto-openapi-original.json#get_borrowers
- name: post_borrowers
  description: POST /borrowers —  <div> <h3>Enroll a new borrower on Defacto.</h3> <p> This API will create
    a borrower and a credit line for this borrower. More information in the <b>behavior</
  source_operation: openapi/defacto-openapi-original.json#post_borrowers
- name: get_business-business-id-segment
  description: GET /business/{business_id}/segment
  source_operation: openapi/defacto-openapi-original.json#get_business-business-id-segment
- name: get_business-data-request-data-type-data-type
  description: GET /business/data-request/data-type/{data_type} — Get translations for a given data request
    data type.
  source_operation: openapi/defacto-openapi-original.json#get_business-data-request-data-type-data-type
- name: get_business-public-data
  description: GET /business/public-data — Search for borrower business information from various sources.
    This endpoint lets you find the right business identifier to use when onboarding a borrower or co
  source_operation: openapi/defacto-openapi-original.json#get_business-public-data
- name: get_cards-card-id-entries-export
  description: GET /cards/{card_id}/entries/export — Export card transactions as a Pennylane-compatible
    CSV. Provide either period (YYYY-MM) or from_date + to_date.
  source_operation: openapi/defacto-openapi-original.json#get_cards-card-id-entries-export
- name: get_cards-card-id-entries
  description: GET /cards/{card_id}/entries — List entries for a credit card.
  source_operation: openapi/defacto-openapi-original.json#get_cards-card-id-entries
- name: get_cards-card-id
  description: GET /cards/{card_id} — Retrieve a credit card by its ID.
  source_operation: openapi/defacto-openapi-original.json#get_cards-card-id
- name: get_cards
  description: GET /cards — List credit cards for the authenticated borrower.
  source_operation: openapi/defacto-openapi-original.json#get_cards
- name: get_counterparties
  description: GET /counterparties — List all the Counterparties. A Counterparty describes any commercial
    relations with a company. Counterparties are automatically created from the invoices.
  source_operation: openapi/defacto-openapi-original.json#get_counterparties
- name: post_counterparties
  description: POST /counterparties — Create a new counterparty. A Counterparty describes any commercial
    relations with a company. Counterparties are automatically created from the invoices.
  source_operation: openapi/defacto-openapi-original.json#post_counterparties
- name: get_counterparty-counterparty-id
  description: GET /counterparty/{counterparty_id} — Get a counterparty by id. A Counterparty describes
    any commercial relations with a company. Counterparties are automatically created from the invoices.
  source_operation: openapi/defacto-openapi-original.json#get_counterparty-counterparty-id
- name: get_credit-line-credit-line-id
  description: GET /credit_line/{credit_line_id} — [DEPRECATED] Get credit line by id.<br/> Now use financial-product
    endpoint
  source_operation: openapi/defacto-openapi-original.json#get_credit-line-credit-line-id
- name: get_credit-line
  description: GET /credit_line — [DEPRECATED] Get the credit line associated with your account.<br/>Your
    partner max-exposure is no longer available by API
  source_operation: openapi/defacto-openapi-original.json#get_credit-line
- name: get_credit-lines
  description: GET /credit_lines — List all the credit lines that have been opened for your company.<br/>By
    default, this includes all credit lines that have been created for borrowers you regist
  source_operation: openapi/defacto-openapi-original.json#get_credit-lines
- name: get_eligibility-reasons
  description: GET /eligibility/reasons — List all the possible reasons for which a borrower would not
    be eligible for a loan.
  source_operation: openapi/defacto-openapi-original.json#get_eligibility-reasons
- name: get_events
  description: GET /events — Search for business events. These events will let you read business events
    to build you logic on top of it.
  source_operation: openapi/defacto-openapi-original.json#get_events
- name: get_hello
  description: GET /hello — Make a first call to this endpoint to test your connection to Defacto API
    with your API Key
  source_operation: openapi/defacto-openapi-original.json#get_hello
- name: get_installment-plan-installment-plan-id
  description: 'GET /installment-plan/{installment_plan_id} — ## Keep track of the progress of an installment
    plan When the borrower is late to repay his loans or bills, he probably agreed to an installment plan.
    This endp'
  source_operation: openapi/defacto-openapi-original.json#get_installment-plan-installment-plan-id
- name: get_installments
  description: GET /installments — List installements. Filter by loan or various dates to find what you're
    looking for.
  source_operation: openapi/defacto-openapi-original.json#get_installments
- name: get_invoices
  description: GET /invoices — Get your invoices
  source_operation: openapi/defacto-openapi-original.json#get_invoices
- name: post_invoices
  description: POST /invoices —  Create an invoice. - If you create an invoice that will need to be edited
    afterwards, create a draft invoice with the <code>is_draft</code> parameter. Otherwis
  source_operation: openapi/defacto-openapi-original.json#post_invoices
- name: get_loan-loan-id-events
  description: GET /loan/{loan_id}/events — Get the activity eligibility_request of a loan.
  source_operation: openapi/defacto-openapi-original.json#get_loan-loan-id-events
- name: get_loan-loan-id
  description: GET /loan/{loan_id} — Retrieve a loan by its ID. Returns the full loan details including
    status, amounts, repayment schedule, borrower information, and related documents.
  source_operation: openapi/defacto-openapi-original.json#get_loan-loan-id
- name: patch_loan-loan-id
  description: PATCH /loan/{loan_id} —  Updates a loan. - When the loan is SUBMITTED or TO_VALIDATE, all
    the below fields can be updated. - When the loan is VALIDATED or SCHEDULED, the references and
  source_operation: openapi/defacto-openapi-original.json#patch_loan-loan-id
- name: get_loans
  description: GET /loans — List loans with pagination. Returns a paginated list of loans filterable by
    borrower, status, dates, and loan type.
  source_operation: openapi/defacto-openapi-original.json#get_loans
- name: post_loans
  description: 'POST /loans —  ## Request a new loan.  If you haven''t visited the guide: [how to make
    your first loan?](https://developers.getdefacto.com/reference/make-your-first-loan) we r'
  source_operation: openapi/defacto-openapi-original.json#post_loans
- name: get_onboarding-onboarding-id
  description: 'GET /onboarding/{onboarding_id} —  ## [Partners] Follow the onboarding of a business  If
    you haven''t visited the guide: [how to make your first loan?](https://developers.getdefacto.com/reference'
  source_operation: openapi/defacto-openapi-original.json#get_onboarding-onboarding-id
- name: get_payments
  description: GET /payments — Get payments related to loans
  source_operation: openapi/defacto-openapi-original.json#get_payments
- name: get_recollection-case-recollection-case-id
  description: GET /recollection-case/{recollection_case_id} — Get details of a recollection case.
  source_operation: openapi/defacto-openapi-original.json#get_recollection-case-recollection-case-id
- name: put_recollection-case-recollection-case-id
  description: PUT /recollection-case/{recollection_case_id} — Add notes to a recollection case to follow
    up on recollection process.
  source_operation: openapi/defacto-openapi-original.json#put_recollection-case-recollection-case-id
- name: get_recollection-cases
  description: GET /recollection-cases — Get recollection cases. You can filter results using debtor business
    identifier.
  source_operation: openapi/defacto-openapi-original.json#get_recollection-cases
- name: post_recollection-cases
  description: 'POST /recollection-cases — ## Open a recollection case When the borrower is late to repay
    his loans or bills, you must open a recollection case to start taking actions to recover the debt'
  source_operation: openapi/defacto-openapi-original.json#post_recollection-cases
- name: get_referrer-referrer-id
  description: GET /referrer/{referrer_id} — Get referrer details by ID
  source_operation: openapi/defacto-openapi-original.json#get_referrer-referrer-id
- name: get_sandbox-business-generator
  description: GET /sandbox/business-generator —  Generate a fake business for you to use in your test.
    Important, this endpoint does not create the business but simply return the payload. Call `/borrowers`
    to
  source_operation: openapi/defacto-openapi-original.json#get_sandbox-business-generator
- name: get_sandbox-iban-generator
  description: GET /sandbox/iban-generator —  Generate a new IBAN that will produce a given scenario on
    the sandbox, for example a rejected loan. Each IBAN can be used as the account of a single counterpar
  source_operation: openapi/defacto-openapi-original.json#get_sandbox-iban-generator
- name: get_translation-denial-code-code
  description: GET /translation/denial-code/{code}
  source_operation: openapi/defacto-openapi-original.json#get_translation-denial-code-code
- name: get_webhooks
  description: GET /webhooks —  List your webhook subscription.  ⚠️ Our webhooks always call the POST
    method of the given url.  For more information on webhooks such as how to secure them, yo
  source_operation: openapi/defacto-openapi-original.json#get_webhooks
- name: post_webhooks
  description: POST /webhooks —  Create a webhook subscription.  ⚠️ Our webhooks always call the POST
    method of the given url.  For more information on webhooks such as how to secure them, you
  source_operation: openapi/defacto-openapi-original.json#post_webhooks
- name: patch_cards-card-id-status
  description: 'PATCH /cards/{card_id}/status — Update card status. Accepted values: ''active'', ''inactive'',
    ''canceled''.'
  source_operation: openapi/defacto-openapi-original.json#patch_cards-card-id-status
- name: post_bill-bill-id-sent
  description: POST /bill/{bill_id}/sent —  This endpoint enables you to notify Defacto when you sent
    the bill for the fees of the loans to your user. A bill should be sent to the user only when its stat
  source_operation: openapi/defacto-openapi-original.json#post_bill-bill-id-sent
- name: post_borrower-borrower-id-deactivate
  description: POST /borrower/{borrower_id}/deactivate
  source_operation: openapi/defacto-openapi-original.json#post_borrower-borrower-id-deactivate
- name: post_borrower-borrower-id-owner
  description: POST /borrower/{borrower_id}/owner — Create a borrower owner with identity documents
  source_operation: openapi/defacto-openapi-original.json#post_borrower-borrower-id-owner
- name: post_borrower-borrower-id-sign
  description: POST /borrower/{borrower_id}/sign — Register the date a new borrower accepted our T&Cs
  source_operation: openapi/defacto-openapi-original.json#post_borrower-borrower-id-sign
- name: post_business-data-account-transactions
  description: POST /business/data/account-transactions —  Upload bank account transactions into our platform
    to refine borrower credit line allowance.  This endpoint doesn't support updates on data already uploaded.
  source_operation: openapi/defacto-openapi-original.json#post_business-data-account-transactions
- name: post_business-data-accounts
  description: POST /business/data/accounts —  Upload bank account balances into our platform to refine
    borrower credit line allowance.  This endpoint doesn't support updates on data already uploaded.  The
  source_operation: openapi/defacto-openapi-original.json#post_business-data-accounts
- name: post_business-data-batch-upload-batch-id-close
  description: POST /business/data/batch-upload/{batch_id}/close —  Close a batch of upload started with
    POST /business/data/batch-upload.  This operation is a required one. Otherwise no data of the batch
    will be used.
  source_operation: openapi/defacto-openapi-original.json#post_business-data-batch-upload-batch-id-close
- name: post_business-data-batch-upload
  description: POST /business/data/batch-upload —  Create a batch to upload data about a particular business.  This
    endpoint returns an <code>id</code> that should be put into all /business/data/XXX endpoints.
  source_operation: openapi/defacto-openapi-original.json#post_business-data-batch-upload
- name: post_business-data-invoices
  description: POST /business/data/invoices —  Upload business invoices into our platform to refine borrower
    credit line allowance.  This endpoint doesn't support updates on data already uploaded.
  source_operation: openapi/defacto-openapi-original.json#post_business-data-invoices
- name: post_cards-card-id-ephemeral-key
  description: POST /cards/{card_id}/ephemeral-key — Create an ephemeral key to reveal the card's PAN
    and CVV via the card display SDK.
  source_operation: openapi/defacto-openapi-original.json#post_cards-card-id-ephemeral-key
- name: post_eligibility-beneficiary
  description: POST /eligibility/beneficiary —  <div> <h3>Ask if the business can receive the money originated
    from a loan on one of its bank accounts.</h3>  <p>It should be interpreted the following way:</p
  source_operation: openapi/defacto-openapi-original.json#post_eligibility-beneficiary
- name: post_eligibility-borrower
  description: POST /eligibility/borrower —  <div> <h3>Ask for the pre-eligibility of a borrower.</h3>  <p>It
    should be interpreted the following way:</p> <ul> <li>when <code>is_eligible</code> is <code>f
  source_operation: openapi/defacto-openapi-original.json#post_eligibility-borrower
- name: post_installment-plans-1
  description: 'POST /installment-plans —  ## Create an installment plan  When you send this API request,
    our system will create an installment-plan that replaces any scheduled payments you may have on'
  source_operation: openapi/defacto-openapi-original.json#post_installment-plans-1
- name: post_invoice-invoice-id-submit
  description: POST /invoice/{invoice_id}/submit —  Submit an invoice for validation by Defacto (with
    status TO_SUBMIT or TO_EDIT). If some data is missing prior to validating the invoice, a 422 error
    will be re
  source_operation: openapi/defacto-openapi-original.json#post_invoice-invoice-id-submit
- name: post_invoices-upload
  description: POST /invoices/upload — Create an invoice entity from the PDF of an invoice. Send the file
    within a formData. The endpoint will automatically extract the invoice information and create
  source_operation: openapi/defacto-openapi-original.json#post_invoices-upload
- name: post_loan-documents-document-type
  description: POST /loan/documents/{document_type} — Generates a link to an archive of loan documents
  source_operation: openapi/defacto-openapi-original.json#post_loan-documents-document-type
- name: post_loan-loan-id-cancel
  description: POST /loan/{loan_id}/cancel — Use this function to cancel a loan proposal. Available for
    TO_VALIDATE,VALIDATED and SCHEDULED loans.
  source_operation: openapi/defacto-openapi-original.json#post_loan-loan-id-cancel
- name: post_loan-loan-id-validate
  description: POST /loan/{loan_id}/validate — Use this function to accept a loan proposal. Available
    for TO_VALIDATE loans only.
  source_operation: openapi/defacto-openapi-original.json#post_loan-loan-id-validate
- name: post_onboardings
  description: 'POST /onboardings —  ## [Partners] Start onboarding a new business  If you haven''t visited
    the guide: [how to make your first loan?](https://developers.getdefacto.com/reference/mak'
  source_operation: openapi/defacto-openapi-original.json#post_onboardings
- name: post_recollection-case-recollection-case-id-installment-plans-compute
  description: 'POST /recollection-case/{recollection_case_id}/installment-plans/compute — ## Simulate
    an installment plan  Before creating an installment plan you might need to expose installment amounts
    & dates to your debtor so that you can find th'
  source_operation: openapi/defacto-openapi-original.json#post_recollection-case-recollection-case-id-installment-plans-compute
- name: post_recollection-case-recollection-case-id-installment-plans
  description: 'POST /recollection-case/{recollection_case_id}/installment-plans —  ## Allow repaying
    in multiple times This endpoint is dedicated to the creation of an installment plan as part of recollection
    strategy. You''ll need a recollect'
  source_operation: openapi/defacto-openapi-original.json#post_recollection-case-recollection-case-id-installment-plans
- name: post_referrer-referrer-id-upload-invoice-revenue-share-id
  description: POST /referrer/{referrer_id}/upload-invoice/{revenue_share_id} — Upload revenue share invoice
    for a referrer and update the related revenue share
  source_operation: openapi/defacto-openapi-original.json#post_referrer-referrer-id-upload-invoice-revenue-share-id
- name: post_repay-now
  description: POST /repay/now
  source_operation: openapi/defacto-openapi-original.json#post_repay-now
- name: post_sandbox-business-eligible
  description: POST /sandbox/business-eligible —  This endpoint enables you to configure the eligibility
    of a business. Pass NOT_ELIGIBLE to make a business non-eligible. Then, you'll be able to test how
    the D
  source_operation: openapi/defacto-openapi-original.json#post_sandbox-business-eligible
- name: post_sandbox-invoice-generator
  description: POST /sandbox/invoice-generator —  !!! The documentation website is not able to display
    the full response of this endpoint. The use of the curl command is recommended. !!!  Generate a fake
    invoi
  source_operation: openapi/defacto-openapi-original.json#post_sandbox-invoice-generator
- name: post_subscription-subscription-id-activate
  description: POST /subscription/{subscription_id}/activate — Activate a subscription.
  source_operation: openapi/defacto-openapi-original.json#post_subscription-subscription-id-activate
- name: put_loan-repayment-terms
  description: PUT /loan/repayment-terms —  <div> <h3>Change repayment terms of some loans</h3> <p>Changing
    the payment method and / or date is only possible on loans that are TO_REPAY or  TO_REPAY_FEES.
  source_operation: openapi/defacto-openapi-original.json#put_loan-repayment-terms
deployment:
  mode: none
  verified: derived
  tools: 77
  checked: '2026-08-12'
  source: catalog MCP census