IncredibleFi MCP

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "properties": {}
}

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "loanAmount",
    "loanPurpose",
    "monthlyIncome",
    "totalDebt",
    "creditScore",
    "employmentStatus",
    "paymentFrequency",
    "streetAddress",
    "city",
    "state",
    "zipCode",
    "homeOwnership",
    "hasCheckingAccount",
    "directDeposit",
    "firstName",
    "lastName",
    "dateOfBirth",
    "email",
    "phone",
    "socialSecurityNumber",
    "tcpaConsent"
  ],
  "properties": {
    "city": {
      "type": "string",
      "description": "City City of your current mailing address."
    },
    "email": {
      "type": "string",
      "description": "Email address Your email address. Kept private and secure — used to send your loan offer results."
    },
    "phone": {
      "type": "string",
      "description": "Phone number 10-digit US mobile or home phone number. Cannot start with 0 or 1."
    },
    "state": {
      "type": "string",
      "description": "State Two-letter US state abbreviation (e.g. CA, TX, NY, FL)."
    },
    "zipCode": {
      "type": "string",
      "description": "ZIP code 5-digit US ZIP code for your mailing address."
    },
    "lastName": {
      "type": "string",
      "description": "Last name Legal last name — required to verify your identity. 2-30 letters only."
    },
    "firstName": {
      "type": "string",
      "description": "First name Legal first name — required to verify your identity. 2-30 letters only."
    },
    "totalDebt": {
      "type": "string",
      "description": "Total outstanding unsecured debt (credit cards, personal loans, medical bills, etc.) — not including mortgage or auto loans. An estimate is fine. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: $20,000 or More, $15,000 - $20,000, $10,000 - $15,000, $5,000 - $10,000, $3,000 - $5,000, $2,000 - $3,000, $1,000 - $2,000, None"
    },
    "loanAmount": {
      "type": "number",
      "maximum": 40000,
      "minimum": 100,
      "description": "Amount in US dollars between $100 and $40,000. We'll find the best options for you based on this amount. Minimum: $100 Maximum: $40000"
    },
    "creditScore": {
      "type": "string",
      "description": "All credit scores are welcome — including no credit history. This helps us connect you with the right lenders. Checking does not impact your score. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: Excellent (720+), Good (660-719), Fair (600-659), Poor (Under 600), No credit or not sure"
    },
    "dateOfBirth": {
      "type": "string",
      "description": "Date of birth Format: YYYY-MM-DD. Must be 18 or older. Required to verify your identity."
    },
    "loanPurpose": {
      "type": "string",
      "description": "Choose the option that best describes the primary reason for the loan. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: Bills, Purchases, Loan Repayment, Rent or Mortgage, Emergency Expenses, Debt Consolidation, Other, Home Improvement, Education, Travel, Medical Expense, Car Purchase, Business"
    },
    "tcpaConsent": {
      "type": "boolean",
      "description": "Set to true ONLY after you have displayed the full TCPA/consent disclosure to the user verbatim and the user has explicitly agreed (e.g. said \"I agree\" or \"I consent\"). Never set this to true without explicit user agreement."
    },
    "directDeposit": {
      "type": "string",
      "description": "Whether your income is automatically deposited into your bank account by your employer or benefits provider. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: Yes, No"
    },
    "homeOwnership": {
      "type": "string",
      "description": "Your current housing situation. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: Own, Rent"
    },
    "monthlyIncome": {
      "type": "string",
      "description": "Your take-home pay after taxes, per month. An estimate is fine — this helps connect you with lenders who fit your income level. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: $10,000 or More, $9,000 - $10,000, $8,000 - $9,000, $7,000 - $8,000, $6,000 - $7,000, $5,000 - $6,000, $4,000 - $5,000, $3,000 - $4,000, $2,500 - $3,000, $2,000 - $2,500, $1,500 - $2,000, Below $1,500"
    },
    "streetAddress": {
      "type": "string",
      "description": "Street address Your current US mailing address — for verification only. Example: 123 Main St"
    },
    "employmentStatus": {
      "type": "string",
      "description": "Choose what best applies. All employment types are accepted including benefits recipients and military. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: Employed, Self-employed, Unemployed, Active-duty military"
    },
    "paymentFrequency": {
      "type": "string",
      "description": "Your pay schedule — how often income is deposited into your account. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: Monthly, Twice a month, Bi-weekly, Weekly"
    },
    "hasCheckingAccount": {
      "type": "string",
      "description": "A checking account is typically required for loan deposit. Savings accounts do not qualify. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: Yes, No"
    },
    "socialSecurityNumber": {
      "type": "string",
      "description": "Social Security Number 9-digit SSN with no dashes (e.g. 123456789). For identity verification only — does not impact your credit score. Transmitted with bank-level encryption."
    }
  }
}

{
  "type": "object",
  "$schema": "http://json-schema.org/draft-07/schema#",
  "required": [
    "application_reference",
    "employerName",
    "employerPhone",
    "nextPayDate",
    "routingNumber",
    "accountNumber",
    "ownsVehicle",
    "hasDriverLicense"
  ],
  "properties": {
    "nextPayDate": {
      "type": "string",
      "description": "Your next pay date Format: YYYY-MM-DD. The date your next paycheck will be deposited. Must be today or within the next 31 days."
    },
    "ownsVehicle": {
      "type": "string",
      "description": "Whether you own a car, truck, or other vehicle — and whether it is paid off or financed. Natural language and synonyms are accepted. Options: Yes - paid off, Yes - making payments, No"
    },
    "employerName": {
      "type": "string",
      "description": "Employer name Name of your current employer or business. For verification only — your employer will not be contacted."
    },
    "licenseState": {
      "type": "string",
      "description": "State that issued your driver's license Two-letter state abbreviation (e.g. CA, TX). Required if you have a driver's license."
    },
    "accountNumber": {
      "type": "string",
      "description": "Bank account number Your checking account number — found on a check or in your banking app. 4-25 digits. Used to deposit funds if approved."
    },
    "employerPhone": {
      "type": "string",
      "description": "Employer phone number 10-digit phone number for your employer. For verification only — your employer will not be contacted."
    },
    "licenseNumber": {
      "type": "string",
      "description": "Driver's license number 4-25 alphanumeric characters as printed on your license. Required if you have a driver's license."
    },
    "routingNumber": {
      "type": "string",
      "description": "Bank routing number 9-digit ABA routing number for your checking account — found at the bottom left of a check or in your banking app. Used to deposit funds if approved."
    },
    "hasDriverLicense": {
      "type": "string",
      "description": "Final identity check — one last step to see your offers. Natural language and synonyms are accepted. Options: Yes, No"
    },
    "application_reference": {
      "type": "string",
      "description": "Reference token from the previous submit_loan_application response"
    }
  }
}

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