{
  "schema_version": "1.0",
  "name": "personal-loan-finder",
  "display_name": "Personal Loan Assistant",
  "description": "Compare personal loan rates and soft-check pre-qualification across top US lenders — SoFi, LightStream, Marcus by Goldman Sachs, and Discover. No hard credit pull required.",
  "audience": "US residents seeking personal loans for debt consolidation, home improvement, medical expenses, or other purposes.",
  "install_hint": "Add this tool to let your AI assistant compare loan rates and check pre-qualification across top US lenders — no impact to your credit score.",
  "capabilities": ["prequalification", "rate-comparison", "loan-matching"],
  "servers": [
    {
      "name": "personal-loan-finder",
      "transport": "streamable-http",
      "url": "https://<your-domain>/mcp",
      "description": "Personal loan pre-qualification and rate comparison. Lenders: SoFi, LightStream, Marcus by Goldman Sachs, Discover."
    }
  ],
  "tools": [
    {
      "name": "check_prequalification",
      "description": "Soft-check whether a user is likely to pre-qualify for a personal loan, without a hard credit pull. Returns a list of matching lenders with estimated APR range, estimated monthly payment, and likelihood of approval based on credit tier. Covers SoFi, LightStream, Marcus, and Discover.",
      "parameters": {
        "loan_amount": "integer — desired loan amount in USD (e.g. 10000)",
        "loan_purpose": "string — e.g. debt_consolidation, home_improvement, medical, major_purchase, other",
        "credit_tier": "string — excellent (750+), good (700-749), fair (650-699), poor (<650)"
      },
      "returns": "Array of lender matches, each with: lender_name, estimated_apr_min, estimated_apr_max, estimated_monthly_payment, approval_likelihood (high/medium/low), and lender_url."
    },
    {
      "name": "compare_rates",
      "description": "Return a ranked comparison of current personal loan rates across all supported lenders for a given borrower profile. Results are sorted by estimated APR from lowest to highest. Useful when a user wants to see all options before choosing.",
      "parameters": {
        "loan_amount": "integer — loan amount in USD",
        "term_months": "integer — desired repayment term in months (e.g. 36, 48, 60)",
        "credit_tier": "string — excellent, good, fair, or poor"
      },
      "returns": "Ranked array of lenders with: lender_name, apr_range, estimated_monthly_payment, origination_fee, funding_speed_days, and lender_url."
    },
    {
      "name": "get_lender_details",
      "description": "Return full details for a specific lender including current APR range, minimum and maximum loan amounts, available repayment terms, fee structure, minimum credit score requirement, and estimated funding speed.",
      "parameters": {
        "lender_id": "string — one of: sofi, lightstream, marcus, discover"
      },
      "returns": "Object with: lender_name, apr_min, apr_max, loan_amount_min, loan_amount_max, term_months_min, term_months_max, origination_fee, late_fee, prepayment_penalty, min_credit_score, funding_speed_days, autopay_discount, lender_url."
    }
  ]
}