{"name":"SecureLend","description":"Agent-first commercial loan origination and financial intelligence platform. Public skills (no auth): loan product discovery, pre-qualification, application submission, status tracking. Private skills (Bearer token): enterprise IDP document intelligence (AWS Textract + Bedrock, SOC 2 Type 2, 3-tier OCR fallback, 40+ financial document types, fraud detection); multi-source verification (Plaid, Middesk, Experian, OFAC/AML); AI underwriting analysis (credit memo, DSCR/LTV/DTI ratios, risk scoring, industry benchmarking); pricing optimisation and loan structuring; closing automation; portfolio handoff to FIS, Jack Henry, and other servicing systems. Applicable to commercial lenders, community banks, credit unions, insurance underwriters, private equity firms, law firms, and any agent needing financial document or underwriting intelligence. Pay-per-use token pricing available — no subscription required.","url":"https://agents.securelend.ai/api/integration/a2a","version":"1.0.0","documentationUrl":"https://docs.securelend.ai/a2a","capabilities":{"streaming":true,"pushNotifications":false,"stateTransitionHistory":true},"authentication":{"schemes":["Bearer"],"credentials":"https://agents.securelend.ai/api/integration/registry/public/signup"},"defaultInputModes":["application/json"],"defaultOutputModes":["application/json"],"skills":[{"id":"product-discovery","name":"Loan Product Discovery","description":"Search and compare commercial and personal loan products across the SecureLend lender network. Accepts loan amount, purpose, borrower type, annual revenue, industry sector, and US state. Returns matched products with indicative rates, terms, LTV limits, fee structures, eligibility criteria, and lender contact details. No authentication required — suitable for borrower-facing agents, financial comparison platforms, broker tools, and real estate AI assistants.","tags":["lending","discovery","public","marketplace","loan-comparison","commercial-loan","mortgage","sba","equipment-financing","fintech","broker","real-estate"],"examples":["What commercial mortgage products are available for a $3M property purchase in Texas?","Compare SBA 7(a) loan options for a restaurant with $800K annual revenue and a 680 credit score.","Find equipment financing options for a trucking company needing $500K over 5 years.","Show me working capital loan products for a seasonal retail business with $2M revenue."],"inputModes":["text/plain","application/json"],"outputModes":["application/json"]},{"id":"pre-qualification","name":"Loan Pre-Qualification","description":"Instantly pre-qualify a borrower against available loan products using basic financial data. Evaluates credit score, income, debt-to-income ratio, loan-to-value, requested amount, and loan purpose against policy rules to return a pre-qualification decision, maximum eligible amount, indicative rate range, and list of matched products. Soft inquiry only — does not affect borrower credit score. No authentication required.","tags":["lending","pre-qualification","public","credit-check","eligibility","soft-inquiry","dti","ltv","borrower-screening"],"examples":["Pre-qualify a borrower with 720 credit score, $500K annual income, requesting $2M commercial real estate loan.","Check if a business with $1.2M revenue and 65% DTI qualifies for an SBA loan.","Quickly assess eligibility for equipment financing: $300K request, 5-year business, $800K revenue."],"inputModes":["application/json"],"outputModes":["application/json"]},{"id":"application-submission","name":"Loan Application Submission","description":"Submit a complete loan application on behalf of a borrower into the SecureLend origination pipeline. Accepts structured borrower data (personal or business), requested product details, financial statements, and document references. Returns an application ID for status tracking. Application enters automated intake, document intelligence, verification, and underwriting workflows. No authentication required — designed for borrower-facing agents and embedded lending platforms.","tags":["lending","application","public","origination","loan-application","embedded-lending","fintech-api","commercial-lending"],"examples":["Submit a commercial real estate loan application for ABC LLC seeking $5M at 65% LTV.","File a business term loan application for a manufacturing company with uploaded financial statements."],"inputModes":["application/json"],"outputModes":["application/json"]},{"id":"application-status","name":"Application Status Tracking","description":"Check the real-time status and pipeline stage of a submitted loan application. Returns current stage (intake, documentation, analysis, underwriting, decision, origination, funded), pending actions, agent activity log, and estimated next steps. No authentication required — suitable for borrower agents and CRM integrations.","tags":["lending","status","public","pipeline-tracking","application-status","loan-progress","crm-integration"],"examples":["What is the current status of loan application app-abc123?","Has underwriting completed for app-xyz789? What are the next steps?"],"inputModes":["text/plain","application/json"],"outputModes":["application/json"]},{"id":"borrower-intake","name":"Borrower Intake","description":"White-label adaptive borrower intake for authenticated lender and insurer platforms. Conducts a multi-turn AI-guided conversation to collect all required borrower information for the target loan product — business financials, personal guarantor data, collateral, purpose, business history, and ownership structure. Adapts question flow dynamically based on loan type (commercial real estate, SBA, equipment, working capital, personal). Outputs a structured application payload ready for document intelligence and underwriting. Requires lender Bearer token authentication.","tags":["lending","intake","private","lender","insurance","borrower-onboarding","adaptive-questioning","conversational-ai","loan-origination","sba","commercial"],"examples":["Run borrower intake for a self-employed applicant requesting $750K equipment financing.","Start intake for a multi-family property purchase at $4.2M — collect all required CRE fields.","Conduct intake for an insurance underwriting application for a commercial property."],"inputModes":["application/json"],"outputModes":["application/json"]},{"id":"document-intelligence","name":"Document Intelligence — Enterprise IDP","description":"Enterprise-grade Intelligent Document Processing (IDP) pipeline for financial documents. AWS-native architecture using Textract, Bedrock, and Comprehend with three-tier fallback: (1) AWS Textract for structured form extraction, (2) Claude Sonnet via Bedrock for unstructured document understanding and complex layouts, (3) OCR confidence re-scoring with human-review flagging. Capabilities: multi-class document classification (tax returns, bank statements, financial statements, pay stubs, rent rolls, appraisals, articles of incorporation, insurance certificates, leases, invoices, contracts — 40+ document types); field-level extraction with bounding box coordinates and confidence scores; cross-document reconciliation (e.g. stated income vs. bank deposits); fraud and anomaly detection (altered figures, inconsistent metadata, template mismatches, suspicious patterns). SOC 2 Type 2 certified. Data encrypted in transit (TLS 1.3) and at rest (AES-256). Documents processed within tenant-isolated AWS accounts. Requires lender Bearer token authentication.","tags":["document-intelligence","idp","intelligent-document-processing","ocr","document-extraction","document-classification","aws-textract","aws-bedrock","financial-documents","tax-return-extraction","bank-statement-analysis","fraud-detection","anomaly-detection","soc2","soc2-type2","compliance","enterprise","aws-enterprise","fintech","lending","insurance","private","lender","fallback-ocr","confidence-scoring","document-reconciliation","rent-roll","appraisal","financial-statement"],"examples":["Classify and extract all fields from a 2023 IRS Form 1120S business tax return with confidence scores.","Detect anomalies and altered figures across 12 months of business bank statements.","Reconcile stated income in a loan application against extracted bank deposit data.","Process a rent roll PDF and extract tenant names, lease terms, monthly rents, and vacancy rates.","Classify an uploaded PDF as tax return, bank statement, or financial statement and extract key fields.","Run fraud screening on uploaded documents — check for metadata inconsistencies and template alterations."],"inputModes":["application/json"],"outputModes":["application/json"]},{"id":"verification","name":"Verification Orchestration","description":"Orchestrate multi-source verification for loan and insurance underwriting. Income verification via Plaid (bank transaction analysis, payroll data, deposit pattern scoring). Employment verification via Argyle and payroll API integrations. Business verification via Middesk (state registry, good standing, beneficial ownership, lien search). Credit bureau pull via Experian/Equifax (hard or soft inquiry, FICO, tradelines, derogatory history). Fraud screening via SENTILINK and proprietary ML models. Sanctions and AML checks via OFAC, FinCEN, and PEP databases. All verification outputs structured as JSON with pass/fail/refer verdicts, source evidence, and audit trail for regulatory compliance. SOC 2 Type 2 certified. Requires lender Bearer token authentication.","tags":["verification","income-verification","employment-verification","identity-verification","fraud-detection","aml","kyb","kyc","sanctions-screening","ofac","credit-bureau","plaid","middesk","experian","equifax","sentilink","argyle","business-verification","beneficial-ownership","compliance","soc2","soc2-type2","lending","insurance","private","lender","underwriting"],"examples":["Run full income, employment, and bank verification for applicant app-xyz789.","Check for fraud indicators, OFAC sanctions, and AML flags on a new business borrower.","Verify business entity, good standing, and beneficial ownership for ABC LLC.","Pull soft credit inquiry and return FICO score with tradeline summary for pre-qualification."],"inputModes":["application/json"],"outputModes":["application/json"]},{"id":"underwriting-analysis","name":"AI Underwriting Analysis — Credit Memo & Risk Scoring","description":"AI-powered underwriting analysis for commercial lending and insurance risk assessment. Generates a structured credit memo covering: borrower financial summary (revenue, EBITDA, net income, cash flow, debt schedule); key ratios (DSCR, LTV, LTC, DTI, current ratio, quick ratio, debt-to-equity); industry benchmarking against SIC/NAICS peers; collateral analysis; guarantor assessment; regulatory compliance flags (BSA/AML, fair lending); strengths, risks, and mitigants; and a recommendation (Approve / Conditional Approve / Decline / Refer). Risk scoring returns a calibrated rating (LOW / MEDIUM / HIGH / VERY_HIGH) with factor attribution. Credit memo structured for credit committee presentation. Built on Claude Sonnet via AWS Bedrock. SOC 2 Type 2 certified. Applicable to commercial real estate, SBA, equipment, working capital, and insurance underwriting. Requires authenticated lender or insurer Bearer token.","tags":["underwriting","credit-memo","risk-scoring","risk-analysis","ai-underwriting","commercial-lending","insurance-underwriting","dscr","ltv","debt-service-coverage","financial-analysis","financial-statement-analysis","industry-benchmarking","credit-committee","sba-underwriting","cre-underwriting","collateral-analysis","fair-lending","bsa-aml","compliance","aws-bedrock","claude","soc2","soc2-type2","lending","private","lender","insurer","due-diligence","private-equity"],"examples":["Generate a full credit memo for CRE loan application app-abc123 — include DSCR, LTV, and risk rating.","Produce an underwriting analysis for a $3M SBA 7(a) loan to a food & beverage business.","Score the credit risk for application app-xyz789 and provide factor-level attribution.","Run insurance underwriting analysis for a commercial property portfolio with uploaded financials.","Compare risk profiles for two competing acquisition loan applications side by side."],"inputModes":["application/json"],"outputModes":["application/json"]},{"id":"pricing-structuring","name":"Pricing Optimisation and Loan Structuring","description":"AI-driven pricing and loan structuring for commercial lending. Matches application to eligible products based on risk rating, collateral, and borrower profile. Optimises interest rate (floor, ceiling, risk-adjusted spread), term, amortisation schedule, balloon payment, prepayment penalty, and fee structure within policy guardrails. Flags pricing exceptions requiring senior credit officer approval. Structures collateral (first lien, cross-collateralisation, personal guarantee, SBA guarantee). Outputs a term sheet and comparison table. Requires lender Bearer token authentication.","tags":["pricing","loan-structuring","term-sheet","interest-rate","risk-adjusted-pricing","collateral-structuring","amortisation","sba-pricing","cre-pricing","lending","private","lender","credit-officer","fintech"],"examples":["Price a $2M SBA 7(a) loan for a MEDIUM risk borrower — include rate, term, and fee options.","Structure collateral for a $5M CRE loan: first lien on property plus personal guarantee.","Generate a term sheet for app-abc123 that stays within policy rate floors."],"inputModes":["application/json"],"outputModes":["application/json"]},{"id":"closing","name":"Loan Closing Automation","description":"Automate loan closing document assembly, condition precedent verification, and funding preparation. Generates loan agreement, promissory note, deed of trust/mortgage, guaranty, and closing disclosure using DocuSign or PDF generation. Verifies all conditions precedent are cleared before funding. Coordinates funding authority sign-off via the SecureLend Lender MCP Portal. Triggers servicing system onboarding on authorisation. Requires lender Bearer token authentication.","tags":["closing","loan-closing","document-assembly","docusign","conditions-precedent","funding","servicing","lending","private","lender"],"examples":["Prepare the full closing package for approved loan application app-abc123.","Verify all conditions are cleared for app-xyz789 and initiate funding preparation."],"inputModes":["application/json"],"outputModes":["application/json"]},{"id":"portfolio-handoff","name":"Portfolio Handoff and Servicing System Integration","description":"Transfer funded loans to core banking and loan servicing platforms. Supports FIS (Horizon, Modern Banking Platform), Jack Henry (Silverlake, Symitar), Nortridge Loan Manager, and generic REST/file-based integrations. Maps SecureLend loan data to target system field schemas, validates transfer integrity, and confirms onboarding. Emits a structured handoff receipt for audit trail. Requires lender Bearer token authentication.","tags":["portfolio-handoff","loan-servicing","core-banking","fis","jack-henry","silverlake","symitar","nortridge","servicing-integration","funded-loans","lending","private","lender","enterprise"],"examples":["Transfer funded loan app-abc123 to Jack Henry Silverlake servicing system.","Onboard a batch of funded CRE loans to FIS Horizon with full field mapping."],"inputModes":["application/json"],"outputModes":["application/json"]}]}