Acorn Finance

Acorn Finance, operated by Headway Sales Inc. (NMLS ID# 1817022) of Sacramento, California, runs an embedded lending marketplace for home improvement and business financing. Consumers pre-qualify for personal loans of $1,000 to $100,000 through a soft credit pull and compare offers from a network of lending partners, while contractors, dealers and point-of-sale software vendors embed those offers into estimates, invoices, quotes, carts and PDFs. Acorn Finance publishes a public partner developer program at docs.acornfinance.com covering a Basic-authenticated REST API on api.acornfinance.com (company and user provisioning, loan application retrieval, API key rotation and lowest-payment-amount quoting), a partner postback webhook, and a family of embeddable JavaScript widgets served from widgets-cdn.acornfinance.com.

Acorn Finance is listed with 1 API on the APIs.io network. Tagged areas include Company, Financial Services, Lending, Loans, and Home Improvement.

The Acorn Finance catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Acorn Finance’s developer surface includes documentation, API reference, getting-started guide, signup flow, support, engineering blog, pricing, and 23 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

38.5/100 thin ▬ flat Agent 25/100 agent aware Front door AI 1/6 silent Heartbeat 0/100 dormant Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreeSelf serve⚡ Free to try

1 API

Company Financial Services Lending Loans Home Improvement Embedded Finance Point-of-Sale Consumer Finance Fintech Webhook

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 38.5/100 · thin

Contract Quality 8.3 / 21

Developer Ergonomics 4.5 / 17

Access Clarity 11.4 / 17

Operational Transparency 1.2 / 11

Contract Governance 0.0 / 10

Discoverability 5.6 / 9

Regulatory Posture 4.4 / 15

Agent readiness — 25/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 39.0 — up to +15.3 composite points
Developer Ergonomics scores 26.2 — up to +14.8 composite points
Contract Governance scores 0.0 — up to +12.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/acorn-finance/apis.yml: open an issue on github.com/api-evangelist/acorn-finance to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Franchise Registries (registered franchisors, IFA, POS franchise partners)	undeclared	-	-	-
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Acorn Finance Partner API

The Acorn Finance partner REST API. Basic-authenticated JSON endpoints on api.acornfinance.com let point-of-sale and contractor-software partners create companies and company us...

Acorn Finance API pricing

Prices published by Acorn Finance. A free plan or tier is listed.

Plan	Price
Contractor / Partner	Free

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Acorn Finance Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Acorn Finance Rate Limits

0 limits

RATE LIMITS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Acorn Finance Postback Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Acorn Finance Authentication

1 scheme

SECURITY

Acorn Finance Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

X-MCPServerCandidate

X-MCPServerCandidate

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

Lifecycle

Conformance

Webhooks

Components

DataModel

Scroll for all 7

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Compliance

Compliance

Operate 3

Status, limits, changes, and where to get help

Support

Support

HelpCenter

HelpCenter

RateLimits

RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: acorn-finance
name: Acorn Finance
description: Acorn Finance, operated by Headway Sales Inc. (NMLS ID# 1817022) of Sacramento, California, runs an embedded
  lending marketplace for home improvement and business financing. Consumers pre-qualify for personal loans of $1,000 to $100,000
  through a soft credit pull and compare offers from a network of lending partners, while contractors, dealers and point-of-sale
  software vendors embed those offers into estimates, invoices, quotes, carts and PDFs. Acorn Finance publishes a public partner
  developer program at docs.acornfinance.com covering a Basic-authenticated REST API on api.acornfinance.com (company and
  user provisioning, loan application retrieval, API key rotation and lowest-payment-amount quoting), a partner postback webhook,
  and a family of embeddable JavaScript widgets served from widgets-cdn.acornfinance.com.
url: https://raw.githubusercontent.com/api-evangelist/acorn-finance/refs/heads/main/apis.yml
accessModel:
  pricing: free
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Free · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://www.acornfinance.com/wp-content/uploads/2022/02/acorn-finance-logo-compressed.svg
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
x-enrichment:
  date: '2026-09-06'
  status: enriched
  artifacts_added: 16
  pass: local-v3
created: '2026-09-06'
modified: '2026-09-06'
tags:
- Company
- Financial Services
- Lending
- Loans
- Home Improvement
- Embedded Finance
- Point-of-Sale
- Consumer Finance
- Fintech
- Webhook
tags_raw:
- Company
- Financial Services
- Lending
- Loans
- Home Improvement
- Embedded Finance
- Point of Sale
- Consumer Finance
- Fintech
- Webhooks
- Financial-Services
apis:
- aid: acorn-finance:acorn-finance-partner-api
  name: Acorn Finance Partner API
  description: The Acorn Finance partner REST API. Basic-authenticated JSON endpoints on api.acornfinance.com let point-of-sale
    and contractor-software partners create companies and company users, retrieve loan application status, rotate API credentials,
    and request the lowest monthly payment amount (and a hosted loan application URL) for a given loan amount, project sub-purpose
    and location. A UAT environment is published at uat.api.acornfinance.com.
  humanURL: https://docs.acornfinance.com/overview
  baseURL: https://api.acornfinance.com
  image: https://www.acornfinance.com/wp-content/uploads/2022/02/acorn-finance-logo-compressed.svg
  tags:
  - Lending
  - Loans
  - Application
  - Embedded Finance
  - Point-of-Sale
  tags_raw:
  - Lending
  - Loans
  - Applications
  - Embedded Finance
  - Point of Sale
  properties:
  - type: Documentation
    url: https://docs.acornfinance.com/overview
  - type: APIReference
    url: https://docs.acornfinance.com/api-applications
  - type: GettingStarted
    url: https://docs.acornfinance.com/api-sign-up
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.acornfinance.com/
- type: DeveloperPortal
  url: https://docs.acornfinance.com/
- type: Documentation
  url: https://docs.acornfinance.com/overview
- type: APIReference
  url: https://docs.acornfinance.com/api-applications
- type: GettingStarted
  url: https://docs.acornfinance.com/api-sign-up
- type: SignUp
  url: https://sign-up.acornfinance.com/
- type: Login
  url: https://my.acornfinance.com/
- type: Support
  url: https://www.acornfinance.com/contact-us/
- type: HelpCenter
  url: https://www.acornfinance.com/faq/
- type: Blog
  url: https://www.acornfinance.com/blogpost_category/news/
- type: Pricing
  url: https://www.acornfinance.com/contractors/
- type: TermsOfService
  url: https://www.acornfinance.com/terms-of-use/
- type: PrivacyPolicy
  url: https://www.acornfinance.com/privacy-policy/
- type: GitHubOrganization
  url: https://github.com/headwaysales
- type: DomainSecurity
  url: security/acorn-finance-domain-security.yml
- type: Authentication
  url: authentication/acorn-finance-authentication.yml
- type: Conventions
  url: conventions/acorn-finance-conventions.yml
- type: ErrorCatalog
  url: errors/acorn-finance-problem-types.yml
- type: Lifecycle
  url: lifecycle/acorn-finance-lifecycle.yml
- type: Conformance
  url: conformance/acorn-finance-conformance.yml
- type: Compliance
  url: conformance/acorn-finance-conformance.yml
- type: Webhooks
  url: asyncapi/acorn-finance-postback-webhooks.yml
- type: Sandbox
  url: sandbox/acorn-finance-sandbox.yml
- type: Components
  url: components/acorn-finance-components.yml
- type: DataModel
  url: data-model/acorn-finance-data-model.yml
- type: Packages
  url: packages/acorn-finance-packages.yml
- type: Plans
  url: plans/acorn-finance-plans-pricing.yml
- type: RateLimits
  url: rate-limits/acorn-finance-rate-limits.yml
- type: LLMsTxt
  url: llms/acorn-finance-llms.txt
- type: X-MCPServerCandidate
  url: mcp/acorn-finance-mcp.yml

Acorn Finance API — frequently asked questions

Does Acorn Finance have an API?

Yes. APIs.io lists 1 API from Acorn Finance, including Acorn Finance Partner API.

How do I authenticate with the Acorn Finance API?

Acorn Finance uses bearer-token authentication (1 scheme). The details are profiled on APIs.io as Acorn Finance Authentication.

How much does the Acorn Finance API cost?

APIs.io lists 1 pricing plan for Acorn Finance, with each plan's price, limits and inclusions under Pricing on this page.

Is the Acorn Finance API ready for AI agents?

Acorn Finance has a Kin Score of 38.5 out of 100 (thin) and an Agent Readiness score of 25.2 (agent-aware), scored by API Evangelist on 2026-11-06.

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