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 publishes 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 📡 Source on GitHub

46.6/100 developing Agent 25/100 agent aware Full breakdown ↓
scored 2026-09-06 · rubric v0.19.0

1 APIs

CompanyFinancial ServicesLending Loans Home Improvement Embedded FinancePoint of SaleConsumer Finance FintechWebhooks

Kin Score

Kin Score How this is scored →
scored 2026-09-06 · rubric v0.19.0

Composite quality — 46.6/100 · developing

Contract Quality 10.4 / 25

Developer Ergonomics 12.9 / 20

Access Clarity 14.7 / 20

Operational Transparency 1.7 / 13

Contract Governance 0.0 / 12

Discoverability 6.9 / 10

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

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APIs 1

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

Rate Limits 1

Documented rate limits and quota policies.

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
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
- Webhooks
apis:
- aid: 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
  - 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

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Acorn Finance

Kin Score

APIs 1

Acorn Finance Partner API

Pricing Plans 1

Acorn Finance Plans Pricing

Rate Limits 1

Acorn Finance Rate Limits

Event Specifications 1

Acorn Finance Postback Webhooks

Security Posture 2

Acorn Finance Authentication

Acorn Finance Domain Security

Resources