# Acorn Finance

**Canonical:** https://apis.io/providers/acorn-finance/  
**Website:** https://www.acornfinance.com/  
**APIs profiled:** 1

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.

## Kin Score — 46.6 / 100 (developing)

Scored 2026-09-06 under rubric 0.19.0.

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 41.6 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 13.2 |
| Developer Ergonomics | 64.3 |
| Commercial Clarity | 73.7 |
| Access Clarity | 73.7 |

## Agent readiness — 25.2 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (1)

- **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...

## Security (2)

- **Acorn Finance Authentication** — 1 scheme
- **Acorn Finance Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Acorn Finance Plans Pricing**

## Tags

Company, Financial Services, Lending, Loans, Home Improvement, Embedded Finance, Point of Sale, Consumer Finance, Fintech, Webhooks

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/acorn-finance/). Scores are computed from the provider's own public artifacts under a published rubric.