> ## Documentation Index
> Fetch the complete documentation index at: https://developers.meet-oj.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> Offer small-business financing inside your product without becoming a lender or a broker.

The O.J. ADK lets banks, marketplaces, payment processors and software platforms offer financing to their small-business customers, inside their own product.

Your customer applies without leaving your product. O.J. runs the application, matches the business to named lenders, collects what's missing and follows the deal to a lender's decision and funding. You earn a share of the commission on every funded loan.

<CardGroup cols={3}>
  <Card title="Quickstart" icon="rocket" href="/api-quickstart">
    Create your first referral in the sandbox.
  </Card>

  <Card title="O.J. Embed" icon="window-maximize" href="/embed">
    Drop-in screens for the whole application.
  </Card>

  <Card title="Agents" icon="robot" href="/agents">
    Connect your agent over MCP.
  </Card>
</CardGroup>

## How it works

<Steps>
  <Step title="Send a business">
    Create a referral with `POST /referrals`, the Embed intake screen, or your agent.
  </Step>

  <Step title="Show the borrower where things stand">
    Every referral returns a five-step `progress` track, a `todos` list of anything the borrower needs to do, and the lenders it `matches`.
  </Step>

  <Step title="Get paid">
    Webhooks report offers, funding and your payouts as they happen.
  </Step>
</Steps>

## Ways to integrate

| Option                                   | Best for                                                        |
| ---------------------------------------- | --------------------------------------------------------------- |
| [O.J. Embed](/embed)                     | Adding the application to your product without building screens |
| [REST API and webhooks](/api-quickstart) | Building your own screens on the same data                      |
| [MCP](/agents)                           | Agents that act on your behalf                                  |

All three read and write the same referral. Embed shows only what the API returns, so your own screens can match it exactly.