# Shared-visibility tools reference

Seven loan tools are available to both agents and borrowers. Unlike the 48 agent-only tools, these appear in the Loan Options menu for borrowers as well — unless the company hides them through configuration. This page provides a quick reference for agents. For full how-to steps, see the Borrower Portal documentation.

**Availability:** All clients
**Borrower visibility:** Controlled per tool by `uiConfig.loanOptions` settings

## How visibility works

Each shared tool has a corresponding `uiConfig.loanOptions` property. When the property is set to `hidden`, borrowers cannot see or access the tool. Agents always see these tools regardless of the visibility setting.

## Tool reference

### Draw funds

Request a draw against the available credit limit.

|  |  |
|  --- | --- |
| **Permission** | `draw.purchase:create` |
| **Loan status** | `active` |
| **Loan type** | Line of Credit only |
| **Borrower visibility** | `uiConfig.loanOptions.drawFunds` |


### Change due date

Move the next due date to a different day of the month.

|  |  |
|  --- | --- |
| **Permission** | `due.date:update` |
| **Loan status** | `active` |
| **Loan type** | All |
| **Borrower visibility** | `uiConfig.loanOptions.changeDueDate` |


### Manage Autopay

Enable, disable, or update automatic payment settings.

|  |  |
|  --- | --- |
| **Permission** | `autopay:update` |
| **Loan status** | `active` (disabled when collections case exists) |
| **Loan type** | All |
| **Borrower visibility** | `uiConfig.loanOptions.manageAutopay` |


### Manage payment methods

View, add, or remove payment instruments on the loan.

|  |  |
|  --- | --- |
| **Permission** | `payment.instrument:list` |
| **Loan status** | Any |
| **Loan type** | All |
| **Borrower visibility** | `uiConfig.loanOptions.managePaymentMethods` |


### Make payment

Submit a one-time payment toward the loan balance.

|  |  |
|  --- | --- |
| **Permission** | — |
| **Loan status** | `active`, `accelerated`, or `chargedOff` (agent only for charged-off loans) |
| **Loan type** | All |
| **Borrower visibility** | `uiConfig.loanOptions.makePayment` |


Agents can make payments on charged-off loans. Borrowers cannot — the tool is disabled when the loan status is `chargedOff`. Additionally, the tool is disabled for both agents and borrowers when an active collections case exists.

### Change nickname

Set or update a display name for the loan.

|  |  |
|  --- | --- |
| **Permission** | `loan:update` |
| **Loan status** | Any |
| **Loan type** | All |
| **Borrower visibility** | `uiConfig.loanOptions.changeNickname` |


### Get payoff statement

Generate a statement showing the total amount needed to pay off the loan in full.

|  |  |
|  --- | --- |
| **Permission** | — |
| **Loan status** | `active`, `accelerated`, `chargedOff` |
| **Loan type** | All |
| **Borrower visibility** | `uiConfig.loanOptions.getPayoffStatement` |


## Agent-specific behavior

Two behaviors differ when agents use these tools compared to borrowers:

- **Charged-off payments.** The Make payment tool is enabled for agents on charged-off loans. Borrowers cannot make payments once a loan is charged off.
- **Collections bypass.** The Make payment and Manage Autopay tools check for an active collections case and disable themselves for borrowers. Agents who need to process a payment on a loan in collections can use the [Apply external payments](/servicing-operations/agent-only-tools/agent-tools-external-payments) tools instead.


## Related pages

- [Agent-only loan tools](/servicing-operations/agent-only-tools/agent-tools-overview)
- [Apply external payments](/servicing-operations/agent-only-tools/agent-tools-external-payments)
- [Manage payments](/servicing-operations/agent-only-tools/agent-tools-manage-payments)