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8 clients · secrets stay placeholders

JSON (mcpServers)Claude CodeCodexOpenCodeCursorVS CodeGemini CLIGoose

{
  "mcpServers": {
    "sbaexpress-loans": {
      "type": "http",
      "url": "https://www.sbaexpress.loans/api/sba-express/mcp"
    }
  }
}

claude mcp add --transport http sbaexpress-loans https://www.sbaexpress.loans/api/sba-express/mcp

[mcp_servers.sbaexpress-loans]
url = "https://www.sbaexpress.loans/api/sba-express/mcp"

{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "sbaexpress-loans": {
      "type": "remote",
      "url": "https://www.sbaexpress.loans/api/sba-express/mcp",
      "enabled": true
    }
  }
}

{
  "mcpServers": {
    "sbaexpress-loans": {
      "type": "http",
      "url": "https://www.sbaexpress.loans/api/sba-express/mcp"
    }
  },
  "deeplink": "cursor://anysphere.cursor-deeplink/mcp/install?name=sbaexpress-loans&config=eyJ0eXBlIjoiaHR0cCIsInVybCI6Imh0dHBzOi8vd3d3LnNiYWV4cHJlc3MubG9hbnMvYXBpL3NiYS1leHByZXNzL21jcCJ9"
}

{
  "servers": {
    "sbaexpress-loans": {
      "type": "http",
      "url": "https://www.sbaexpress.loans/api/sba-express/mcp"
    }
  }
}

{
  "mcpServers": {
    "sbaexpress-loans": {
      "httpUrl": "https://www.sbaexpress.loans/api/sba-express/mcp"
    }
  }
}

extensions:
  "sbaexpress-loans":
    enabled: true
    name: "sbaexpress-loans"
    type: streamable_http
    uri: "https://www.sbaexpress.loans/api/sba-express/mcp"
    timeout: 300

Quality 80 / 100good

protocol75 · weight 25

warn
protocol.modernnewest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
n/a
protocol.statelessonly applies to 2026-07-28 servers
pass
protocol.transportstreamable HTTP
n/a
protocol.list_ttlonly applies to 2026-07-28 servers

authorizationn/a · weight 15

n/a
auth.prm, auth.as_metadata, auth.cimdno remote uses OAuth
n/a
auth.secret_in_urlno templated URL

tool hygiene100 · weight 30

pass
tools.descriptionsevery tool has a description
pass
tools.description_lengthdescriptions are concise
pass
tools.schemasevery tool has an object input schema
pass
tools.annotations20 of 20 tools declare readOnlyHint or destructiveHint
pass
tools.directory_hintsevery tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
pass
tools.token_costabout 4,121 tokens to load every tool
pass
tools.api_dumptools are not a one-to-one API dump
pass
tools.hidden_textno hidden text in tool names, descriptions, schemas or annotations

stability50 · weight 15

warn
stability.changes12 tool changes in 30 days
fail
stability.rug_pull1 tools kept their name but changed most of their description in 30 days; review before trusting them
pass
stability.new_linksno tool change named a new site

dependenciesn/a · weight 15

n/a
deps.known_vulns, deps.mcp_sdk_version, deps.resolvableno npm or PyPI package

20 tools, about 4,121 tokens to load them all · tool set 914759d7d4c6 · tools last changed 2026-11-12 · checked 2026-11-14 07:36 UTC

Tool changes

2026-11-12get_financing_linkchangedtitle, description, annotationsmeaning changed
before
Link where a small business owner can request SBA Express financing options; the request is routed to lending partners. Free, no obligation.
after · 43% of words in common
Link where a small business owner can send an SBA Express loan request. It is not a loan application. The request is routed to lending partners, who may pay Janover Capital LLC a referral fee. The owner pays nothing.
2026-11-12check_sba_refinanceadded
Works through SBA's refinancing rules (SOP 50 10 8.1, Appendix 14) for one debt. Call it with no inputs to get the first questions and their option values; each answer comes back with the rule and its citation, plus the questions still open. A rule screen, not a lender's decision.
2026-11-12check_line_of_credit_structureadded
Tests whether an SBA Express revolving line's draw period and total maturity fit SBA's rules, then gives the interest-only payment during the draw, the term-out payment and the step-up between them.
2026-11-12calculate_debt_service_coverageadded
Debt service coverage before and after a new loan, and the largest loan the cash flow carries at a target ratio. Cash flow is net income plus interest, taxes, depreciation and amortization, and adjustments. A calculation only: a lender sets its own minimum.
2026-11-12compare_equipment_lease_or_buyadded
Compares buying equipment with a loan against leasing it, in today's dollars, and gives the lease's implied rate and the resale value at which buying wins.
2026-11-12calculate_invoice_factoring_costadded
Cash up front, fees, the reserve paid back and the APR on the cash received when an invoice is factored, from the advance rate, the fee schedule and the days until the customer pays.
2026-11-12calculate_mca_true_costadded
Turns a merchant cash advance's factor rate and payment schedule into total payback, dollar cost and APR, and shows how the APR moves if it is repaid faster or slower. An estimate from the inputs, not a quote.
2026-11-12calculate_business_loan_paymentadded
Monthly payment, total interest and APR (with fees) on a fully amortizing business loan, beside the payment at SBA's maximum rate for the size. Returns a link that opens the calculator with the same figures.
2026-11-11size_standardadded
The SBA small-business size standard for a NAICS code, from 13 CFR 121.201, with exceptions and footnotes. Also gives the alternative size standard for 7(a) loans. Search by words if the code is unknown; pass receipts or employees to compare against the limit.
2026-11-11check_eligibilityadded
Screens a business against SBA's published eligibility rules: operating and for-profit, located in the U.S., size standard, ownership and citizenship, ineligible business types (13 CFR 120.110), prior federal loss and delinquent federal debt. Unanswered rules come back as open questions. Each rule cites its source. A rule screen only: not a lender's decision and never approval odds.

Showing the latest 10. Full history: list_changes · trend: quality JSON.

Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed. How it is computed.

Trust 82 / 100

no-repository

provenance55

liveness98

freshness100

hygiene80

+dns-namespace +website +reachable +uptime-94% +updated-9d-ago -no-repository

Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed. How it is computed.

Endpoints

remote	auth	reachable	uptime 30d	p50	protocol	last ok
`https://www.sbaexpress.loans/api/sba-express/mcp` streamable-http	none	yes	94%	390 ms	2025-11-25	2026-11-14

Tools (20)

`calculate_business_loan_payment`read-only	Monthly payment, total interest and APR (with fees) on a fully amortizing business loan, beside the payment at SBA's maximum rate for the size. Returns a link that opens the calculator with the same figures.
`calculate_debt_service_coverage`read-only	Debt service coverage before and after a new loan, and the largest loan the cash flow carries at a target ratio. Cash flow is net income plus interest, taxes, depreciation and amortization, and adjustments. A calculation only: a lender sets its own minimum.
`calculate_invoice_factoring_cost`read-only	Cash up front, fees, the reserve paid back and the APR on the cash received when an invoice is factored, from the advance rate, the fee schedule and the days until the customer pays.
`calculate_mca_true_cost`read-only	Turns a merchant cash advance's factor rate and payment schedule into total payback, dollar cost and APR, and shows how the APR moves if it is repaid faster or slower. An estimate from the inputs, not a quote.
`check_eligibility`read-only	Screens a business against SBA's published eligibility rules: operating and for-profit, located in the U.S., size standard, ownership and citizenship, ineligible business types (13 CFR 120.110), prior federal loss and delinquent federal debt. Unanswered rules come back as open questions. Each rule cites its source. A rule screen only: not a lender's decision and never approval odds.
`check_line_of_credit_structure`read-only	Tests whether an SBA Express revolving line's draw period and total maturity fit SBA's rules, then gives the interest-only payment during the draw, the term-out payment and the step-up between them.
`check_sba_refinance`read-only	Works through SBA's refinancing rules (SOP 50 10 8.1, Appendix 14) for one debt. Call it with no inputs to get the first questions and their option values; each answer comes back with the rule and its citation, plus the questions still open. A rule screen, not a lender's decision.
`compare_equipment_lease_or_buy`read-only	Compares buying equipment with a loan against leasing it, in today's dollars, and gives the lease's implied rate and the resale value at which buying wins.
`estimate_guaranty_fee`read-only	SBA upfront guaranty fee for an SBA Express or standard 7(a) loan under the FY2027 schedule, with exceptions.
`estimate_payment`read-only	Level monthly payment and total interest for a fully amortizing loan. Also returns today's SBA Express rate cap for the amount.
`find_lenders`read-only	Lenders that made SBA 7(a) loans in a state in recent fiscal years, filtered to a loan size and NAICS sector and ranked by loans in that slice. Past SBA approvals, not any lender's current credit policy.
`find_similar_loans`read-only	Median loan, rate at approval, spread over Prime, term and the most active lenders on SBA loans approved to businesses like this one in recent fiscal years. Give a 6-digit NAICS code or industry words, plus optional state, amount and business age. If that group is too thin, it says which broader group it used. Approved loans only: never a read on approval odds.
`get_financing_link`read-only	Link where a small business owner can send an SBA Express loan request. It is not a loan application. The request is routed to lending partners, who may pay Janover Capital LLC a referral fee. The owner pays nothing.
`get_lender`read-only	A lender's SBA Express lending record: loan count, sizes, line of credit share, top states. Matches on lender name.
`get_max_rates_today`read-only	Today's maximum variable interest rate for SBA Express (and 7(a)) loans by loan size: live WSJ Prime plus SBA's capped spread. Optionally pass an amount to get the cap for that loan.
`get_program_statistics`read-only	SBA Express loans by fiscal year, loan sizes, borrower types, industries, rates at approval and charge-offs, from SBA's loan-level file.
`get_program_terms`read-only	SBA Express program rules: maximum loan, SBA guaranty, rate caps by loan size, line of credit rules, FY2027 guaranty fees and exceptions, with sources.
`get_state`read-only	SBA Express loan count, dollars, median loan, top lenders and top industries for one state.
`list_lenders`read-only	Lenders ranked by number of SBA Express loans in the most recent fiscal years. Pass a state to get the most active lenders there.
`size_standard`read-only	The SBA small-business size standard for a NAICS code, from 13 CFR 121.201, with exceptions and footnotes. Also gives the alternative size standard for 7(a) loans. Search by words if the code is unknown; pass receipts or employees to compare against the limit.

Schemas: list_tools.

Similar MCP servers

Official server.json

{
  "name": "loans.sbaexpress.www/sbaexpress-loans",
  "title": "SBA Express Loans",
  "$schema": "https://static.modelcontextprotocol.io/schemas/2025-12-11/server.schema.json",
  "remotes": [
    {
      "url": "https://www.sbaexpress.loans/api/sba-express/mcp",
      "type": "streamable-http"
    }
  ],
  "version": "1.2026.1105.0",
  "websiteUrl": "https://www.sbaexpress.loans/sba-express-api/",
  "description": "SBA Express program rules, live maximum rates, FY2027 guaranty fees, payments, and lender and state."
}