# SBA Express Loans

> SBA Express program rules, live maximum rates, FY2027 guaranty fees, payments, and lender and state.

- name: loans.sbaexpress.www/sbaexpress-loans
- version: 1.2026.1105.0
- connection class: R0 (autonomous)
- trust: 82/100 flags: no-repository
- quality: 80/100 (good)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/loans.sbaexpress.www%2Fsbaexpress-loans
- tools: https://api.protogrid.dev/v1/servers/loans.sbaexpress.www%2Fsbaexpress-loans/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

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


## Trust

- hygiene: 80
- liveness: 98
- freshness: 100
- provenance: 55
- drivers: +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.

## Quality 80/100 (good)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 100 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 20 of 20 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 4,121 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump
- pass `tools.hidden_text`: no hidden text in tool names, descriptions, schemas or annotations

### stability: 50 (weight 15)

- warn `stability.changes`: 12 tool changes in 30 days
- fail `stability.rug_pull`: 1 tools kept their name but changed most of their description in 30 days; review before trusting them
- pass `stability.new_links`: no tool change named a new site

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 20, about 4,121 tokens to load them all
- tool set hash: 914759d7d4c63819bd66447ad114b837
- tools last changed: 2026-11-12T01:58:10.869Z
- badge: [![protogrid quality](https://protogrid.dev/badge/loans.sbaexpress.www/sbaexpress-loans.svg)](https://protogrid.dev/servers/loans.sbaexpress.www/sbaexpress-loans)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

- 2026-11-12 `get_financing_link` changed (title, description, annotations) **meaning 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: 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.
- 2026-11-12 `check_sba_refinance` added
  - 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.
- 2026-11-12 `check_line_of_credit_structure` added
  - 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.
- 2026-11-12 `calculate_debt_service_coverage` added
  - 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.
- 2026-11-12 `compare_equipment_lease_or_buy` added
  - 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.
- 2026-11-12 `calculate_invoice_factoring_cost` added
  - 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.
- 2026-11-12 `calculate_mca_true_cost` added
  - 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.
- 2026-11-12 `calculate_business_loan_payment` added
  - 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.
- 2026-11-11 `size_standard` added
  - 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.
- 2026-11-11 `check_eligibility` added
  - 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.

Full history: https://api.protogrid.dev/v1/servers/loans.sbaexpress.www%2Fsbaexpress-loans/changes

## Remotes

- https://www.sbaexpress.loans/api/sba-express/mcp (streamable-http, auth none, reachable true, uptime30d 0.93939394)

## Packages

_none_

## Tools (20)

- `calculate_business_loan_payment`: 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`: 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`: 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`: 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`: 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`: 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`: 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`: 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`: SBA upfront guaranty fee for an SBA Express or standard 7(a) loan under the FY2027 schedule, with exceptions.
- `estimate_payment`: Level monthly payment and total interest for a fully amortizing loan. Also returns today's SBA Express rate cap for the amount.
- `find_lenders`: 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`: 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`: 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`: A lender's SBA Express lending record: loan count, sizes, line of credit share, top states. Matches on lender name.
- `get_max_rates_today`: 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`: 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`: 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`: SBA Express loan count, dollars, median loan, top lenders and top industries for one state.
- `list_lenders`: 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`: 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.