FundingTracker MCP
An official MCP server for FundingTracker that allows AI assistants to calculate MCA APR and payoff estimates, search funder directories and guides, and manage user deals and alerts. It provides tools for estimating factor-rate costs, analyzing cash-flow impact, and retrieving public directory information without requiring sign-in for public tools.
Endpoint and access
No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.
https://fundingtracker.app/api/mcpWhat you can do with it
- Calculate MCA factor rate to APR estimate
- Estimate MCA payoff timing and amount
- Search the public funder directory
- List and retrieve user deal details
Source and maintenance
Protocol and capabilities
- Server
- app.fundingtracker/fundingtracker 1.0.0
- MCP protocol
- 2025-06-18
- Tools
- 12 advertised
- Resources
- Not advertised
- Resource templates
- Not advertised
- Prompts
- Not advertised
{
"tools": {
"listChanged": true
}
}Server-provided instructions
Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.
Tools
12 advertised
calculate_mca_apr — MCA factor rate to APR
Convert a merchant cash advance factor rate into total payback, cost of capital, payment size, number of payments and effective APR. Daily payments are business days (21 per month, 252 per year); weekly is 4.33 per month. APR discounts each payment to present value, the same formula as the FundingTracker MCA calculator.
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"advance",
"factor_rate",
"term_months"
],
"properties": {
"advance": {
"type": "number",
"maximum": 10000000,
"description": "Funded advance amount in USD, e.g. 50000.",
"exclusiveMinimum": 0
},
"factor_rate": {
"type": "number",
"maximum": 2,
"minimum": 1,
"description": "Factor rate, e.g. 1.35 (total payback = advance x factor rate). Between 1.0 and 2.0."
},
"term_months": {
"type": "integer",
"maximum": 24,
"minimum": 1,
"description": "Repayment term in months (1-24), e.g. 6."
},
"payment_frequency": {
"enum": [
"daily",
"weekly"
],
"type": "string",
"default": "daily",
"description": "Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'."
}
}
}{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"advance",
"factor_rate",
"payment_frequency",
"term_months",
"total_payback",
"cost_of_capital",
"payment_amount",
"number_of_payments",
"effective_apr_percent",
"method",
"calculator_url",
"learn_more_url"
],
"properties": {
"method": {
"type": "string"
},
"advance": {
"type": "number"
},
"factor_rate": {
"type": "number"
},
"term_months": {
"type": "number"
},
"total_payback": {
"type": "number"
},
"calculator_url": {
"type": "string"
},
"learn_more_url": {
"type": "string"
},
"payment_amount": {
"type": "number"
},
"cost_of_capital": {
"type": "number"
},
"payment_frequency": {
"enum": [
"daily",
"weekly"
],
"type": "string"
},
"number_of_payments": {
"type": "number"
},
"effective_apr_percent": {
"type": "number"
}
},
"additionalProperties": false
}{
"title": "MCA factor rate to APR",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}estimate_mca_payoff — MCA payoff estimate
Estimate the remaining balance, payments left and projected payoff date of a merchant cash advance from the advance amount, factor rate, amount already paid and the daily or weekly payment. Remaining balance = total payback - amount paid; daily payments skip weekends.
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"advance",
"factor_rate",
"payment_amount"
],
"properties": {
"advance": {
"type": "number",
"maximum": 10000000,
"description": "Funded advance amount in USD, e.g. 50000.",
"exclusiveMinimum": 0
},
"as_of_date": {
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$",
"description": "Date to project from (YYYY-MM-DD). Defaults to today (UTC)."
},
"amount_paid": {
"type": "number",
"default": 0,
"maximum": 100000000,
"minimum": 0,
"description": "Total already repaid in USD. Defaults to 0."
},
"factor_rate": {
"type": "number",
"maximum": 2,
"minimum": 1,
"description": "Factor rate, e.g. 1.35 (total payback = advance x factor rate). Between 1.0 and 2.0."
},
"payment_amount": {
"type": "number",
"maximum": 10000000,
"description": "The daily or weekly payment amount in USD, e.g. 450.",
"exclusiveMinimum": 0
},
"payment_frequency": {
"enum": [
"daily",
"weekly"
],
"type": "string",
"default": "daily",
"description": "Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'."
}
}
}{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"advance",
"factor_rate",
"payment_frequency",
"payment_amount",
"total_payback",
"amount_paid",
"remaining_balance",
"percent_paid",
"payments_left",
"calendar_days_left",
"as_of_date",
"estimated_payoff_date",
"note",
"calculator_url",
"learn_more_url"
],
"properties": {
"note": {
"type": "string"
},
"advance": {
"type": "number"
},
"as_of_date": {
"type": "string"
},
"amount_paid": {
"type": "number"
},
"factor_rate": {
"type": "number"
},
"percent_paid": {
"type": "number"
},
"payments_left": {
"type": "number"
},
"total_payback": {
"type": "number"
},
"calculator_url": {
"type": "string"
},
"learn_more_url": {
"type": "string"
},
"payment_amount": {
"type": "number"
},
"payment_frequency": {
"enum": [
"daily",
"weekly"
],
"type": "string"
},
"remaining_balance": {
"type": "number"
},
"calendar_days_left": {
"type": "number"
},
"estimated_payoff_date": {
"type": "string"
}
},
"additionalProperties": false
}{
"title": "MCA payoff estimate",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}mca_payment_impact — MCA payment cash-flow impact
Measure how heavy an MCA payment is against average daily revenue: daily-equivalent payment, % of daily revenue, weekly and monthly outflow, and a risk level (high at 30%+, medium at 15%+, otherwise low).
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"average_daily_revenue",
"payment_amount"
],
"properties": {
"payment_amount": {
"type": "number",
"maximum": 10000000,
"minimum": 0,
"description": "The daily or weekly MCA payment in USD, e.g. 450."
},
"payment_frequency": {
"enum": [
"daily",
"weekly"
],
"type": "string",
"default": "daily",
"description": "Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'."
},
"average_daily_revenue": {
"type": "number",
"maximum": 100000000,
"description": "Average daily revenue (sales deposits) in USD, e.g. 2000.",
"exclusiveMinimum": 0
}
}
}{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"average_daily_revenue",
"payment_amount",
"payment_frequency",
"daily_equivalent_payment",
"percent_of_daily_revenue",
"weekly_outflow",
"monthly_outflow",
"risk_level",
"risk_summary",
"thresholds",
"calculator_url",
"learn_more_url"
],
"properties": {
"risk_level": {
"enum": [
"low",
"medium",
"high"
],
"type": "string"
},
"thresholds": {
"type": "object",
"required": [
"medium_percent",
"high_percent"
],
"properties": {
"high_percent": {
"type": "number"
},
"medium_percent": {
"type": "number"
}
},
"additionalProperties": false
},
"risk_summary": {
"type": "string"
},
"calculator_url": {
"type": "string"
},
"learn_more_url": {
"type": "string"
},
"payment_amount": {
"type": "number"
},
"weekly_outflow": {
"type": "number"
},
"monthly_outflow": {
"type": "number"
},
"payment_frequency": {
"enum": [
"daily",
"weekly"
],
"type": "string"
},
"average_daily_revenue": {
"type": "number"
},
"daily_equivalent_payment": {
"type": "number"
},
"percent_of_daily_revenue": {
"type": "number"
}
},
"additionalProperties": false
}{
"title": "MCA payment cash-flow impact",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}search_funders — Search the funder directory
Search FundingTracker's public directory of merchant cash advance and business financing providers by name, description or financing type (e.g. MCA, Term Loan, SBA Loan, Line of Credit). Filter by min_max_deal (largest deal at least this many USD), payments (daily, weekly or monthly) and works_with_isos. Returns each funder's slug, profile link, merchant review rating and its listed facts: type (direct funder or broker), max deal, payment schedules, ISO brokers and states.
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"limit": {
"type": "integer",
"default": 20,
"maximum": 50,
"minimum": 1,
"description": "Maximum results (1-50, default 20)."
},
"query": {
"type": "string",
"maxLength": 100,
"description": "Words to match in the funder name or description. Omit to list the directory."
},
"payments": {
"enum": [
"daily",
"weekly",
"monthly"
],
"type": "string",
"description": "Only funders offering this payment schedule: 'daily', 'weekly' or 'monthly'."
},
"min_max_deal": {
"type": "number",
"maximum": 100000000,
"description": "Only funders whose max deal is at least this many USD, e.g. 250000. Funders that haven't listed a max deal are left out.",
"exclusiveMinimum": 0
},
"financing_type": {
"type": "string",
"maxLength": 60,
"description": "Filter by financing type, e.g. 'MCA', 'Term Loan', 'SBA Loan', 'Line of Credit'."
},
"works_with_isos": {
"type": "boolean",
"description": "true: only funders that work with ISO brokers; false: only those that don't."
}
}
}{
"title": "Search the funder directory",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}get_funder — Get a funder profile
Get one funder's public profile from the FundingTracker directory by slug: financing type, description, website, its listed facts (type, max deal, payment schedules, ISO brokers, states), average merchant rating, review count and the most recent public reviews.
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"slug"
],
"properties": {
"slug": {
"type": "string",
"maxLength": 200,
"minLength": 1,
"description": "Funder slug from search_funders (e.g. 'apex-funding-group-llc') or its fundingtracker.app/funders URL."
}
}
}{
"title": "Get a funder profile",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}request_funder_listing — Request a funder directory listing
Ask FundingTracker to list a funding company (direct funder, ISO/broker or other) in its public funder directory, or to update the facts of a company already listed: max deal, payment schedules, whether it works with ISO brokers, and states served. No sign-in needed; use it only for a company the user represents. FundingTracker emails a confirmation link to contact_email, which should be at the company website's domain (another domain gets a closer review). Nothing is published until that link is opened and FundingTracker approves the listing. Returns the request status, e.g. waiting for email confirmation. One open request per website; rate-limited.
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"company",
"website",
"contact_name",
"contact_email"
],
"properties": {
"type": {
"enum": [
"direct_funder",
"broker",
"other"
],
"type": "string",
"description": "'direct_funder' (funds deals from its own capital), 'broker' (ISO/broker) or 'other'."
},
"states": {
"anyOf": [
{
"type": "string",
"const": "all"
},
{
"type": "array",
"items": {
"type": "string"
},
"maxItems": 60
}
],
"description": "U.S. states served: 'all' for nationwide, or two-letter codes like ['FL', 'GA', 'TX']."
},
"company": {
"type": "string",
"maxLength": 120,
"minLength": 2,
"description": "Company name as it should appear in the directory, e.g. 'Biz Capital Miami'."
},
"website": {
"type": "string",
"maxLength": 200,
"minLength": 4,
"description": "Company website, e.g. 'bizcapitalmiami.com'."
},
"max_deal": {
"type": "number",
"maximum": 100000000,
"description": "Largest deal funded, in USD, e.g. 250000.",
"exclusiveMinimum": 0
},
"payments": {
"type": "array",
"items": {
"enum": [
"daily",
"weekly",
"monthly"
],
"type": "string"
},
"maxItems": 3,
"description": "Payment schedules offered: any of 'daily', 'weekly', 'monthly'."
},
"contact_name": {
"type": "string",
"maxLength": 120,
"minLength": 2,
"description": "Name of the person requesting the listing."
},
"contact_email": {
"type": "string",
"format": "email",
"pattern": "^(?!\\.)(?!.*\\.\\.)([A-Za-z0-9_'+\\-\\.]*)[A-Za-z0-9_+-]@([A-Za-z0-9][A-Za-z0-9\\-]*\\.)+[A-Za-z]{2,}$",
"maxLength": 200,
"description": "Work email at the company's own domain. A confirmation link is sent here; an email at another domain gets a closer review."
},
"works_with_isos": {
"type": "boolean",
"description": "Whether the company works with ISO brokers."
}
}
}{
"title": "Request a funder directory listing",
"readOnlyHint": false,
"openWorldHint": true,
"idempotentHint": false,
"destructiveHint": false
}search_mca_guides — Search MCA guides
Search FundingTracker's merchant cash advance guides (payment tracking, remaining balance, factor rates, daily ACH debits, stacking, consolidation, contract review). Returns titles, short answers and links; call get_mca_guide for the full text.
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"limit": {
"type": "integer",
"default": 10,
"maximum": 20,
"minimum": 1,
"description": "Maximum results (1-20, default 10)."
},
"query": {
"type": "string",
"maxLength": 200,
"description": "Topic or question, e.g. 'remaining balance' or 'stacked advances'. Omit to list every guide."
}
}
}{
"title": "Search MCA guides",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}get_mca_guide — Read an MCA guide
Return the full text of one FundingTracker MCA guide as markdown, with its canonical URL, key takeaways, sections, checklist and FAQs.
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"slug"
],
"properties": {
"slug": {
"type": "string",
"maxLength": 200,
"minLength": 1,
"description": "Guide slug from search_mca_guides (e.g. 'what-is-a-factor-rate-merchant-cash-advance') or its URL."
}
}
}{
"title": "Read an MCA guide",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}about_fundingtracker — About FundingTracker
What FundingTracker.app is, who it is for, what it tracks, how bank data and contracts are handled, and links to its key public pages.
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {}
}{
"title": "About FundingTracker",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}list_my_deals — List my deals
List the signed-in user's deals in FundingTracker (merchant cash advances, loans, lines of credit): funder, financing type, amounts, amount paid, remaining balance, payment amount and frequency, and projected payoff date. Requires signing in to FundingTracker.
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"include_closed": {
"type": "boolean",
"default": false,
"description": "Also list closed (paid off or bought out) deals."
}
}
}{
"title": "List my deals",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}get_my_deal — Get one of my deals
Get one of the signed-in user's deals by id (from list_my_deals): its contract terms, balance, projected payoff and recent recorded payments, including bank debits matched to it. Requires signing in to FundingTracker.
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"deal_id"
],
"properties": {
"deal_id": {
"type": "string",
"format": "uuid",
"pattern": "^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$",
"description": "Deal id from list_my_deals."
}
}
}{
"title": "Get one of my deals",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}list_my_alerts — List my alerts
List the alerts FundingTracker recently sent the signed-in user, such as missed payments, extra or unexpected debits, upcoming payment reminders and payoff milestones, newest first. Requires signing in to FundingTracker.
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"days": {
"type": "integer",
"default": 30,
"maximum": 90,
"minimum": 1,
"description": "How many days back to look, 1-90."
}
}
}{
"title": "List my alerts",
"readOnlyHint": true,
"openWorldHint": false,
"idempotentHint": true,
"destructiveHint": false
}Prompts
Not advertised
Resources
Not advertised
30-day availability
Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.
- Successful checks
- 1 of 1 (100%)
- Average latency
- 459 ms
- 95th percentile latency
- 459 ms
Maintenance history
Public check and source-refresh events. Editorial and ownership records remain private.
- · probe · passed · 459 ms · metadata changed · 12 tool(s)
Connect from your client
Each snippet registers the same endpoint; pick the client you use.
Claude Code
claude mcp add --transport http fundingtracker-mcp https://fundingtracker.app/api/mcpCodex
codex mcp add fundingtracker-mcp --url https://fundingtracker.app/api/mcpCursor
{
"mcpServers": {
"fundingtracker-mcp": {
"url": "https://fundingtracker.app/api/mcp"
}
}
}Cline
{
"mcpServers": {
"fundingtracker-mcp": {
"type": "streamableHttp",
"url": "https://fundingtracker.app/api/mcp",
"disabled": false
}
}
}VS Code
{
"servers": {
"fundingtracker-mcp": {
"type": "http",
"url": "https://fundingtracker.app/api/mcp"
}
}
}Gemini CLI
gemini mcp add --transport http fundingtracker-mcp https://fundingtracker.app/api/mcpClaude Desktop
{
"mcpServers": {
"fundingtracker-mcp": {
"url": "https://fundingtracker.app/api/mcp"
}
}
}Windsurf
{
"mcpServers": {
"fundingtracker-mcp": {
"serverUrl": "https://fundingtracker.app/api/mcp"
}
}
}Let your agent find its tools
Find servers like FundingTracker MCP from your agent. Add Koskamo once to search the index for endpoints, access requirements, and client setup. Public discovery needs no key.
Other payments servers
Do you run FundingTracker MCP?
Prove ownership with a DNS record, a well-known file, or your Official MCP Registry entry, and your edits publish immediately. Proofs are re-checked weekly; admins can still hide or remove a listing.