FundingTracker
MCA calculators (factor rate to APR, payoff, cash-flow impact), public funder directory and guides.
Should I use this
Quality & Safety
Based on automated analysis of tool definitions and protocol compliance.
Context Cost
This is the approximate number of tokens consumed each time the server's tools are loaded into a model's context. Higher counts reduce the attention available for other tasks.
Install
One-Click Install
Add this to your `claude_desktop_config.json` file:
{
"mcpServers": {
"fundingtracker": {
"url": "https://fundingtracker.app/api/mcp"
}
}
}Remote endpoints
https://fundingtracker.app/api/mcpstreamable-httpWhat it can do
Tool inventory
Tools (8)
🟢calculate_mca_apr(advance, factor_rate, payment_frequency, term_months)
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.
Input Schema
{
"type": "object",
"properties": {
"advance": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000,
"description": "Funded advance amount in USD, e.g. 50000."
},
"factor_rate": {
"type": "number",
"minimum": 1,
"maximum": 2,
"description": "Factor rate, e.g. 1.35 (total payback = advance x factor rate). Between 1.0 and 2.0."
},
"payment_frequency": {
"default": "daily",
"description": "Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'.",
"type": "string",
"enum": [
"daily",
"weekly"
]
},
"term_months": {
"type": "integer",
"minimum": 1,
"maximum": 24,
"description": "Repayment term in months (1-24), e.g. 6."
}
},
"required": [
"advance",
"factor_rate",
"term_months"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}Output Schema
{
"type": "object",
"properties": {
"advance": {
"type": "number"
},
"factor_rate": {
"type": "number"
},
"payment_frequency": {
"type": "string",
"enum": [
"daily",
"weekly"
]
},
"term_months": {
"type": "number"
},
"total_payback": {
"type": "number"
},
"cost_of_capital": {
"type": "number"
},
"payment_amount": {
"type": "number"
},
"number_of_payments": {
"type": "number"
},
"effective_apr_percent": {
"type": "number"
},
"method": {
"type": "string"
},
"calculator_url": {
"type": "string"
},
"learn_more_url": {
"type": "string"
}
},
"required": [
"advance",
"factor_rate",
"payment_frequency",
"term_months",
"total_payback",
"cost_of_capital",
"payment_amount",
"number_of_payments",
"effective_apr_percent",
"method",
"calculator_url",
"learn_more_url"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}🟢estimate_mca_payoff(advance, factor_rate, amount_paid, payment_frequency, payment_amount, ...)
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.
Input Schema
{
"type": "object",
"properties": {
"advance": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000,
"description": "Funded advance amount in USD, e.g. 50000."
},
"factor_rate": {
"type": "number",
"minimum": 1,
"maximum": 2,
"description": "Factor rate, e.g. 1.35 (total payback = advance x factor rate). Between 1.0 and 2.0."
},
"amount_paid": {
"default": 0,
"description": "Total already repaid in USD. Defaults to 0.",
"type": "number",
"minimum": 0,
"maximum": 100000000
},
"payment_frequency": {
"default": "daily",
"description": "Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'.",
"type": "string",
"enum": [
"daily",
"weekly"
]
},
"payment_amount": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 10000000,
"description": "The daily or weekly payment amount in USD, e.g. 450."
},
"as_of_date": {
"description": "Date to project from (YYYY-MM-DD). Defaults to today (UTC).",
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$"
}
},
"required": [
"advance",
"factor_rate",
"payment_amount"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}Output Schema
{
"type": "object",
"properties": {
"advance": {
"type": "number"
},
"factor_rate": {
"type": "number"
},
"payment_frequency": {
"type": "string",
"enum": [
"daily",
"weekly"
]
},
"payment_amount": {
"type": "number"
},
"total_payback": {
"type": "number"
},
"amount_paid": {
"type": "number"
},
"remaining_balance": {
"type": "number"
},
"percent_paid": {
"type": "number"
},
"payments_left": {
"type": "number"
},
"calendar_days_left": {
"type": "number"
},
"as_of_date": {
"type": "string"
},
"estimated_payoff_date": {
"type": "string"
},
"note": {
"type": "string"
},
"calculator_url": {
"type": "string"
},
"learn_more_url": {
"type": "string"
}
},
"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"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}🟢mca_payment_impact(average_daily_revenue, payment_amount, payment_frequency)
Measure how heavy an MCA payment is against average daily revenue: daily-equivalent payment, % of daily revenue, weekly and monthly outflow, and a risk level (high at 30%+, medium at 15%+, otherwise low).
Input Schema
{
"type": "object",
"properties": {
"average_daily_revenue": {
"type": "number",
"exclusiveMinimum": 0,
"maximum": 100000000,
"description": "Average daily revenue (sales deposits) in USD, e.g. 2000."
},
"payment_amount": {
"type": "number",
"minimum": 0,
"maximum": 10000000,
"description": "The daily or weekly MCA payment in USD, e.g. 450."
},
"payment_frequency": {
"default": "daily",
"description": "Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'.",
"type": "string",
"enum": [
"daily",
"weekly"
]
}
},
"required": [
"average_daily_revenue",
"payment_amount"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}Output Schema
{
"type": "object",
"properties": {
"average_daily_revenue": {
"type": "number"
},
"payment_amount": {
"type": "number"
},
"payment_frequency": {
"type": "string",
"enum": [
"daily",
"weekly"
]
},
"daily_equivalent_payment": {
"type": "number"
},
"percent_of_daily_revenue": {
"type": "number"
},
"weekly_outflow": {
"type": "number"
},
"monthly_outflow": {
"type": "number"
},
"risk_level": {
"type": "string",
"enum": [
"low",
"medium",
"high"
]
},
"risk_summary": {
"type": "string"
},
"thresholds": {
"type": "object",
"properties": {
"medium_percent": {
"type": "number"
},
"high_percent": {
"type": "number"
}
},
"required": [
"medium_percent",
"high_percent"
],
"additionalProperties": false
},
"calculator_url": {
"type": "string"
},
"learn_more_url": {
"type": "string"
}
},
"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"
],
"$schema": "https://json-schema.org/draft/2020-12/schema",
"additionalProperties": false
}🟢search_funders(query, financing_type, limit)
Search FundingTracker's public directory of merchant cash advance and business financing providers by name, description or financing type (e.g. MCA, Term Loan, SBA Loan, Line of Credit). Returns each funder's slug, profile link and merchant review rating.
Input Schema
{
"type": "object",
"properties": {
"query": {
"description": "Words to match in the funder name or description. Omit to list the directory.",
"type": "string",
"maxLength": 100
},
"financing_type": {
"description": "Filter by financing type, e.g. 'MCA', 'Term Loan', 'SBA Loan', 'Line of Credit'.",
"type": "string",
"maxLength": 60
},
"limit": {
"default": 20,
"description": "Maximum results (1-50, default 20).",
"type": "integer",
"minimum": 1,
"maximum": 50
}
},
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢get_funder(slug)
Get one funder's public profile from the FundingTracker directory by slug: financing type, description, website, average merchant rating, review count and the most recent public reviews.
Input Schema
{
"type": "object",
"properties": {
"slug": {
"type": "string",
"minLength": 1,
"maxLength": 200,
"description": "Funder slug from search_funders (e.g. 'apex-funding-group-llc') or its fundingtracker.app/funders URL."
}
},
"required": [
"slug"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢search_mca_guides(query, limit)
Search FundingTracker's merchant cash advance guides (payment tracking, remaining balance, factor rates, daily ACH debits, stacking, consolidation, contract review). Returns titles, short answers and links; call get_mca_guide for the full text.
Input Schema
{
"type": "object",
"properties": {
"query": {
"description": "Topic or question, e.g. 'remaining balance' or 'stacked advances'. Omit to list every guide.",
"type": "string",
"maxLength": 200
},
"limit": {
"default": 10,
"description": "Maximum results (1-20, default 10).",
"type": "integer",
"minimum": 1,
"maximum": 20
}
},
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢get_mca_guide(slug)
Return the full text of one FundingTracker MCA guide as markdown, with its canonical URL, key takeaways, sections, checklist and FAQs.
Input Schema
{
"type": "object",
"properties": {
"slug": {
"type": "string",
"minLength": 1,
"maxLength": 200,
"description": "Guide slug from search_mca_guides (e.g. 'what-is-a-factor-rate-merchant-cash-advance') or its URL."
}
},
"required": [
"slug"
],
"$schema": "https://json-schema.org/draft/2020-12/schema"
}🟢about_fundingtracker
What FundingTracker.app is, who it is for, what it tracks, its plans, how bank data and contracts are handled, and links to its key public pages.
Input Schema
{
"type": "object",
"properties": {},
"$schema": "https://json-schema.org/draft/2020-12/schema"
}Community
Evidence