MCA calculators (factor rate to APR, payoff, cash-flow impact), public funder directory and guides.
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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.
This tool takes no arguments.
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.
No arguments.
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {}
}Convert a merchant cash advance factor rate into total payback, cost of capital, payment size, number of payments and effective APR. Daily payments are business days (21 per month, 252 per year); weekly is 4.33 per month. APR discounts each payment to present value, the same formula as the FundingTracker MCA calculator.
| Argument | Type | Description |
|---|---|---|
| advance* | number | Funded advance amount in USD, e.g. 50000. |
| factor_rate* | number | Factor rate, e.g. 1.35 (total payback = advance x factor rate). Between 1.0 and 2.0. |
| term_months* | integer | Repayment term in months (1-24), e.g. 6. |
| payment_frequency | string | Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'. |
{
"type": "object",
"$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'."
}
}
}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.
| Argument | Type | Description |
|---|---|---|
| advance* | number | Funded advance amount in USD, e.g. 50000. |
| as_of_date | string | Date to project from (YYYY-MM-DD). Defaults to today (UTC). |
| amount_paid | number | Total already repaid in USD. Defaults to 0. |
| factor_rate* | number | Factor rate, e.g. 1.35 (total payback = advance x factor rate). Between 1.0 and 2.0. |
| payment_amount* | number | The daily or weekly payment amount in USD, e.g. 450. |
| payment_frequency | string | Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'. |
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"advance",
"factor_rate",
"payment_amount"
],
"properties": {
"advance": {
"type": "number",
"maximum": 10000000,
"description": "Funded advance amount in USD, e.g. 50000.",
"exclusiveMinimum": 0
},
"as_of_date": {
"type": "string",
"pattern": "^\\d{4}-\\d{2}-\\d{2}$",
"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'."
}
}
}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.
| Argument | Type | Description |
|---|---|---|
| slug* | string | Funder slug from search_funders (e.g. 'apex-funding-group-llc') or its fundingtracker.app/funders URL. |
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"slug"
],
"properties": {
"slug": {
"type": "string",
"maxLength": 200,
"minLength": 1,
"description": "Funder slug from search_funders (e.g. 'apex-funding-group-llc') or its fundingtracker.app/funders URL."
}
}
}Return the full text of one FundingTracker MCA guide as markdown, with its canonical URL, key takeaways, sections, checklist and FAQs.
| Argument | Type | Description |
|---|---|---|
| slug* | string | Guide slug from search_mca_guides (e.g. 'what-is-a-factor-rate-merchant-cash-advance') or its URL. |
{
"type": "object",
"$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."
}
}
}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).
| Argument | Type | Description |
|---|---|---|
| payment_amount* | number | The daily or weekly MCA payment in USD, e.g. 450. |
| payment_frequency | string | Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'. |
| average_daily_revenue* | number | Average daily revenue (sales deposits) in USD, e.g. 2000. |
{
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"average_daily_revenue",
"payment_amount"
],
"properties": {
"payment_amount": {
"type": "number",
"maximum": 10000000,
"minimum": 0,
"description": "The daily or weekly MCA payment in USD, e.g. 450."
},
"payment_frequency": {
"enum": [
"daily",
"weekly"
],
"type": "string",
"default": "daily",
"description": "Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'."
},
"average_daily_revenue": {
"type": "number",
"maximum": 100000000,
"description": "Average daily revenue (sales deposits) in USD, e.g. 2000.",
"exclusiveMinimum": 0
}
}
}Search FundingTracker's public directory of merchant cash advance and business financing providers by name, description or financing type (e.g. MCA, Term Loan, SBA Loan, Line of Credit). Returns each funder's slug, profile link and merchant review rating.
| Argument | Type | Description |
|---|---|---|
| limit | integer | Maximum results (1-50, default 20). |
| query | string | Words to match in the funder name or description. Omit to list the directory. |
| financing_type | string | Filter by financing type, e.g. 'MCA', 'Term Loan', 'SBA Loan', 'Line of Credit'. |
{
"type": "object",
"$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."
},
"financing_type": {
"type": "string",
"maxLength": 60,
"description": "Filter by financing type, e.g. 'MCA', 'Term Loan', 'SBA Loan', 'Line of Credit'."
}
}
}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.
| Argument | Type | Description |
|---|---|---|
| limit | integer | Maximum results (1-20, default 10). |
| query | string | Topic or question, e.g. 'remaining balance' or 'stacked advances'. Omit to list every guide. |
{
"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."
}
}
}