US lenders by industry and state, state brokering rules, and the next-best option after a decline.
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Lane PC (investor property) or BC (business capital). Returns program TYPES with plain descriptions and typical ranges from categorical answers plus optional rounded figures. An estimated match, never an offer. PC answers: deal (purchase|refinance|purchase_rehab), occupancy (investment|owner), owner (entity|individual), propertyType (1-4|5-20|mixed), experience (0|1-2|3-5|6+), exit (sell|dscr|unsure), optional purchasePrice, rehabBudget, afterRepairValue. BC answers: timeInBusiness (<1|1-2|2-5|5+), nsf (0|1-3|4+), openPositions (no|yes), use (inventory|equipment|payroll|expansion|refinance|other), optional monthlyDeposits, amount.
Pick your client. Values in capitals, like YOUR_TOKEN, are yours to fill in.
Run in a terminal
claude mcp add --transport http allclear-lending https://fundingos.consultincllc.workers.dev/mcp
Lane PC (investor property) or BC (business capital). Returns program TYPES with plain descriptions and typical ranges from categorical answers plus optional rounded figures. An estimated match, never an offer. PC answers: deal (purchase|refinance|purchase_rehab), occupancy (investment|owner), owner (entity|individual), propertyType (1-4|5-20|mixed), experience (0|1-2|3-5|6+), exit (sell|dscr|unsure), optional purchasePrice, rehabBudget, afterRepairValue. BC answers: timeInBusiness (<1|1-2|2-5|5+), nsf (0|1-3|4+), openPositions (no|yes), use (inventory|equipment|payroll|expansion|refinance|other), optional monthlyDeposits, amount.
| Argument | Type | Description |
|---|---|---|
| lane* | string | |
| answers* | object |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"lane",
"answers"
],
"properties": {
"lane": {
"enum": [
"PC",
"BC"
],
"type": "string"
},
"answers": {
"type": "object",
"propertyNames": {
"type": "string",
"maxLength": 30
},
"additionalProperties": {
"anyOf": [
{
"type": "string",
"maxLength": 20
},
{
"type": "number"
}
]
}
}
}
}Named lenders and programs for an industry, optionally filtered by state and product and ranked cheapest-suitable first for the bands given. Returns institution, program, products, geography, broker path, submission channel and the source URL. Not an offer; lenders decide.
| Argument | Type | Description |
|---|---|---|
| limit | integer | Default 10. |
| state | string | Two-letter US state code (e.g. NY). |
| product | string | Product type wanted. |
| industry* | string | Industry in a few words (e.g. "restaurants", "trucking", "dental practice"). No company names. |
| amount_band | string | |
| citizenship | string | SBA requires 100% US-citizen ownership since 2026-03-01. |
| credit_band | string | Owner personal credit band. |
| time_in_business_band | string |
For one industry: ease tier (A–D), products that fit, lenders that serve or restrict it, SBA eligibility, specialty programs, the best first route, the dignity fallback when everything declines, and research white space.
| Argument | Type | Description |
|---|---|---|
| state | string | Two-letter US state code (e.g. NY). |
| industry* | string | Industry in a few words (e.g. "restaurants", "trucking", "dental practice"). No company names. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"industry"
],
"properties": {
"state": {
"type": "string",
"maxLength": 20,
"minLength": 2,
"description": "Two-letter US state code (e.g. NY)."
},
"industry": {
"type": "string",
"maxLength": 60,
"minLength": 2,
"description": "Industry in a few words (e.g. \"restaurants\", \"trucking\", \"dental practice\"). No company names."
}
}
}The full public record for a program id returned by find_lenders, or every program of one institution by name.
| Argument | Type | Description |
|---|---|---|
| id | string | Program id from find_lenders. |
| institution | string | Institution name, if no id. |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"id": {
"type": "string",
"pattern": "^[a-z0-9-]{3,130}$",
"description": "Program id from find_lenders."
},
"institution": {
"type": "string",
"maxLength": 80,
"minLength": 2,
"description": "Institution name, if no id."
}
}
}Approval rate, funded rate and median days to decision per lender, from reported outcomes, by program, institution, industry or state. A cell is shown only with 5 or more outcomes, or when you reported into it. Counts of decisions, not predictions.
| Argument | Type | Description |
|---|---|---|
| state | string | Two-letter US state code (e.g. NY). |
| industry | string | Industry in a few words (e.g. "restaurants", "trucking", "dental practice"). No company names. |
| program_id | string | |
| institution | string | |
| reporter_key | string |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"properties": {
"state": {
"type": "string",
"maxLength": 20,
"minLength": 2,
"description": "Two-letter US state code (e.g. NY)."
},
"industry": {
"type": "string",
"maxLength": 60,
"minLength": 2,
"description": "Industry in a few words (e.g. \"restaurants\", \"trucking\", \"dental practice\"). No company names."
},
"program_id": {
"type": "string",
"pattern": "^[a-z0-9-]{3,130}$"
},
"institution": {
"type": "string",
"maxLength": 80,
"minLength": 2
},
"reporter_key": {
"type": "string",
"pattern": "^[A-Za-z0-9_-]+$",
"maxLength": 64,
"minLength": 8
}
}
}The decline-with-dignity waterfall: given why a business was declined (and optional profile bands), the next rungs to try, cheapest for the owner first, down to free nonprofit credit counseling. Never a dead end.
| Argument | Type | Description |
|---|---|---|
| state | string | Two-letter US state code (e.g. NY). |
| industry | string | Industry in a few words (e.g. "restaurants", "trucking", "dental practice"). No company names. |
| citizenship | string | |
| credit_band | string | |
| revenue_band | string | |
| decline_reason* | string | |
| time_in_business_band | string |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"decline_reason"
],
"properties": {
"state": {
"type": "string",
"maxLength": 20,
"minLength": 2,
"description": "Two-letter US state code (e.g. NY)."
},
"industry": {
"type": "string",
"maxLength": 60,
"minLength": 2,
"description": "Industry in a few words (e.g. \"restaurants\", \"trucking\", \"dental practice\"). No company names."
},
"citizenship": {
"enum": [
"all_owners_us_citizens",
"non_citizen_owner",
"unknown"
],
"type": "string"
},
"credit_band": {
"enum": [
"<600",
"600-659",
"660-719",
"720+",
"unknown"
],
"type": "string"
},
"revenue_band": {
"enum": [
"<10k",
"10k-25k",
"25k-100k",
"100k+"
],
"type": "string"
},
"decline_reason": {
"enum": [
"low_personal_credit",
"no_business_or_consumer_need",
"debt_load",
"under_6_months_in_business",
"low_revenue",
"no_collateral",
"too_many_existing_advances",
"sba_quality_declined",
"individual_borrower_real_estate",
"investor_declined_credit_floor",
"deal_too_big",
"large_liquid_portfolio",
"wealth_no_loan_need",
"non_citizen_owner",
"other"
],
"type": "string"
},
"time_in_business_band": {
"enum": [
"<1y",
"1-2y",
"2-5y",
"5y+"
],
"type": "string"
}
}
}Add one submission outcome to the shared outcome graph: which lender, what kind of file (bands), and the decision. No names, amounts or identifiers. Reporting unlocks lender_stats for the cells you report into (give-to-get). Pass the same reporter_key (or X-AllClear-Key header) each time.
| Argument | Type | Description |
|---|---|---|
| state | string | Two-letter US state code (e.g. NY). |
| product | string | |
| decision* | string | |
| industry | string | Industry in a few words (e.g. "restaurants", "trucking", "dental practice"). No company names. |
| program_id | string | |
| amount_band | string | |
| citizenship | string | |
| credit_band | string | |
| institution | string | Lender name as it appears in the directory, if no program_id. |
| reporter_key | string |
What a broker needs in a state, by lane (investor real estate, consumer, working capital, SBA, cards): status, the rule, the gate, open counsel questions and sources. Researched: NY, CT, NJ, PA, MA, FL; other states return the general notes. Research notes, not legal advice.
| Argument | Type | Description |
|---|---|---|
| state* | string | Two-letter US state code (e.g. NY). |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"state"
],
"properties": {
"state": {
"type": "string",
"maxLength": 20,
"minLength": 2,
"description": "Two-letter US state code (e.g. NY)."
}
}
}We read every tool's name, description and inputs the way the model will, looking for instructions hidden from you. A clean result means no warning signs, not a guarantee. Scanned Nov 4, 2026.
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"industry"
],
"properties": {
"limit": {
"type": "integer",
"maximum": 25,
"minimum": 1,
"description": "Default 10."
},
"state": {
"type": "string",
"maxLength": 20,
"minLength": 2,
"description": "Two-letter US state code (e.g. NY)."
},
"product": {
"enum": [
"sba",
"term_loan",
"line_of_credit",
"equipment",
"revenue_based_advance",
"real_estate",
"factoring",
"acquisition",
"startup",
"credit_card",
"other"
],
"type": "string",
"description": "Product type wanted."
},
"industry": {
"type": "string",
"maxLength": 60,
"minLength": 2,
"description": "Industry in a few words (e.g. \"restaurants\", \"trucking\", \"dental practice\"). No company names."
},
"amount_band": {
"enum": [
"<25k",
"25k-100k",
"100k-250k",
"250k-1m",
"1m+"
],
"type": "string"
},
"citizenship": {
"enum": [
"all_owners_us_citizens",
"non_citizen_owner",
"unknown"
],
"type": "string",
"description": "SBA requires 100% US-citizen ownership since 2026-03-01."
},
"credit_band": {
"enum": [
"<600",
"600-659",
"660-719",
"720+",
"unknown"
],
"type": "string",
"description": "Owner personal credit band."
},
"time_in_business_band": {
"enum": [
"<1y",
"1-2y",
"2-5y",
"5y+"
],
"type": "string"
}
}
}| Your own opaque key; stored hashed. |
| revenue_band | string |
| days_to_decision | integer |
| decline_reason_code | string |
| time_in_business_band | string |
{
"type": "object",
"$schema": "http://json-schema.org/draft-07/schema#",
"required": [
"decision"
],
"properties": {
"state": {
"type": "string",
"maxLength": 20,
"minLength": 2,
"description": "Two-letter US state code (e.g. NY)."
},
"product": {
"enum": [
"sba",
"term_loan",
"line_of_credit",
"equipment",
"revenue_based_advance",
"real_estate",
"factoring",
"acquisition",
"startup",
"credit_card",
"other"
],
"type": "string"
},
"decision": {
"enum": [
"submitted",
"approved",
"declined",
"funded",
"withdrawn",
"no_response"
],
"type": "string"
},
"industry": {
"type": "string",
"maxLength": 60,
"minLength": 2,
"description": "Industry in a few words (e.g. \"restaurants\", \"trucking\", \"dental practice\"). No company names."
},
"program_id": {
"type": "string",
"pattern": "^[a-z0-9-]{3,130}$"
},
"amount_band": {
"enum": [
"<25k",
"25k-100k",
"100k-250k",
"250k-1m",
"1m+"
],
"type": "string"
},
"citizenship": {
"enum": [
"all_owners_us_citizens",
"non_citizen_owner",
"unknown"
],
"type": "string"
},
"credit_band": {
"enum": [
"<600",
"600-659",
"660-719",
"720+",
"unknown"
],
"type": "string"
},
"institution": {
"type": "string",
"maxLength": 80,
"minLength": 2,
"description": "Lender name as it appears in the directory, if no program_id."
},
"reporter_key": {
"type": "string",
"pattern": "^[A-Za-z0-9_-]+$",
"maxLength": 64,
"minLength": 8,
"description": "Your own opaque key; stored hashed."
},
"revenue_band": {
"enum": [
"<10k",
"10k-25k",
"25k-100k",
"100k+"
],
"type": "string"
},
"days_to_decision": {
"type": "integer",
"maximum": 365,
"minimum": 0
},
"decline_reason_code": {
"enum": [
"credit_score",
"time_in_business",
"revenue",
"industry",
"state",
"collateral",
"existing_positions",
"documentation",
"citizenship",
"other"
],
"type": "string"
},
"time_in_business_band": {
"enum": [
"<1y",
"1-2y",
"2-5y",
"5y+"
],
"type": "string"
}
}
}