FactorRoute: invoice factoring rules, math and rates

Connect Remote server

claude mcp add --transport http factorroute-com https://factorroute.com/mcp

{
  "mcpServers": {
    "factorroute-com": {
      "url": "https://factorroute.com/mcp"
    }
  }
}

{
  "servers": {
    "factorroute-com": {
      "type": "http",
      "url": "https://factorroute.com/mcp"
    }
  }
}

Settings > Connectors > Add custom connector
URL: https://factorroute.com/mcp

Tools 10 found in our last check

• get_state_factoring_rules

  Everything FactorRoute has verified about invoice factoring in one US state or DC: commercial financing disclosure law (status, threshold, citation, whether it covers factoring, APR, registration), where UCC liens are filed and searched, how fast state agencies must pay vendors…

• list_disclosure_law_states

  Every US state whose commercial financing disclosure law is in effect or enacted, with dollar threshold, effective date, citation, whether it reaches factoring (accounts receivable purchase) transactions, whether an APR is required, and any provider registration. Use for "which…

• check_disclosure_requirement

  For a business in a given state and a deal size in dollars, says whether that state's commercial financing disclosure law likely applies to an invoice factoring deal, based on the law's status, threshold and whether it covers accounts receivable purchases. Coverage also depends…

• estimate_factoring_cost

  Cost of factoring one invoice (or one month of invoices): cash advanced, fees, rebate, cost as a percent of the invoice and the effective annual rate on the cash actually received, next to a bank line. Same math as FactorRoute's factoring cost calculator. Fee is a flat rate per…

• compare_mca_vs_factoring

  Estimated APR of a merchant cash advance from its funded amount, factor rate, fees and term, next to the cost of raising the same cash by factoring invoices. Same math as FactorRoute's MCA vs. factoring tool (IRR of the payment schedule, the method state disclosure rules use to…

• check_factoring_fit

  A first-pass fit check, the same logic as FactorRoute's "Do I qualify?" tool: who pays the invoices, industry, monthly invoicing, facility size, days to pay, the situation (bank declined, MCA refinance, switching factors...) and existing liens. Returns the likely funding route (…

• get_benchmark_rates

  Today's bank prime loan rate (Federal Reserve H.15), SOFR and 30-day average SOFR (New York Fed) and the fed funds target range, with as-of dates and sources. These price prime-plus factoring and asset-based lines; most flat factoring fees do not move with them.

• prompt_payment_interest

  Interest a federal agency owes on a late invoice under the Prompt Payment Act at the current Treasury rate (simple daily interest, added to principal every 30 days), or, for a state, the state's prompt payment rule with the interest at a rate you supply. Use for government contr…

• define_factoring_term

  Plain-English definition of an invoice factoring, AR finance, MCA, SBA, UCC, construction or government contracting term (advance rate, recourse, notification, reserve, UCC-1, assignment of claims, retainage, intercreditor...).

• search_factoring_guides

  Find FactorRoute's guides, situation pages, industry pages, state pages and tools for a question (e.g. "line of credit called", "factor buyout", "staffing payroll", "tax lien", "government contractor"), with each page's short answer and URL.

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