SBA Express Loans

Connect Remote server

claude mcp add --transport http sbaexpress-loans https://www.sbaexpress.loans/api/sba-express/mcp

{
  "mcpServers": {
    "sbaexpress-loans": {
      "url": "https://www.sbaexpress.loans/api/sba-express/mcp"
    }
  }
}

{
  "servers": {
    "sbaexpress-loans": {
      "type": "http",
      "url": "https://www.sbaexpress.loans/api/sba-express/mcp"
    }
  }
}

Settings > Connectors > Add custom connector
URL: https://www.sbaexpress.loans/api/sba-express/mcp

Tools 20 found in our last check

• get_program_terms

  SBA Express program rules: maximum loan, SBA guaranty, rate caps by loan size, line of credit rules, FY2027 guaranty fees and exceptions, with sources.

• get_max_rates_today

  Today's maximum variable interest rate for SBA Express (and 7(a)) loans by loan size: live WSJ Prime plus SBA's capped spread. Optionally pass an amount to get the cap for that loan.

• estimate_guaranty_fee

  SBA upfront guaranty fee for an SBA Express or standard 7(a) loan under the FY2027 schedule, with exceptions.

• estimate_payment

  Level monthly payment and total interest for a fully amortizing loan. Also returns today's SBA Express rate cap for the amount.

• get_program_statistics

  SBA Express loans by fiscal year, loan sizes, borrower types, industries, rates at approval and charge-offs, from SBA's loan-level file.

• list_lenders

  Lenders ranked by number of SBA Express loans in the most recent fiscal years. Pass a state to get the most active lenders there.

• get_lender

  A lender's SBA Express lending record: loan count, sizes, line of credit share, top states. Matches on lender name.

• get_state

  SBA Express loan count, dollars, median loan, top lenders and top industries for one state.

• find_similar_loans

  Median loan, rate at approval, spread over Prime, term and the most active lenders on SBA loans approved to businesses like this one in recent fiscal years. Give a 6-digit NAICS code or industry words, plus optional state, amount and business age. If that group is too thin, it s…

• find_lenders

  Lenders that made SBA 7(a) loans in a state in recent fiscal years, filtered to a loan size and NAICS sector and ranked by loans in that slice. Past SBA approvals, not any lender's current credit policy.

• check_eligibility

  Screens a business against SBA's published eligibility rules: operating and for-profit, located in the U.S., size standard, ownership and citizenship, ineligible business types (13 CFR 120.110), prior federal loss and delinquent federal debt. Unanswered rules come back as open q…

• size_standard

  The SBA small-business size standard for a NAICS code, from 13 CFR 121.201, with exceptions and footnotes. Also gives the alternative size standard for 7(a) loans. Search by words if the code is unknown; pass receipts or employees to compare against the limit.

• calculate_business_loan_payment

  Monthly payment, total interest and APR (with fees) on a fully amortizing business loan, beside the payment at SBA's maximum rate for the size. Returns a link that opens the calculator with the same figures.

• calculate_mca_true_cost

  Turns a merchant cash advance's factor rate and payment schedule into total payback, dollar cost and APR, and shows how the APR moves if it is repaid faster or slower. An estimate from the inputs, not a quote.

• calculate_invoice_factoring_cost

  Cash up front, fees, the reserve paid back and the APR on the cash received when an invoice is factored, from the advance rate, the fee schedule and the days until the customer pays.

• compare_equipment_lease_or_buy

  Compares buying equipment with a loan against leasing it, in today's dollars, and gives the lease's implied rate and the resale value at which buying wins.

• calculate_debt_service_coverage

  Debt service coverage before and after a new loan, and the largest loan the cash flow carries at a target ratio. Cash flow is net income plus interest, taxes, depreciation and amortization, and adjustments. A calculation only: a lender sets its own minimum.

• check_line_of_credit_structure

  Tests whether an SBA Express revolving line's draw period and total maturity fit SBA's rules, then gives the interest-only payment during the draw, the term-out payment and the step-up between them.

• check_sba_refinance

  Works through SBA's refinancing rules (SOP 50 10 8.1, Appendix 14) for one debt. Call it with no inputs to get the first questions and their option values; each answer comes back with the rule and its citation, plus the questions still open. A rule screen, not a lender's decisio…

• get_financing_link

  Link where a small business owner can send an SBA Express loan request. It is not a loan application. The request is routed to lending partners, who may pay Janover Capital LLC a referral fee. The owner pays nothing.

Details

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