# FundingTracker (remote · fundingtracker.app)

MCA calculators (factor rate to APR, payoff, cash-flow impact), public funder directory and guides.

- Trust score: 77/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `fundingtracker.app`: 77/100 (this document), [markdown](https://verifymcp.io/servers/app-fundingtracker-fundingtracker/api-mcp.md), [page](https://verifymcp.io/servers/app-fundingtracker-fundingtracker/api-mcp)

## Channel facts

- Endpoint: `https://fundingtracker.app/api/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 80/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 68/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 1937 tokens (~161/item across 12 items; 12 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 33/100
  - Stability observed for 10 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
  - Structured output schemas are declared (25% of tools); any adoption earns full credit.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 12 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 13 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### How do I install the FundingTracker MCP server?

FundingTracker is a hosted endpoint at https://fundingtracker.app/api/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http app-fundingtracker-fundingtracker 'https://fundingtracker.app/api/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "app-fundingtracker-fundingtracker": {
      "url": "https://fundingtracker.app/api/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "app-fundingtracker-fundingtracker": {
      "type": "http",
      "url": "https://fundingtracker.app/api/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.app-fundingtracker-fundingtracker]
url = "https://fundingtracker.app/api/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "app-fundingtracker-fundingtracker": {
      "type": "remote",
      "url": "https://fundingtracker.app/api/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add app-fundingtracker-fundingtracker --url 'https://fundingtracker.app/api/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  app-fundingtracker-fundingtracker:
    url: "https://fundingtracker.app/api/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "app-fundingtracker-fundingtracker": {
      "Transport": "http",
      "Url": "https://fundingtracker.app/api/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add app-fundingtracker-fundingtracker -t streamable-http -u 'https://fundingtracker.app/api/mcp'
```

### Other

```json
{
  "mcpServers": {
    "app-fundingtracker-fundingtracker": {
      "type": "http",
      "url": "https://fundingtracker.app/api/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-05 (score 77, +1)

No change was recorded against any check on this day. Stability & Change Management went from 30 to 33. That category is still filling its 30-day observation window: 9 days of observed history at the previous scan, 10 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 76, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-31 (score 75, +1)

No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-30 (score 74, 0)

- [security] The server rewrote its instructions, which are the text every model session reads
- [security] Tool “about_fundingtracker” rewrote its description, which is the text the model reads
- [security] Tool “get_funder” rewrote its description, which is the text the model reads
- [security] Tool “search_funders” rewrote its description, which is the text the model reads
- [functional regression] Schema quality: 136 → 161
- [functional regression] Tool coverage: 38% → 25%
- [functional] Schema quality: good → excellent
- [functional] New tool “get_my_deal”
- [functional] New tool “list_my_alerts”
- [functional] New tool “list_my_deals”
- [functional] New tool “request_funder_listing”
- [cosmetic] “search_funders” added an optional parameter “min_max_deal”
- [cosmetic] “search_funders” added an optional parameter “payments”
- [cosmetic] “search_funders” added an optional parameter “works_with_isos”

### 2026-10-28 (score 74, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-27 (score 73, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-26 (score 73)

First indexed and scored.

## MCP tools (12)

### `calculate_mca_apr` (~186 tokens)

MCA factor rate to APR

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 parameters:

- `advance` (number, required): Funded advance amount in USD, e.g. 50000.
- `factor_rate` (number, required): Factor rate, e.g. 1.35 (total payback = advance x factor rate). Between 1.0 and 2.0.
- `payment_frequency` (string): Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'.
- `term_months` (integer, required): Repayment term in months (1-24), e.g. 6.

Output parameters:

- `advance` (number)
- `calculator_url` (string)
- `cost_of_capital` (number)
- `effective_apr_percent` (number)
- `factor_rate` (number)
- `learn_more_url` (string)
- `method` (string)
- `number_of_payments` (number)
- `payment_amount` (number)
- `payment_frequency` (string)
- `term_months` (number)
- `total_payback` (number)

### `estimate_mca_payoff` (~207 tokens)

MCA payoff estimate

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 parameters:

- `advance` (number, required): Funded advance amount in USD, e.g. 50000.
- `amount_paid` (number): Total already repaid in USD. Defaults to 0.
- `as_of_date` (string): Date to project from (YYYY-MM-DD). Defaults to today (UTC).
- `factor_rate` (number, required): Factor rate, e.g. 1.35 (total payback = advance x factor rate). Between 1.0 and 2.0.
- `payment_amount` (number, required): The daily or weekly payment amount in USD, e.g. 450.
- `payment_frequency` (string): Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'.

Output parameters:

- `advance` (number)
- `amount_paid` (number)
- `as_of_date` (string)
- `calculator_url` (string)
- `calendar_days_left` (number)
- `estimated_payoff_date` (string)
- `factor_rate` (number)
- `learn_more_url` (string)
- `note` (string)
- `payment_amount` (number)
- `payment_frequency` (string)
- `payments_left` (number)
- `percent_paid` (number)
- `remaining_balance` (number)
- `total_payback` (number)

### `mca_payment_impact` (~132 tokens)

MCA payment cash-flow impact

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 parameters:

- `average_daily_revenue` (number, required): Average daily revenue (sales deposits) in USD, e.g. 2000.
- `payment_amount` (number, required): The daily or weekly MCA payment in USD, e.g. 450.
- `payment_frequency` (string): Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'.

Output parameters:

- `average_daily_revenue` (number)
- `calculator_url` (string)
- `daily_equivalent_payment` (number)
- `learn_more_url` (string)
- `monthly_outflow` (number)
- `payment_amount` (number)
- `payment_frequency` (string)
- `percent_of_daily_revenue` (number)
- `risk_level` (string)
- `risk_summary` (string)
- `thresholds` (object)
- `weekly_outflow` (number)

### `search_funders` (~277 tokens)

Search the funder directory

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). Filter by min_max_deal (largest deal at least this many USD), payments (daily, weekly or monthly) and works_with_isos. Returns each funder's slug, profile link, merchant review rating and its listed facts: type (direct funder or broker), max deal, payment schedules, ISO brokers and states.

Input parameters:

- `financing_type` (string): Filter by financing type, e.g. 'MCA', 'Term Loan', 'SBA Loan', 'Line of Credit'.
- `limit` (integer): Maximum results (1-50, default 20).
- `min_max_deal` (number): Only funders whose max deal is at least this many USD, e.g. 250000. Funders that haven't listed a max deal are left out.
- `payments` (string): Only funders offering this payment schedule: 'daily', 'weekly' or 'monthly'.
- `query` (string): Words to match in the funder name or description. Omit to list the directory.
- `works_with_isos` (boolean): true: only funders that work with ISO brokers; false: only those that don't.

### `get_funder` (~96 tokens)

Get a funder profile

Get one funder's public profile from the FundingTracker directory by slug: financing type, description, website, its listed facts (type, max deal, payment schedules, ISO brokers, states), average merchant rating, review count and the most recent public reviews.

Input parameters:

- `slug` (string, required): Funder slug from search_funders (e.g. 'apex-funding-group-llc') or its fundingtracker.app/funders URL.

### `request_funder_listing` (~357 tokens)

Request a funder directory listing

Ask FundingTracker to list a funding company (direct funder, ISO/broker or other) in its public funder directory, or to update the facts of a company already listed: max deal, payment schedules, whether it works with ISO brokers, and states served. No sign-in needed; use it only for a company the user represents. FundingTracker emails a confirmation link to contact_email, which should be at the company website's domain (another domain gets a closer review). Nothing is published until that link is opened and FundingTracker approves the listing. Returns the request status, e.g. waiting for email confirmation. One open request per website; rate-limited.

Input parameters:

- `company` (string, required): Company name as it should appear in the directory, e.g. 'Biz Capital Miami'.
- `contact_email` (string, required): Work email at the company's own domain. A confirmation link is sent here; an email at another domain gets a closer review.
- `contact_name` (string, required): Name of the person requesting the listing.
- `max_deal` (number): Largest deal funded, in USD, e.g. 250000.
- `payments` (array): Payment schedules offered: any of 'daily', 'weekly', 'monthly'.
- `states`: U.S. states served: 'all' for nationwide, or two-letter codes like ['FL', 'GA', 'TX'].
- `type` (string): 'direct_funder' (funds deals from its own capital), 'broker' (ISO/broker) or 'other'.
- `website` (string, required): Company website, e.g. 'bizcapitalmiami.com'.
- `works_with_isos` (boolean): Whether the company works with ISO brokers.

### `search_mca_guides` (~107 tokens)

Search MCA guides

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 parameters:

- `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.

### `get_mca_guide` (~74 tokens)

Read an MCA guide

Return the full text of one FundingTracker MCA guide as markdown, with its canonical URL, key takeaways, sections, checklist and FAQs.

Input parameters:

- `slug` (string, required): Guide slug from search_mca_guides (e.g. 'what-is-a-factor-rate-merchant-cash-advance') or its URL.

### `about_fundingtracker` (~41 tokens)

About FundingTracker

What FundingTracker.app is, who it is for, what it tracks, how bank data and contracts are handled, and links to its key public pages.

### `list_my_deals` (~80 tokens)

List my deals

List the signed-in user's deals in FundingTracker (merchant cash advances, loans, lines of credit): funder, financing type, amounts, amount paid, remaining balance, payment amount and frequency, and projected payoff date. Requires signing in to FundingTracker.

Input parameters:

- `include_closed` (boolean): Also list closed (paid off or bought out) deals.

### `get_my_deal` (~70 tokens)

Get one of my deals

Get one of the signed-in user's deals by id (from list_my_deals): its contract terms, balance, projected payoff and recent recorded payments, including bank debits matched to it. Requires signing in to FundingTracker.

Input parameters:

- `deal_id` (string, required): Deal id from list_my_deals.

### `list_my_alerts` (~68 tokens)

List my alerts

List the alerts FundingTracker recently sent the signed-in user, such as missed payments, extra or unexpected debits, upcoming payment reminders and payoff milestones, newest first. Requires signing in to FundingTracker.

Input parameters:

- `days` (integer): How many days back to look, 1-90.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/app-fundingtracker-fundingtracker/api-mcp#diagnostics

## Score history

- 2026-11-05: 77
- 2026-11-04: 76
- 2026-11-03: 76
- 2026-11-02: 75
- 2026-11-01: 75
- 2026-10-31: 75
- 2026-10-30: 74
- 2026-10-29: 74
- 2026-10-28: 74
- 2026-10-27: 73
- 2026-10-26: 73

## Common questions

### What is the FundingTracker MCP server?

FundingTracker is an MCP server listed in the public MCP registry as app.fundingtracker/fundingtracker. MCA calculators (factor rate to APR, payoff, cash-flow impact), public funder directory and guides. This page covers its hosted endpoint (https://fundingtracker.app/api/mcp).

### Is the FundingTracker MCP server safe to use?

FundingTracker scores 77 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the FundingTracker MCP server expose?

FundingTracker exposes 12 tools: calculate_mca_apr, estimate_mca_payoff, mca_payment_impact, search_funders, get_funder, and 7 more. Their descriptions and schemas cost roughly 1,695 tokens of context every time the server is loaded.

### Does the FundingTracker MCP server require authentication?

No. We connected to FundingTracker without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the FundingTracker MCP server still maintained?

FundingTracker is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://fundingtracker.app/api/mcp
- Website: https://fundingtracker.app/
- Changelog RSS feed: https://verifymcp.io/servers/app-fundingtracker-fundingtracker/api-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/app-fundingtracker-fundingtracker/api-mcp.json
- HTML version of this page: https://verifymcp.io/servers/app-fundingtracker-fundingtracker/api-mcp