# Duneland Financial acquisition financing tools (remote · dunelandfinancial.com)

Model a business acquisition: affordability, DSCR, capital stack, loan, seller note, SBA screen.

- Trust score: 71/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `dunelandfinancial.com`: 71/100 (this document), [markdown](https://verifymcp.io/servers/io-rekord-duneland-financial/api-mcp.md), [page](https://verifymcp.io/servers/io-rekord-duneland-financial/api-mcp)

## Channel facts

- Endpoint: `https://dunelandfinancial.com/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**: 58/100
  - AI-judged instruction clarity (excellent).
  - Context-footprint check failed: tool/resource definitions use about 2348 tokens (~391/item across 6 items; 6 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 3/100
  - Stability observed for 1 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 (100% 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 6 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 7 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the Duneland Financial acquisition financing tools MCP server?

Duneland Financial acquisition financing tools is a hosted endpoint at https://dunelandfinancial.com/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 io-rekord-duneland-financial 'https://dunelandfinancial.com/api/mcp/'
```

### Cursor

```json
{
  "mcpServers": {
    "io-rekord-duneland-financial": {
      "url": "https://dunelandfinancial.com/api/mcp/"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "io-rekord-duneland-financial": {
      "type": "http",
      "url": "https://dunelandfinancial.com/api/mcp/"
    }
  }
}
```

### Codex

```toml
[mcp_servers.io-rekord-duneland-financial]
url = "https://dunelandfinancial.com/api/mcp/"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "io-rekord-duneland-financial": {
      "type": "remote",
      "url": "https://dunelandfinancial.com/api/mcp/",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add io-rekord-duneland-financial --url 'https://dunelandfinancial.com/api/mcp/' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  io-rekord-duneland-financial:
    url: "https://dunelandfinancial.com/api/mcp/"
```

### Netclaw

```json
{
  "McpServers": {
    "io-rekord-duneland-financial": {
      "Transport": "http",
      "Url": "https://dunelandfinancial.com/api/mcp/"
    }
  }
}
```

### Vellum

```bash
assistant mcp add io-rekord-duneland-financial -t streamable-http -u 'https://dunelandfinancial.com/api/mcp/'
```

### Other

```json
{
  "mcpServers": {
    "io-rekord-duneland-financial": {
      "type": "http",
      "url": "https://dunelandfinancial.com/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 71, +1)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-04 (score 70)

First indexed and scored.

## MCP tools (6)

### `check_deal_affordability` (~413 tokens)

Check deal affordability

Test whether a business acquisition supports its debt. Takes the purchase price, the seller's stated earnings, the buyer's equity share and loan terms; returns the cash flow after a market salary and capex, the senior loan, the annual debt service, the debt service coverage ratio (DSCR) against an initial-acquisition reference of 1.25 and an illustrative conventional reference of 1.50. These do not determine eligibility or approval. Use this first when the user has a price and earnings. Illustrative, not a commitment.

Input parameters:

- `addBacksRejected` (number): Add-backs the buyer cannot document. Deducted from earnings. In US dollars.
- `capexAllowance` (number): Annual maintenance capital spending. Deducted from earnings. In US dollars.
- `equityPercent` (number): Buyer equity as a percentage of the purchase price. Default 20.
- `existingDebtService` (number): Annual payments on debt the business keeps after closing. In US dollars.
- `interestRate` (number): Senior loan rate. Annual rate in percentage points. 9.25 means 9.25%.
- `loanTermYears` (number): Senior loan term. In years.
- `ownerMarketSalary` (number): What it costs to pay someone to run the business. Deducted from earnings. In US dollars.
- `purchasePrice` (number, required): The purchase price. In US dollars.
- `reportedEarnings` (number, required): The seller's stated SDE or EBITDA, before any haircut. In US dollars.
- `sellerNoteAmount` (number): Seller note principal, if any. In US dollars.
- `sellerNoteRate` (number): Seller note rate. Annual rate in percentage points. 9.25 means 9.25%.
- `sellerNoteStandby` (boolean): True when the seller note is on full standby until the senior loan is repaid.
- `sellerNoteTermYears` (number): Seller note term. In years.

Output parameters:

- `band`
- `calculatorUrl` (string)
- `cashFlowForDebtService` (number)
- `disclaimer` (string)
- `dscr` (number|null)
- `equityAmount` (number)
- `maturityObligations` (number)
- `notes` (array)
- `sellerNoteAnnualService` (number)
- `seniorAnnualService` (number)
- `seniorLoanAmount` (number)
- `thresholds` (object)
- `totalAnnualService` (number)
- `worstYearDscr` (number|null)

### `build_capital_stack` (~572 tokens)

Build a capital stack

Lay out sources and uses for a business acquisition and solve the senior loan as the remainder. Takes the price, working capital, closing costs, buyer and other equity, a seller note with its terms, senior loan terms and annual cash flow; returns the funding gap, each source as a share of total uses, the first-year debt service, the coverage by year and a cash-flow sensitivity. Use when the user asks how the whole purchase gets funded.

Input parameters:

- `annualCashFlow` (number, required): Annual cash flow available for debt service. In US dollars.
- `buyerEquity` (number, required): Buyer cash going into the deal. In US dollars.
- `cashAvailable` (number): Buyer cash on hand, to warn when the equity spends the reserve. In US dollars.
- `closingCosts` (number): Closing costs funded at close. In US dollars.
- `debtPayoff` (number): Existing debt of the target retired at close. In US dollars.
- `liquidityReserve` (number): Cash the buyer intends to keep back. In US dollars.
- `otherEquity` (number): Equity from anyone else: a partner, an investor, a rollover. In US dollars.
- `purchasePrice` (number, required): The purchase price. In US dollars.
- `retainedAnnualService` (number): Annual payments on debt the business keeps after closing. In US dollars.
- `sellerAmortYears` (number): Seller note amortization. Longer than the maturity leaves a balloon. In years.
- `sellerNote` (number): Seller note principal. In US dollars.
- `sellerRate` (number): Seller note rate. Annual rate in percentage points. 9.25 means 9.25%.
- `sellerStandbyInterest` (string): What happens to interest during standby months. "none": no interest accrues. "accrue-simple": interest accrues and is due at maturity. "capitalize-monthly": interest is added to principal each month.
- `sellerStandbyMonths` (integer): Months at the start of the seller note with no payment.
- `sellerTermYears` (number): Seller note maturity. In years.
- `seniorAmortYears` (number): Senior loan amortization. In years.
- `seniorAmount` (number): A fixed senior loan amount. Omit to solve the senior loan as the remainder. In US dollars.
- `seniorRate` (number): Senior loan rate. Annual rate in percentage points. 9.25 means 9.25%.
- `seniorTermYears` (number): Senior loan maturity. In years.
- `targetDscr` (number): A coverage target to compare against, such as 1.25.
- `workingCapital` (number): Working capital funded at close, beyond anything in the price. In US dollars.

Output parameters:

- `calculatorUrl` (string)
- `coverage` (object)
- `disclaimer` (string)
- `firstYearDebtService` (number)
- `fundingGap` (number)
- `overfunded` (number)
- `seller` (object)
- `senior` (object)
- `seniorLoan` (number)
- `sensitivity` (array)
- `shares`
- `totalSources` (number)
- `totalUses` (number)
- `warnings` (array)

### `model_acquisition_loan` (~204 tokens)

Model an acquisition loan

Compute the payment and amortization of a senior acquisition loan. Takes the principal, the rate, the term and the amortization period, with an optional annual cash flow for a coverage check; returns the monthly payment, first-year debt service, total interest, any balloon at maturity and the DSCR when cash flow is given. Use when the user asks what a loan of a given size costs each month or year.

Input parameters:

- `amortizationYears` (number): Years the payment amortizes over. Longer than the term leaves a balloon. Defaults to the term. In years.
- `annualCashFlow` (number): Annual cash flow available for debt service, for a coverage check. In US dollars.
- `loanAmount` (number, required): Loan principal. In US dollars.
- `rate` (number): Annual interest rate. Annual rate in percentage points. 9.25 means 9.25%.
- `termYears` (number): Years to maturity. In years.

Output parameters:

- `calculatorUrl` (string)
- `coverage`
- `disclaimer` (string)
- `principal` (number)
- `schedule` (object)
- `warnings` (array)

### `model_seller_note` (~335 tokens)

Model a seller note

Model seller financing in a business acquisition: amortizing or interest-only, with optional standby months and interest treatment. Returns the monthly payment, the first full amortizing year of service, the balloon due at maturity, total interest, the share of the price the note carries and coverage when cash flow is given. Use when the user asks what a seller note costs or what is owed at the end.

Input parameters:

- `amortizationYears` (number): Years the payment amortizes over. Ignored when interest-only. Defaults to the maturity. In years.
- `annualCashFlow` (number): Annual cash flow available for debt service, for a coverage check. In US dollars.
- `existingAnnualService` (number): Annual service on other debt, such as the senior loan, for the coverage check. In US dollars.
- `maturityYears` (number): Years to maturity. In years.
- `noteAmount` (number, required): Seller note principal. In US dollars.
- `noteRate` (number): Note rate. Annual rate in percentage points. 9.25 means 9.25%.
- `purchasePrice` (number): The purchase price, for the share the note carries. In US dollars.
- `repayment` (string): Amortizing payments, or interest only with principal due at maturity.
- `standbyInterest` (string): What happens to interest during standby months. "none": no interest accrues. "accrue-simple": interest accrues and is due at maturity. "capitalize-monthly": interest is added to principal each month.
- `standbyMonths` (integer): Months at the start with no payment.

Output parameters:

- `calculatorUrl` (string)
- `coverage`
- `disclaimer` (string)
- `firstFullAmortizingYearService` (number|null)
- `maturityObligation` (number)
- `schedule` (object)
- `shareOfPrice` (number|null)
- `warnings` (array)

### `normalize_sde_valuation` (~294 tokens)

Normalize SDE and value the business

Normalize a seller's earnings into seller's discretionary earnings (SDE), itemizing each add-back with a conservative case alongside, then bridge to cash flow available for debt service and apply a multiple range the user supplies. Returns claimed SDE, conservative SDE, excluded double-counted adjustments, cash flow for debt service and the value range. Use when the user asks what the earnings are or what the business is worth on them. The tool does not supply industry multiples.

Input parameters:

- `adjustments` (array): The add-backs and deductions claimed.
- `baseEarnings` (number, required): The base earnings figure, in US dollars. May be negative.
- `basis` (string): What the base earnings figure is. Add-backs already inside the basis are refused.
- `cashTaxes` (number): Cash taxes the buyer will pay. Bridge deduction. In US dollars.
- `highMultiple` (number): High SDE multiple the user supplies, such as 3.5.
- `lowMultiple` (number): Low SDE multiple the user supplies, such as 2.5.
- `maintenanceCapex` (number): Annual maintenance capital spending. Bridge deduction. In US dollars.
- `replacementManagement` (number): Market cost of a manager to replace the owner. Bridge deduction. In US dollars.
- `workingCapitalIncrease` (number): Annual working capital the business absorbs. Bridge deduction. In US dollars.

Output parameters:

- `baseEarnings` (number)
- `calculatorUrl` (string)
- `cashFlowForDebtService` (number|null)
- `claimedSde` (number)
- `conservativeSde` (number)
- `disclaimer` (string)
- `excluded` (array)
- `unresolvedBridge` (array)
- `valueRange`
- `warnings` (array)

### `screen_sba_eligibility` (~404 tokens)

Screen baseline SBA 7(a) eligibility

Screen a business acquisition against baseline SBA 7(a) requirements: ownership citizenship, loan size, for-profit US operation, size standard, change of ownership, existing SBA debt, equity injection, seller note standby and credit elsewhere. Returns each rule as pass, review or constraint, with its source and verification status. This is a screen, not an eligibility finding: most rules route to review, and no answer produces "eligible". Use when the user asks whether an SBA loan is an option.

Input parameters:

- `change-of-ownership` (string): Is this a complete change of ownership — the buyer acquiring 100% of the business? Leave out when the user has not said.
- `citizenship` (string): Is every individual owner, direct or indirect, a US citizen or US national with their principal residence in the United States, its territories or possessions? Leave out when the user has not said.
- `credit-elsewhere` (string): Could the buyer obtain this financing on reasonable terms without an SBA guaranty? Leave out when the user has not said.
- `equity-injection` (string): Is the required equity injection available as the buyer’s own cash? Leave out when the user has not said.
- `existing-sba-debt` (string): Does the buyer, or any affiliate, already have an SBA loan outstanding? Leave out when the user has not said.
- `for-profit-us` (string): Is the target an operating, for-profit business located in the United States? Leave out when the user has not said.
- `loan-amount` (number): How much 7(a) principal would you be requesting? In US dollars.
- `seller-note-standby` (string): Does the structure rely on a seller note counting toward the equity injection? Leave out when the user has not said.
- `size-standard` (string): Does the target meet the SBA size standard for its industry? Leave out when the user has not said.

Output parameters:

- `calculatorUrl` (string)
- `disclaimer` (string)
- `headline` (string)
- `informationalRuleCount` (number)
- `outcome` (string)
- `rules` (array)
- `verifiedRuleCount` (number)

## Diagnostics

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

## Score history

- 2026-11-05: 71
- 2026-11-04: 70

## Common questions

### What is the Duneland Financial acquisition financing tools MCP server?

Duneland Financial acquisition financing tools is an MCP server listed in the public MCP registry as io.rekord/duneland-financial. Model a business acquisition: affordability, DSCR, capital stack, loan, seller note, SBA screen. This page covers its hosted endpoint (https://dunelandfinancial.com/api/mcp/).

### Is the Duneland Financial acquisition financing tools MCP server safe to use?

Duneland Financial acquisition financing tools scores 71 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 Duneland Financial acquisition financing tools MCP server expose?

Duneland Financial acquisition financing tools exposes 6 tools: check_deal_affordability, build_capital_stack, model_acquisition_loan, model_seller_note, normalize_sde_valuation, screen_sba_eligibility. Their descriptions and schemas cost roughly 2,222 tokens of context every time the server is loaded.

### Does the Duneland Financial acquisition financing tools MCP server require authentication?

No. We connected to Duneland Financial acquisition financing tools without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the Duneland Financial acquisition financing tools MCP server still maintained?

Duneland Financial acquisition financing tools 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://dunelandfinancial.com/api/mcp/
- Website: https://dunelandfinancial.com/tools/assistants/
- Changelog RSS feed: https://verifymcp.io/servers/io-rekord-duneland-financial/api-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/io-rekord-duneland-financial/api-mcp.json
- HTML version of this page: https://verifymcp.io/servers/io-rekord-duneland-financial/api-mcp