AllClear Lending
REMOTE · FUNDINGOS.CONSULTINCLLC.WORKERS.DEV
US lenders by industry and state, state brokering rules, and the next-best option after a decline.
Available components
Last scanned (42 minutes ago)
Scores higher than 53% of remote servers
Reachable. Last reached 5 Nov 2026.
Category Finance and Payments
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. How we score → Why this is hard to score →
Endpoint Security63
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement. View diagnostics → Unverified
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability80
- 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).Pass
- AI-judged instruction clarity (good).Pass
- Tool/resource definitions use about 1558 tokens (~97/item across 16 items; 8 tools + 8 resources), lean.Pass
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management3
- Stability observed for 1 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage82
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 46% of tool parameters carry a description.Partial
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 8 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 10 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 5 Nov 26 +1
- The server rewrote its instructions, which are the text every model session reads security
- Tool “lender_stats” rewrote its description, which is the text the model reads security
- Tool “report_outcome” rewrote its description, which is the text the model reads security
- Stability: unverified → 0.03 ▲ functional
- 4 Nov 26 66
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 5 Nov 2026 · Probed https://fundingos.consultincllc.workers.dev/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=consultincllc.workers.dev | CN=YE2,O=Let's Encrypt,C=US | 24 Sept 2026 | 23 Dec 2026 | ECDSA 256 | ECDSA-SHA384 | 6ec0c25dec63ca38f51985eec044dd46f20 |
| SANs: *.consultincllc.workers.dev, consultincllc.workers.dev | ||||||
| CN=YE2,O=Let's Encrypt,C=US (CA) | CN=Root YE,O=ISRG,C=US | 3 Sept 2025 | 2 Sept 2028 | ECDSA 384 | ECDSA-SHA384 | 4df3b15dd6c0784c507cd37b58e6f115 |
| CN=Root YE,O=ISRG,C=US (CA) | CN=ISRG Root X2,O=Internet Security Research Group,C=US | 13 May 2026 | 2 Sept 2032 | ECDSA 384 | ECDSA-SHA384 | 872165fc34b6e5fba8add5b3705fb53a |
| CN=ISRG Root X2,O=Internet Security Research Group,C=US (CA) | CN=ISRG Root X1,O=Internet Security Research Group,C=US | 13 May 2026 | 2 Sept 2032 | ECDSA 384 | SHA256-RSA | 6c8f1dc727c7117f7baf853ac980f9cd |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of fundingos.consultincllc.workers.dev. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| dev. | present | 60074 | 8 | Verified |
| workers.dev. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
| Header | Value |
|---|---|
| x-content-type-options | nosniff |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://fundingos.consultincllc.workers.dev/mcp | Verified | 200 | |
| http (plaintext) | http://fundingos.consultincllc.workers.dev/mcp | Inconclusive | 405 |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
estimate_match Estimated match: which program types fit ~200
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.
| Name | Type | Req | Description |
|---|---|---|---|
| answers | object | yes | – |
| lane | string | yes | – |
No output schema declared.
No examples provided.
find_lenders Find lenders by industry and state ~183
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.
| Name | Type | Req | Description |
|---|---|---|---|
| amount_band | string | – | – |
| citizenship | string | – | SBA requires 100% US-citizen ownership since 2026-03-01. |
| credit_band | string | – | Owner personal credit band. |
| industry | string | yes | Industry in a few words (e.g. "restaurants", "trucking", "dental practice"). No company names. |
| limit | integer | – | Default 10. |
| product | string | – | Product type wanted. |
| state | string | – | Two-letter US state code (e.g. NY). |
| time_in_business_band | string | – | – |
No output schema declared.
No examples provided.
industry_overview Industry lending overview ~102
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.
| Name | Type | Req | Description |
|---|---|---|---|
| industry | string | yes | Industry in a few words (e.g. "restaurants", "trucking", "dental practice"). No company names. |
| state | string | – | Two-letter US state code (e.g. NY). |
No output schema declared.
No examples provided.
lender_program One lender program in full ~57
The full public record for a program id returned by find_lenders, or every program of one institution by name.
| Name | Type | Req | Description |
|---|---|---|---|
| id | string | – | Program id from find_lenders. |
| institution | string | – | Institution name, if no id. |
No output schema declared.
No examples provided.
lender_stats Lender outcome statistics (k-anonymous) ~131
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 when outcomes from 5 or more distinct other reporters are in it. Counts of decisions, not predictions.
| Name | Type | Req | Description |
|---|---|---|---|
| industry | string | – | Industry in a few words (e.g. "restaurants", "trucking", "dental practice"). No company names. |
| institution | string | – | – |
| program_id | string | – | – |
| reporter_key | string | – | – |
| state | string | – | Two-letter US state code (e.g. NY). |
No output schema declared.
No examples provided.
next_best_option Next-best option after a decline ~143
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.
| Name | Type | Req | Description |
|---|---|---|---|
| citizenship | string | – | – |
| credit_band | string | – | – |
| decline_reason | string | yes | – |
| industry | string | – | Industry in a few words (e.g. "restaurants", "trucking", "dental practice"). No company names. |
| revenue_band | string | – | – |
| state | string | – | Two-letter US state code (e.g. NY). |
| time_in_business_band | string | – | – |
No output schema declared.
No examples provided.
report_outcome Report a lender decision (bands only) ~270
Add one submission outcome to the shared outcome graph: which lender, what kind of file (bands), and the decision. No names, amounts or identifiers. Reports feed lender_stats, where a cell opens once outcomes from 5 distinct other reporters are in it; your own reports never count toward the 5, so no one can isolate another reporter’s outcome. Pass the same reporter_key (or X-AllClear-Key header) each time so your reports count as one reporter.
| Name | Type | Req | Description |
|---|---|---|---|
| amount_band | string | – | – |
| citizenship | string | – | – |
| credit_band | string | – | – |
| days_to_decision | integer | – | – |
| decision | string | yes | – |
| decline_reason_code | string | – | – |
| industry | string | – | Industry in a few words (e.g. "restaurants", "trucking", "dental practice"). No company names. |
| institution | string | – | Lender name as it appears in the directory, if no program_id. |
| product | string | – | – |
| program_id | string | – | – |
| reporter_key | string | – | Your own opaque key; stored hashed. |
| revenue_band | string | – | – |
| state | string | – | Two-letter US state code (e.g. NY). |
| time_in_business_band | string | – | – |
No output schema declared.
No examples provided.
state_rules State brokering rules by lane ~93
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.
| Name | Type | Req | Description |
|---|---|---|---|
| state | string | yes | Two-letter US state code (e.g. NY). |
No output schema declared.
No examples provided.
How do I install the AllClear Lending MCP server?
AllClear Lending is a hosted endpoint at https://fundingos.consultincllc.workers.dev/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.
remote · fundingos.consultincllc.workers.dev
claude mcp add --transport http lunarpenguin214-allclear-lending 'https://fundingos.consultincllc.workers.dev/mcp'
What is the AllClear Lending MCP server?
AllClear Lending is an MCP server listed in the public MCP registry as io.github.lunarpenguin214/allclear-lending. US lenders by industry and state, state brokering rules, and the next-best option after a decline. This page covers its hosted endpoint (https://fundingos.consultincllc.workers.dev/mcp).
Is the AllClear Lending MCP server safe to use?
AllClear Lending scores 67 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 AllClear Lending MCP server expose?
AllClear Lending exposes 8 tools: find_lenders, lender_program, industry_overview, estimate_match, state_rules, and 3 more. Their descriptions and schemas cost roughly 1,179 tokens of context every time the server is loaded.
Does the AllClear Lending MCP server require authentication?
No. We connected to AllClear Lending without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the AllClear Lending MCP server still maintained?
AllClear Lending 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.