# AllClear Lending (remote · fundingos.consultincllc.workers.dev)

US lenders by industry and state, state brokering rules, and the next-best option after a decline.

- Trust score: 67/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `fundingos.consultincllc.workers.dev`: 67/100 (this document), [markdown](https://verifymcp.io/servers/lunarpenguin214-allclear-lending/fundingos.md), [page](https://verifymcp.io/servers/lunarpenguin214-allclear-lending/fundingos)

## Channel facts

- Endpoint: `https://fundingos.consultincllc.workers.dev/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `0.1.1`

## 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**: 63/100
  - 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 enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - 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**: 80/100
  - 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 1558 tokens (~97/item across 16 items; 8 tools + 8 resources), lean.
  - 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**: 82/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 46% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 8 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 10 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 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.

### Claude

```bash
claude mcp add --transport http lunarpenguin214-allclear-lending 'https://fundingos.consultincllc.workers.dev/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "lunarpenguin214-allclear-lending": {
      "url": "https://fundingos.consultincllc.workers.dev/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "lunarpenguin214-allclear-lending": {
      "type": "http",
      "url": "https://fundingos.consultincllc.workers.dev/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.lunarpenguin214-allclear-lending]
url = "https://fundingos.consultincllc.workers.dev/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "lunarpenguin214-allclear-lending": {
      "type": "remote",
      "url": "https://fundingos.consultincllc.workers.dev/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add lunarpenguin214-allclear-lending --url 'https://fundingos.consultincllc.workers.dev/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  lunarpenguin214-allclear-lending:
    url: "https://fundingos.consultincllc.workers.dev/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "lunarpenguin214-allclear-lending": {
      "Transport": "http",
      "Url": "https://fundingos.consultincllc.workers.dev/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add lunarpenguin214-allclear-lending -t streamable-http -u 'https://fundingos.consultincllc.workers.dev/mcp'
```

### Other

```json
{
  "mcpServers": {
    "lunarpenguin214-allclear-lending": {
      "type": "http",
      "url": "https://fundingos.consultincllc.workers.dev/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 67, +1)

- [security] 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
- [functional improvement] Stability: unverified → 0.03

### 2026-11-04 (score 66)

First indexed and scored.

## MCP tools (8)

### `find_lenders` (~183 tokens)

Find lenders by industry and state

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.

Input parameters:

- `amount_band` (string)
- `citizenship` (string): SBA requires 100% US-citizen ownership since 2026-03-01.
- `credit_band` (string): Owner personal credit band.
- `industry` (string, required): 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)

### `lender_program` (~57 tokens)

One lender program in full

The full public record for a program id returned by find_lenders, or every program of one institution by name.

Input parameters:

- `id` (string): Program id from find_lenders.
- `institution` (string): Institution name, if no id.

### `industry_overview` (~102 tokens)

Industry lending overview

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.

Input parameters:

- `industry` (string, required): Industry in a few words (e.g. "restaurants", "trucking", "dental practice"). No company names.
- `state` (string): Two-letter US state code (e.g. NY).

### `estimate_match` (~200 tokens)

Estimated match: which program types fit

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.

Input parameters:

- `answers` (object, required)
- `lane` (string, required)

### `state_rules` (~93 tokens)

State brokering rules by lane

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.

Input parameters:

- `state` (string, required): Two-letter US state code (e.g. NY).

### `next_best_option` (~143 tokens)

Next-best option after a decline

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.

Input parameters:

- `citizenship` (string)
- `credit_band` (string)
- `decline_reason` (string, required)
- `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)

### `report_outcome` (~270 tokens)

Report a lender decision (bands only)

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.

Input parameters:

- `amount_band` (string)
- `citizenship` (string)
- `credit_band` (string)
- `days_to_decision` (integer)
- `decision` (string, required)
- `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)

### `lender_stats` (~131 tokens)

Lender outcome statistics (k-anonymous)

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.

Input parameters:

- `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).

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/lunarpenguin214-allclear-lending/fundingos#diagnostics

## Score history

- 2026-11-05: 67
- 2026-11-04: 66

## Common questions

### 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.

## Links

- Remote endpoint: https://fundingos.consultincllc.workers.dev/mcp
- Website: https://fundingos.consultincllc.workers.dev/agents
- Changelog RSS feed: https://verifymcp.io/servers/lunarpenguin214-allclear-lending/fundingos.xml
- Changelog JSON feed: https://verifymcp.io/servers/lunarpenguin214-allclear-lending/fundingos.json
- HTML version of this page: https://verifymcp.io/servers/lunarpenguin214-allclear-lending/fundingos