Switchboard Finance
REMOTE · API.SWITCHBOARDFINANCE.COM.AU
Australian business loans: ATO debt, caveat, equipment, property. Check fit, then a broker calls.
Available components
Last scanned (10 hours ago)
Scores higher than 82% of remote servers
Reachable. Last reached 17 Oct 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 Security71
- 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 check failed: the endpoint is reachable over plaintext HTTP. See how to fix → View diagnostics → Fail
- The HSTS (Strict-Transport-Security) header is present. View diagnostics → Pass
- DNSSEC is configured correctly; the domain's records validate against the full chain to the root. View diagnostics → Pass
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability83
- 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).Pass
- AI-judged instruction clarity (excellent).Pass
- Context-footprint check failed: tool/resource definitions use about 1090 tokens (~136/item across 8 items; 5 tools + 3 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management53
- Stability observed for 16 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage99
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 96% of tool parameters carry a description.Partial
- Structured output schemas are declared (100% of tools); any adoption earns full credit.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- All 1 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation.Pass
- An AI judge read all 7 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a current MCP spec version (2026-07-28).Pass
- Supports UI / widget rendering.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.
- 17 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 50 to 53. That category is still filling its 30-day observation window: 15 days of observed history at the previous scan, 16 at this one. The score rises as the window fills, whether or not the server changes.
- 15 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 43 to 47. That category is still filling its 30-day observation window: 13 days of observed history at the previous scan, 14 at this one. The score rises as the window fills, whether or not the server changes.
- 13 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 37 to 40. That category is still filling its 30-day observation window: 11 days of observed history at the previous scan, 12 at this one. The score rises as the window fills, whether or not the server changes.
- 12 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 30 to 37. That category is still filling its 30-day observation window: 9 days of observed history at the previous scan, 11 at this one. The score rises as the window fills, whether or not the server changes.
- 10 Oct 26 +2
No change was recorded against any check on this day. Stability & Change Management went from 10 to 30. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 9 at this one. The score rises as the window fills, whether or not the server changes.
- 4 Oct 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.
- 2 Oct 26 +1
- Stability: unverified → 0.03 ▲ functional
- Server version: 2.0.4 → 2.0.5 functional
- 1 Oct 26 71
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 17 Oct 2026 · Probed https://api.switchboardfinance.com.au/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=switchboardfinance.com.au | CN=WE1,O=Google Trust Services,C=US | 1 Oct 2026 | 30 Dec 2026 | ECDSA 256 | ECDSA-SHA256 | 91cf6d7427c2163d13f653f5b1c34168 |
| SANs: switchboardfinance.com.au, api.switchboardfinance.com.au, *.api.switchboardfinance.com.au | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC secure
Validation of api.switchboardfinance.com.au. — Secure
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| au. | present | 26642 | 8 | Verified |
| com.au. | present | 14185 | 8 | Verified |
| switchboardfinance.com.au. | present | 2371 | 13 | Verified |
| api.switchboardfinance.com.au. | Verified address RRset verified with the apex keys |
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 |
|---|---|
| strict-transport-security | max-age=63072000; includeSubDomains |
| x-content-type-options | nosniff |
| x-frame-options | DENY |
| referrer-policy | no-referrer |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://api.switchboardfinance.com.au/mcp | Verified | 200 | |
| http (plaintext) | http://api.switchboardfinance.com.au/mcp | Served over HTTP | 200 |
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 →
check_fit Check business finance fit ~367
Checks whether an Australian business owner's finance need is something Switchboard Finance, a licensed finance broker, can help with, and which finance types fit. Covers ATO or tax debt, bank declines, caveat and second mortgages, private and commercial property loans, development, equipment and vehicles, invoice finance, overdrafts, bad credit and going-concern businesses such as motels. With amount, property value, timing and trading history it also checks loan size, LVR and time to fund against observed ranges, and returns documents usually needed, deal-breakers and an expected callback time. Example: {"purpose":"clear a $180k ATO debt this week","security":"warehouse worth $1.2M, $400k owing","amount":180000,"property_value":1200000,"existing_debt":400000}. General information, not a credit decision or advice.
| Name | Type | Req | Description |
|---|---|---|---|
| amount | number | – | Amount needed in AUD |
| borrower_type | string | – | company, trust, sole trader or partnership |
| business_purpose | boolean | – | True if the funds are for a business purpose (false means personal or household) |
| existing_debt | number | – | Amount already owed against that property, AUD |
| needed_within_days | integer | – | How soon the funds are needed, in days |
| property_value | number | – | Value of any property offered as security, AUD |
| purpose | string | – | What the money is for, in the owner's words |
| security | string | – | Property, vehicle, equipment, or none |
| situation | string | – | Anything else relevant: ATO debt, declined by a bank, urgency, credit issues, low doc |
| trading_months | integer | – | How long the ABN has been trading, in months |
| Name | Type | Req | Description |
|---|---|---|---|
| as_of | string | – | – |
| contact | object | – | – |
| disclosure | string | – | – |
| error | string | – | – |
| fit | string | – | – |
| is_credit_decision | boolean | – | – |
| lanes | array | – | – |
| licensee | object | – | – |
| matrix_page | string | – | – |
| method | string | – | – |
| next_review | string | – | – |
| next_step | object | – | – |
| problems | array | – | – |
| questions_to_sharpen | array | – | – |
| reason | string | – | – |
No examples provided.
fetch Fetch a Switchboard document ~63
Returns the full text of one Switchboard Finance document by its id, with its source URL for citation. Example: {"id":"lane:caveat"}.
| Name | Type | Req | Description |
|---|---|---|---|
| id | string | yes | Document id from search, e.g. lane:caveat or about:switchboard |
| Name | Type | Req | Description |
|---|---|---|---|
| error | string | – | – |
| id | string | – | – |
| metadata | object | – | – |
| problems | array | – | – |
| text | string | – | – |
| title | string | – | – |
| url | string | – | – |
No examples provided.
list_products List business finance types ~112
Lists the types of business finance Switchboard Finance arranges for self-employed Australians and ABN holders, with observed loan sizes, time to fund, maximum LVR and rate ranges across its lender panel. Pass lane for one type's full criteria (security, LVR, trading history, ATO position, deal-breakers, documents, pricing, term). Example: {"lane":"caveat"}. Category-level only; no lender is named.
| Name | Type | Req | Description |
|---|---|---|---|
| lane | string | – | Optional finance type id for full criteria |
| Name | Type | Req | Description |
|---|---|---|---|
| as_of | string | – | – |
| contact | object | – | – |
| detail_hint | string | – | – |
| disclosure | string | – | – |
| error | string | – | – |
| lane | object | – | – |
| lanes | array | – | – |
| licensee | object | – | – |
| matrix_page | string | – | – |
| method | string | – | – |
| next_review | string | – | – |
| problems | array | – | – |
No examples provided.
request_callback Request a broker callback ~351
Sends a business owner's finance enquiry to a licensed Switchboard Finance broker, who contacts them by phone, SMS and email. Requires consent: true, meaning the person has agreed to this wording: "I agree to Switchboard Finance contacting me about this enquiry by phone, SMS and email, including follow-up emails I can unsubscribe from at any time." Returns a reference number and the expected contact time. Nothing is applied for and no credit check is run. Retries with the same idempotency_key return the original reference instead of creating a second enquiry.
| Name | Type | Req | Description |
|---|---|---|---|
| abn | string | – | 11-digit ABN, optional |
| agent_name | string | – | Name of the assistant submitting, e.g. ChatGPT, Claude |
| amount | number | – | Amount needed in AUD, optional |
| business_name | string | – | – |
| business_purpose | boolean | – | True if the funds are for a business purpose |
| consent | boolean | yes | True only if the person agreed to the consent wording in this tool's description |
| consent_method | string | – | How consent was given (default user_confirmed_in_chat) |
| string | yes | Email address | |
| idempotency_key | string | – | Optional unique key (8-128 chars) so a retry does not create a duplicate enquiry |
| name | string | yes | The person's name |
| notice_shown | boolean | – | True if the collection notice from check_fit (next_step.collection_notice) was shown to the person |
| phone | string | yes | Australian phone number, e.g. 0412 345 678 |
| scenario | string | yes | The finance need in the owner's words: purpose, rough amount, timing |
| Name | Type | Req | Description |
|---|---|---|---|
| consent | object | – | – |
| duplicate | boolean | – | – |
| enquiry_id | string | – | – |
| error | string | – | – |
| expected_contact | object | – | – |
| privacy_policy | string | – | – |
| problems | array | – | – |
| received | boolean | – | – |
| reference | string | – | – |
| response_time | string | – | – |
| status | string | – | – |
| what_happens_next | string | – | – |
No examples provided.
search Search Switchboard finance information ~59
Searches Switchboard Finance's published information on Australian business finance types, criteria and licensing. Returns ids, titles and source URLs for citation. Example: {"query":"second mortgage LVR for a trust"}.
| Name | Type | Req | Description |
|---|---|---|---|
| query | string | yes | What to look up |
| Name | Type | Req | Description |
|---|---|---|---|
| error | string | – | – |
| problems | array | – | – |
| results | array | – | – |
No examples provided.
How do I install the Switchboard Finance MCP server?
Switchboard Finance is a hosted endpoint at https://api.switchboardfinance.com.au/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 · api.switchboardfinance.com.au
claude mcp add --transport http nicklim123-switchboard-finance 'https://api.switchboardfinance.com.au/mcp'
What is the Switchboard Finance MCP server?
Switchboard Finance is an MCP server listed in the public MCP registry as io.github.Nicklim123/switchboard-finance. Australian business loans: ATO debt, caveat, equipment, property. Check fit, then a broker calls. This page covers its hosted endpoint (https://api.switchboardfinance.com.au/mcp).
Is the Switchboard Finance MCP server safe to use?
Switchboard Finance scores 79 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 Switchboard Finance MCP server expose?
Switchboard Finance exposes 5 tools: check_fit, list_products, request_callback, search, fetch. Their descriptions and schemas cost roughly 952 tokens of context every time the server is loaded.
Does the Switchboard Finance MCP server require authentication?
No. We connected to Switchboard Finance without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the Switchboard Finance MCP server still maintained?
Switchboard Finance is still listed as active in the MCP registry. We last reached this channel on 17 October 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.