# Switchboard Finance (remote · api.switchboardfinance.com.au)

Australian business loans: ATO debt, caveat, equipment, property. Check fit, then a broker calls.

- Trust score: 79/100 (medium)
- Change this week: +4
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-10-17

## Components

- remote · `api.switchboardfinance.com.au`: 79/100 (this document), [markdown](https://verifymcp.io/servers/nicklim123-switchboard-finance/api.md), [page](https://verifymcp.io/servers/nicklim123-switchboard-finance/api)

## Channel facts

- Endpoint: `https://api.switchboardfinance.com.au/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `2.0.3`

## 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 2026-10-17.

- **Endpoint Security**: 71/100
  - 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 check failed: the endpoint is reachable over plaintext HTTP.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC is configured correctly; the domain's records validate against the full chain to the root.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 83/100
  - 100% of prompts and resources have a non-trivial description (not blank, and not just the item's name).
  - AI-judged instruction clarity (excellent).
  - 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.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 53/100
  - Stability observed for 16 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 99/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 96% 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.
  - All 1 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation.
  - 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 current MCP spec version (2026-07-28).
  - Supports UI / widget rendering.

## Install

### 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.

### Claude

```bash
claude mcp add --transport http nicklim123-switchboard-finance 'https://api.switchboardfinance.com.au/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "nicklim123-switchboard-finance": {
      "url": "https://api.switchboardfinance.com.au/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "nicklim123-switchboard-finance": {
      "type": "http",
      "url": "https://api.switchboardfinance.com.au/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.nicklim123-switchboard-finance]
url = "https://api.switchboardfinance.com.au/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "nicklim123-switchboard-finance": {
      "type": "remote",
      "url": "https://api.switchboardfinance.com.au/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add nicklim123-switchboard-finance --url 'https://api.switchboardfinance.com.au/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  nicklim123-switchboard-finance:
    url: "https://api.switchboardfinance.com.au/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "nicklim123-switchboard-finance": {
      "Transport": "http",
      "Url": "https://api.switchboardfinance.com.au/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add nicklim123-switchboard-finance -t streamable-http -u 'https://api.switchboardfinance.com.au/mcp'
```

### Other

```json
{
  "mcpServers": {
    "nicklim123-switchboard-finance": {
      "type": "http",
      "url": "https://api.switchboardfinance.com.au/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.

### 2026-10-17 (score 79, +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.

### 2026-10-15 (score 78, +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.

### 2026-10-13 (score 77, +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.

### 2026-10-12 (score 76, +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.

### 2026-10-10 (score 75, +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.

### 2026-10-04 (score 73, +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.

### 2026-10-02 (score 72, +1)

- [functional improvement] Stability: unverified → 0.03
- [functional] Server version: 2.0.4 → 2.0.5

### 2026-10-01 (score 71)

First indexed and scored.

## MCP tools (5)

### `check_fit` (~367 tokens)

Check business finance fit

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.

Input parameters:

- `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

Output parameters:

- `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)

### `list_products` (~112 tokens)

List business finance types

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.

Input parameters:

- `lane` (string): Optional finance type id for full criteria

Output parameters:

- `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)

### `request_callback` (~351 tokens)

Request a broker callback

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.

Input parameters:

- `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, required): 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)
- `email` (string, required): Email address
- `idempotency_key` (string): Optional unique key (8-128 chars) so a retry does not create a duplicate enquiry
- `name` (string, required): 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, required): Australian phone number, e.g. 0412 345 678
- `scenario` (string, required): The finance need in the owner's words: purpose, rough amount, timing

Output parameters:

- `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)

### `search` (~59 tokens)

Search Switchboard finance information

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"}.

Input parameters:

- `query` (string, required): What to look up

Output parameters:

- `error` (string)
- `problems` (array)
- `results` (array)

### `fetch` (~63 tokens)

Fetch a Switchboard document

Returns the full text of one Switchboard Finance document by its id, with its source URL for citation. Example: {"id":"lane:caveat"}.

Input parameters:

- `id` (string, required): Document id from search, e.g. lane:caveat or about:switchboard

Output parameters:

- `error` (string)
- `id` (string)
- `metadata` (object)
- `problems` (array)
- `text` (string)
- `title` (string)
- `url` (string)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/nicklim123-switchboard-finance/api#diagnostics

## Score history

- 2026-10-17: 79
- 2026-10-16: 78
- 2026-10-15: 78
- 2026-10-14: 77
- 2026-10-13: 77
- 2026-10-12: 76
- 2026-10-10: 75
- 2026-10-04: 73
- 2026-10-03: 72
- 2026-10-02: 72
- 2026-10-01: 71

## Common questions

### 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.

## Links

- Remote endpoint: https://api.switchboardfinance.com.au/mcp
- Repository: https://github.com/Nicklim123/switchboard-finance-mcp
- Website: https://www.switchboardfinance.com.au/
- Changelog RSS feed: https://verifymcp.io/servers/nicklim123-switchboard-finance/api.xml
- Changelog JSON feed: https://verifymcp.io/servers/nicklim123-switchboard-finance/api.json
- HTML version of this page: https://verifymcp.io/servers/nicklim123-switchboard-finance/api