{
  "name": "factorroute",
  "title": "FactorRoute: invoice factoring rules, math and rates",
  "description": "Free, read-only MCP server for US invoice factoring questions. State-by-state rules for all 50 states and DC (commercial financing disclosure laws, UCC filing offices, state prompt payment deadlines and interest, mechanics lien and payment bond rules), a disclosure-law check for a given state and deal size, factoring cost and MCA-vs-factoring math, a factoring fit check, federal Prompt Payment Act interest, live prime and SOFR, a glossary and guide search. Every answer links to the FactorRoute page it came from. General information, not legal or financial advice. No authentication.",
  "registryDescription": "US invoice factoring: state disclosure laws, UCC, prompt pay, liens, cost math, live prime and SOFR.",
  "version": "1.0.0",
  "url": "https://factorroute.com/mcp",
  "transport": {
    "type": "streamable-http",
    "url": "https://factorroute.com/mcp"
  },
  "remotes": [
    {
      "type": "streamable-http",
      "url": "https://factorroute.com/mcp"
    }
  ],
  "authentication": {
    "type": "none",
    "required": false
  },
  "protocolVersions": [
    "2026-07-28",
    "2025-11-25",
    "2025-06-18",
    "2025-03-26",
    "2024-11-05"
  ],
  "capabilities": {
    "tools": {
      "listChanged": false
    }
  },
  "tools": [
    {
      "name": "get_state_factoring_rules",
      "title": "State factoring rules",
      "description": "Everything FactorRoute has verified about invoice factoring in one US state or DC: commercial financing disclosure law (status, threshold, citation, whether it covers factoring, APR, registration), where UCC liens are filed and searched, how fast state agencies must pay vendors and the late-payment interest, private construction prompt pay, mechanics lien and payment bond deadlines, the main industries and payers, and sources. Use for \"is factoring regulated in X\", \"where do I search UCC liens in X\", \"how long does X state take to pay contractors\".",
      "readOnly": true
    },
    {
      "name": "list_disclosure_law_states",
      "title": "States with commercial financing disclosure laws",
      "description": "Every US state whose commercial financing disclosure law is in effect or enacted, with dollar threshold, effective date, citation, whether it reaches factoring (accounts receivable purchase) transactions, whether an APR is required, and any provider registration. Use for \"which states regulate factoring\" or \"which states require disclosures on business loans and MCAs\".",
      "readOnly": true
    },
    {
      "name": "check_disclosure_requirement",
      "title": "Does this factoring deal need a state disclosure?",
      "description": "For a business in a given state and a deal size in dollars, says whether that state's commercial financing disclosure law likely applies to an invoice factoring deal, based on the law's status, threshold and whether it covers accounts receivable purchases. Coverage also depends on exemptions (banks, low-volume providers) and on where the business is located, so treat it as a first check.",
      "readOnly": true
    },
    {
      "name": "estimate_factoring_cost",
      "title": "Factoring cost and effective annual rate",
      "description": "Cost of factoring one invoice (or one month of invoices): cash advanced, fees, rebate, cost as a percent of the invoice and the effective annual rate on the cash actually received, next to a bank line. Same math as FactorRoute's factoring cost calculator. Fee is a flat rate per 30 days billed in blocks of increment_days (30, 15, 10 or 1 for daily proration).",
      "readOnly": true
    },
    {
      "name": "compare_mca_vs_factoring",
      "title": "Merchant cash advance vs. factoring",
      "description": "Estimated APR of a merchant cash advance from its funded amount, factor rate, fees and term, next to the cost of raising the same cash by factoring invoices. Same math as FactorRoute's MCA vs. factoring tool (IRR of the payment schedule, the method state disclosure rules use to estimate APR).",
      "readOnly": true
    },
    {
      "name": "check_factoring_fit",
      "title": "Does this business fit invoice factoring?",
      "description": "A first-pass fit check, the same logic as FactorRoute's \"Do I qualify?\" tool: who pays the invoices, industry, monthly invoicing, facility size, days to pay, the situation (bank declined, MCA refinance, switching factors...) and existing liens. Returns the likely funding route (express to $500K, direct to $3MM, network placement $3MM to $25MM, specialty or outside), why, what to expect and the documents to gather.",
      "readOnly": true
    },
    {
      "name": "get_benchmark_rates",
      "title": "Prime, SOFR and fed funds today",
      "description": "Today's bank prime loan rate (Federal Reserve H.15), SOFR and 30-day average SOFR (New York Fed) and the fed funds target range, with as-of dates and sources. These price prime-plus factoring and asset-based lines; most flat factoring fees do not move with them.",
      "readOnly": true
    },
    {
      "name": "prompt_payment_interest",
      "title": "Interest owed on a late government invoice",
      "description": "Interest a federal agency owes on a late invoice under the Prompt Payment Act at the current Treasury rate (simple daily interest, added to principal every 30 days), or, for a state, the state's prompt payment rule with the interest at a rate you supply. Use for government contractors waiting on agency payments.",
      "readOnly": true
    },
    {
      "name": "define_factoring_term",
      "title": "Factoring glossary",
      "description": "Plain-English definition of an invoice factoring, AR finance, MCA, SBA, UCC, construction or government contracting term (advance rate, recourse, notification, reserve, UCC-1, assignment of claims, retainage, intercreditor...).",
      "readOnly": true
    },
    {
      "name": "search_factoring_guides",
      "title": "Search FactorRoute guides",
      "description": "Find FactorRoute's guides, situation pages, industry pages, state pages and tools for a question (e.g. \"line of credit called\", \"factor buyout\", \"staffing payroll\", \"tax lien\", \"government contractor\"), with each page's short answer and URL.",
      "readOnly": true
    }
  ],
  "documentation": "https://factorroute.com/developers/",
  "websiteUrl": "https://factorroute.com/developers/",
  "publisher": {
    "name": "FactorRoute (Janover Capital LLC)",
    "url": "https://factorroute.com/",
    "contact": "hello@factorroute.com"
  },
  "privacyPolicy": "https://factorroute.com/privacy/",
  "termsOfService": "https://factorroute.com/terms/",
  "license": "State rules dataset: CC BY 4.0, credit \"Data: FactorRoute (factorroute.com)\" with a link. Rates: Federal Reserve and New York Fed, under their terms.",
  "icon": "https://factorroute.com/icon-512.png"
}