FactorRoute MCP server for AI assistants

Add it to your AI assistant

Server URL (Streamable HTTP, no key, read-only):

https://factorroute.com/mcp

Claude (claude.ai and the desktop app): Settings, then Connectors, then Add custom connector. Paste the URL and save. No sign-in is needed.
ChatGPT: Settings, then Apps and Connectors. Turn on Developer mode under Advanced, choose Create, paste the URL and set authentication to none.
Grok: grok.com, then Connectors, then New connector, then Custom. Paste the URL.
Perplexity: Settings, then Connectors, then Add custom connector, then MCP. Paste the URL and choose no authentication.
Mistral Le Chat: Intelligence, then Connectors, then Add connector, then Custom MCP connector. Paste the URL.

Claude Code:

claude mcp add --transport http factorroute https://factorroute.com/mcp

Cursor (~/.cursor/mcp.json) and other clients that read mcpServers:

{
  "mcpServers": {
    "factorroute": {
      "url": "https://factorroute.com/mcp"
    }
  }
}

VS Code (.vscode/mcp.json):

{
  "servers": {
    "factorroute": {
      "type": "http",
      "url": "https://factorroute.com/mcp"
    }
  }
}

Gemini CLI (~/.gemini/settings.json):

{
  "mcpServers": {
    "factorroute": {
      "httpUrl": "https://factorroute.com/mcp"
    }
  }
}

Menu names change as the apps update. If a step has moved, look for "connectors" or "MCP" in the app's settings.

Tools

Tool	What it returns	Try asking
`get_state_factoring_rules`	Everything verified for one state or DC: disclosure law, UCC office and search link, state prompt pay, construction lien and bond rules, payers, sources.	Is invoice factoring regulated in Texas? Where do I search UCC liens there?
`list_disclosure_law_states`	Every state with a commercial financing disclosure law, with thresholds, dates, APR and registration.	Which states require disclosures on factoring deals?
`check_disclosure_requirement`	Whether a state's disclosure law likely applies to a factoring deal of a given size.	I am in New York raising $400K by factoring. Does the funder owe me a disclosure?
`estimate_factoring_cost`	Cash advanced, fees, rebate and effective annual rate on one invoice, next to a bank line.	What does 2.5% per 30 days cost on a $200K invoice paid in 52 days?
`compare_mca_vs_factoring`	Estimated APR of a merchant cash advance next to factoring the same cash need.	Is a $150K MCA at a 1.38 factor rate over 8 months worse than factoring?
`check_factoring_fit`	The likely funding route, why, what to expect and the documents to gather.	Staffing agency, $400K a month, customers pay in 50 days, bank just called our line.
`get_benchmark_rates`	Prime, SOFR, 30-day average SOFR and the fed funds target range with dates and sources.	What is prime today?
`prompt_payment_interest`	Interest a federal or state agency owes on a late invoice.	The VA paid my $90K invoice 40 days late. How much interest do they owe?
`define_factoring_term`	Plain-English definitions from our glossary.	What is an assignment of claims?
`search_factoring_guides`	Our guides, situation, industry and state pages for a question, with short answers and links.	How do I get out of a factoring contract?

Discovery file: /.well-known/mcp.json. Plain-text maps for crawlers and assistants: llms.txt (every page) and llms-full.txt (the short answers, key facts and state rules in full). Bulk files: open data.

License and attribution

The state rules dataset and glossary are offered under CC BY 4.0: credit "Data: FactorRoute (factorroute.com)" with a link. Rates come from the Federal Reserve and the New York Fed under their terms. Nothing returned is legal, tax or financial advice.

Questions

Is there a cost or an API key?

No. The server is free, read-only and needs no key or sign-in. Please cite the FactorRoute page linked in each answer.

Where does the data come from?

The same files as this site: the state rules dataset (researched from statutes and filing offices, with sources and dates), federal rules summaries, our glossary and guides, and live rates from the Federal Reserve and the New York Fed via the factory data feed.

Does it give legal or financial advice?

No. It returns general information with sources and the same math as our calculators. It does not make offers or decide whether a business will be approved. FactorRoute is operated by Janover Capital LLC and is not a lender.

Questions or a wrong answer: hello@factorroute.com.

FactorRoute as an MCP server

Add it to your AI assistant

Tools

License and attribution

Questions