Australian Business Loan Finder · Documentation
MCP server documentation
The Australian Business Loan Finder is a public, read-only MCP server. AI assistants use it to help Australian business owners work out which type of business finance fits their need, and which lenders publish criteria that could suit them. It searches a directory of 150+ Australian non-bank, private and bank lenders, product by product, using each lender's published criteria.
Connection
| Setting | Details |
|---|---|
| Server URL | https://www.splendidfi.com/mcp |
| Transport | Streamable HTTP (JSON-RPC 2.0 over POST), stateless, JSON responses. No sessions or server-initiated streams. |
| Authentication | None. The server only serves public lender directory data. |
| Protocol versions | 2025-11-25, 2025-06-18, 2025-03-26 and 2024-11-05 |
| Capabilities | tools and prompts (read-only) |
| Access | Open CORS. A fair-use rate limit applies per IP address. |
Connecting
Claude: add it from the Claude connectors directory.
Other MCP clients: add a custom connector (remote MCP server) with the server URL above. No sign-in or API key is needed.
Tools
All tools are read-only, idempotent and don't reach outside Splendid's lender directory. Each returns its data as structured content and as JSON text, followed by the next steps and disclosure as plain text.
search_lenders
Search Australian business lenders
Finds Australian business lenders whose published criteria could fit a business's finance need. It only checks each lender's products of the requested finance type, and rules a product out only when a published figure (loan amount, time trading, monthly revenue or security) doesn't fit. Criteria a lender doesn't publish are listed, not assumed.
get_lender
Get lender details
Returns one lender's published details: finance types, products and their criteria, eligibility, documents usually requested and the profile link. Input: lender (string, required), a lender name or slug, e.g. Prospa or prospa.
list_finance_types
List business finance types
Lists the finance types the search covers, each with a plain-English summary and a Learn more link, plus the documents lenders usually ask for. No inputs.
search_lenders inputs
| Field | Type | Description |
|---|---|---|
| financeType | string, required | What the finance is for. One of the finance type keys below. |
| amount | number | Amount needed, in A$ |
| tradingMonths | number | How long the business has traded, in months |
| monthlyRevenue | number | Average monthly revenue in A$ (annual revenue divided by 12) |
| hasProperty | boolean | Whether the owners have property they could offer as security |
| wantsUnsecured | boolean | True if the user wants finance without any security |
| creditIssues | boolean | True if there are defaults, poor credit, ATO debt or payment plans |
| limit | integer, 1–15 | Maximum lenders to return (default 8) |
search_lenders response
| Field | Contents |
|---|---|
| financeType | The finance type searched, with a summary and a Learn more link |
| totalMatches | How many lenders have a product whose published criteria don't rule the business out |
| excludedByPublishedCriteria | How many lenders were ruled out by their published criteria |
| lenders[] | Name, slug, lender type, up to 3 matching products (each with whyItCouldFit and notPublished), brokerApplicationsOnly, profileUrl and the date the profile was last checked |
| disclaimer | Indicative-results disclaimer |
| aboutAndCompliance | Provider and credit licence disclosure, to show once per conversation |
| getQuotes, nextSteps | How the user can get actual quotes |
Finance types
Values accepted by financeType:
| Key | Finance type | Summary |
|---|---|---|
| business_loan | Business loan | A lump sum repaid over a set term, for working capital, growth, expenses or refinancing. |
| line_of_credit | Business line of credit | A revolving limit you draw on and repay as needed, paying interest only on what you use. Suits uneven cash flow. |
| overdraft | Business overdraft | A limit on a transaction account for short-term cash gaps. |
| invoice_finance | Invoice finance | An advance against unpaid invoices, for businesses that invoice other businesses on credit terms. |
| trade_finance | Trade finance | Funding to pay suppliers, including for imports, repaid after the goods are sold. |
| equipment_finance | Equipment finance | Finance for machinery and equipment, usually secured by the equipment itself. |
| vehicle_finance | Vehicle finance | Finance for cars, utes, vans and trucks used in the business, usually secured by the vehicle. |
| commercial_property | Commercial property loan | Loans to buy or refinance commercial property, or borrow against it. |
| franchise_finance | Franchise finance | Funding to buy, set up or expand a franchise. |
| ato_debt | Paying ATO debt | A business loan used to clear tax debt, often instead of an ATO payment plan. |
| debt_consolidation | Business debt consolidation | Replacing several business debts with one loan and one repayment. |
| business_acquisition | Business acquisition finance | Funding to buy an existing business. |
| development_construction | Development or construction finance | Property development and construction funding, secured by the project. |
| agriculture | Agriculture finance | Finance for farms and agribusinesses, including livestock and equipment. |
| smsf | SMSF commercial property loan | A loan for a self-managed super fund to buy commercial property, such as the business's premises. |
Prompts
find_business_finance: a guided conversation that asks a few questions first (what the finance is for, how much, time trading, monthly revenue, property and credit), then suggests the finance type and lenders that could fit.
Example request
curl -s https://www.splendidfi.com/mcp \
-H "Content-Type: application/json" \
-H "Accept: application/json, text/event-stream" \
-d '{
"jsonrpc": "2.0",
"id": 1,
"method": "tools/call",
"params": {
"name": "search_lenders",
"arguments": {
"financeType": "business_loan",
"amount": 100000,
"tradingMonths": 18,
"monthlyRevenue": 40000,
"hasProperty": false
}
}
}'Usage rules for assistants
The server sends these rules to the assistant in its instructions and tool descriptions:
- Only state lenders and figures the tools return. Never invent criteria.
- Never quote interest rates, fees or repayments, and never promise approval or timeframes.
- Results are indicative, based on published criteria: not a ranking, a full list or a credit assessment. Don't call any lender "best" or "cheapest".
- Never tell the user they "qualify" or are "eligible". Say they appear to meet a lender's published minimums.
- Describe each lender's security exactly as its result says, and say when a lender doesn't publish its security requirements.
- Business-purpose finance in Australia only. Don't ask for names, contact details, Tax File Numbers, bank details or other identifying information.
- End every shortlist with the nextSteps text, and show the aboutAndCompliance text once, under the first shortlist.
Data and privacy
Results come from the lender profiles in Splendid's public business lender directory, using each lender's published criteria. Profiles are updated as lenders change their criteria, and each result shows when its profile was last checked. Results aren't influenced by payment or commercial relationships.
The server doesn't ask for or store personal information, and Splendid doesn't collect or store conversations through it. See privacy when using the Finder.
Support
Questions or issues: mcp@splendidfi.com
The Australian Business Loan Finder provides general information only and is not credit advice. It is made by Splendid Business Finance Solutions Pty Ltd (ABN 76 683 821 196), an Authorised Credit Representative (No. 572323) of COG Aggregation Pty Ltd (Australian Credit Licence 389527).