MCP tool

check_buyer_prequalification

Check buyer prequalification

Estimate whether a target acquisition is SBA-financeable for the authenticated buyer, using their saved Capbench profile (liquidity, criteria) plus the deal facts provided. Returns fit level, injection estimate, cash gap, lender concerns, and the next step. Not a credit decision.

Input

Field	Type	Notes
purchase_price	number	Total purchase price of the target business.
sde	number	Seller's discretionary earnings (or pass ebitda).
ebitda	number	EBITDA, if used instead of SDE.
state	string	Two-letter US state code.
industry	string	Industry or business type.
buyer_cash_available	number	Override the buyer's cash from their profile.

Example call

Can this connected buyer finance this deal?

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "check_buyer_prequalification",
    "arguments": {
      "purchase_price": 1200000,
      "sde": 300000,
      "state": "IA",
      "industry": "restaurants"
    }
  }
}

POST to https://www.capbench.com/api/mcp.

Output

Personalized results computed from the authenticated user's own saved Capbench buyer profile (and any deal facts passed). Read tools return analysis; write tools confirm the change. Until the user connects Capbench, the tool returns an authentication/connect prompt instead.

Example response

Every result is wrapped in the standard CapBench envelope — same canonical_url, data_freshness, methodology, source_summary, caveats, and citation as the REST API.

{
  "ok": true,
  "canonical_url": "https://www.capbench.com/sba-7a/requirements",
  "data_freshness": {
    "sba_records_through": "2026-05-31",
    "fdic_records_through": "2026-03-31",
    "dealroom_last_updated": "2026-06-22",
    "timezone": "America/Chicago"
  },
  "methodology": {
    "label": "Check buyer prequalification methodology",
    "url": "https://www.capbench.com/methodology/industry-risk"
  },
  "source_summary": [
    "Public SBA 7(a) loan records",
    "FDIC institution data",
    "CapBench lender and franchise enrichment"
  ],
  "results": null,
  "caveats": [
    "CapBench data is market intelligence, not a credit decision or SBA eligibility determination."
  ],
  "citation": {
    "label": "CapBench SBA Intelligence",
    "url": "https://www.capbench.com/sba-7a/requirements",
    "source_type": "CapBench Data"
  }
}

Caveats

Requires the user to connect Capbench in ChatGPT (OAuth). Write tools also require explicit user confirmation (user_confirmed: true).
Estimates are heuristics from public SBA benchmarks plus the buyer's profile — not a credit decision or SBA eligibility determination.

Continuation URL

If the user isn't connected, the result asks them to connect Capbench in ChatGPT; if connected without a profile, it routes them to create one.

Lead & consent

Lender introductions and profile writes require explicit confirmation; sharing a profile with lenders is a separate, logged consent.

See this data on the site Methodology All tools