MCP tool

estimate_buyer_injection

Estimate buyer injection

Estimate the equity injection (down payment) required for an SBA 7(a) acquisition and the gap versus the authenticated buyer's available cash. Uses the 10% minimum injection rule and the buyer's saved liquidity. Requires connection.

Input

Example call

How much cash does this buyer need to close?

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "estimate_buyer_injection",
    "arguments": {
      "purchase_price": 900000
    }
  }
}

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/down-payment",
  "data_freshness": {
    "sba_records_through": "2026-05-31",
    "fdic_records_through": "2026-03-31",
    "dealroom_last_updated": "2026-06-21",
    "timezone": "America/Chicago"
  },
  "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/down-payment",
    "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.