MCP tool

evaluate_franchise_sba_fit

Evaluate franchise SBA fit

Evaluate whether a franchise purchase appears suitable for SBA financing using brand financing history, lender activity, risk signals, and buyer context. Use when a user asks whether a franchise brand or resale is SBA-bankable. Returns a preview + continuation URL.

Input

Example call

Is a UPS Store resale SBA-bankable?

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "evaluate_franchise_sba_fit",
    "arguments": {
      "franchise_brand": "The UPS Store",
      "state": "FL",
      "purchase_price": 900000,
      "sde": 225000
    }
  }
}

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

Output

A preview object (fit level, estimates, likely lender concerns, and a missing-information checklist), a `locked_results_available` flag where full results are gated, and — when intent context is provided — a continuation URL. Wrapped in the standard envelope below.

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/franchises",
  "data_freshness": {
    "sba_records_through": "2026-05-31",
    "fdic_records_through": "2026-03-31",
    "dealroom_last_updated": "2026-06-17",
    "timezone": "America/Chicago"
  },
  "methodology": {
    "label": "Evaluate franchise SBA fit methodology",
    "url": "https://www.capbench.com/methodology/franchise-risk"
  },
  "source_summary": [
    "Public SBA 7(a) loan records",
    "FDIC institution data",
    "CapBench lender and franchise enrichment"
  ],
  "results": {
    "brand_query": "The UPS Store",
    "brand_financing_preview": [
      {
        "brand": "The UPS Store",
        "slug": "the-ups-store",
        "sbaLoansSince2020": 980
      }
    ],
    "locked_results_available": true,
    "note": "Brand financing snapshot preview. The full franchise financing report and lender list are available via the continuation URL."
  },
  "caveats": [
    "CapBench data is market intelligence, not a credit decision or SBA eligibility determination."
  ],
  "citation": {
    "label": "CapBench SBA Intelligence",
    "url": "https://www.capbench.com/franchises",
    "source_type": "CapBench Data"
  }
}

Caveats

• Previews are heuristics from public SBA benchmarks — not a credit decision or SBA eligibility determination.
• Estimates depend on the facts the agent passes; missing fields widen the uncertainty.