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MCP tool

find_sba_lenders_for_purchase

Find SBA lenders for a purchase

Find SBA lenders for a proposed business acquisition. Ranked by proven 7(a) acquisition activity in the state and fit to the loan size (provide a two-letter 'state' and 'loan_amount' for the sharpest match), with sponsored partners first and an actual funded deal as proof on each. Each result includes a 'connect_url' that starts a CapBench-arranged introduction (consent required).

Input

FieldTypeNotes
statestringTwo-letter US state code.
industrystringIndustry or business type.
purchase_pricenumber
loan_amountnumber
sdenumber
deal_typestring
buyer_cash_availablenumber
credit_bandstring
intentstringOptional. The user's goal, e.g. 'business_purchase_lender_match', 'business_purchase_prequalification', 'franchise_sba_fit', 'franchise_lender_match'. Enables a deal-aware preview + continuation URL.
deal_contextobjectOptional deal facts: purchase_price, loan_amount, sde, ebitda, state, industry, deal_type, real_estate_included, seller_note_amount, working_capital_needed, timeline.
buyer_contextobjectOptional buyer facts: buyer_cash_available, credit_band, buyer_experience.
franchise_contextobjectOptional franchise facts: franchise_brand, new_unit_or_resale.

Example call

Lenders for a pharmacy acquisition in Alabama.

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "find_sba_lenders_for_purchase",
    "arguments": {
      "state": "AL",
      "industry": "specialty pharmacy",
      "purchase_price": 4800000,
      "loan_amount": 4300000
    }
  }
}

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/lenders",
  "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": "Find SBA lenders for a purchase methodology",
    "url": "https://www.capbench.com/methodology/lender-rankings"
  },
  "source_summary": [
    "Public SBA 7(a) loan records",
    "FDIC institution data",
    "CapBench lender and franchise enrichment"
  ],
  "results": {
    "matched_lenders_preview": [
      {
        "name": "Live Oak Banking Company",
        "slug": "live-oak-banking-company"
      }
    ],
    "locked_results_available": true,
    "note": "Preview of active lenders. The full ranked, deal-matched list and warm introductions 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/lenders",
    "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.

Continuation URL

Returns a continuation URL that carries the anonymous deal profile into the matching CapBench page (prequalification, lender match, or franchise evaluation), pre-populated. Show it to the user as the next step.

Lead & consent

Anonymous preview only. CapBench stores an anonymous acquisition profile (no contact info). Contact details and lender introductions require explicit user consent on the CapBench continuation page — never in the tool call.

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