MCP Server
Switchboard Finance
io.github.Nicklim123/switchboard-finance
What this MCP does
Checks Australian business finance fit, provides product and policy information, and submits consented broker callback requests.
Capabilities
Tools
5
tools
check_fit
Check business finance fit
Checks whether an Australian business owner's finance need is something Switchboard Finance, a licensed finance broker, can help with, and which finance types fit. Covers ATO or tax debt, bank declines, caveat and second mortgages, private and commercial property loans, development, equipment and vehicles, invoice finance, overdrafts, bad credit and going-concern businesses such as motels. With amount, property value, timing and trading history it also checks loan size, LVR and time to fund against observed ranges, and returns documents usually needed, deal-breakers and an expected callback time. Example: {"purpose":"clear a $180k ATO debt this week","security":"warehouse worth $1.2M, $400k owing","amount":180000,"property_value":1200000,"existing_debt":400000}. General information, not a credit decision or advice.
Read only
Idempotent
Input schema
{'type': 'object', 'properties': {'amount': {'type': 'number', 'minimum': 0, 'description': 'Amount needed in AUD'}, 'purpose': {'type': 'string', 'description': "What the money is for, in the owner's words"}, 'security': {'type': 'string', 'description': 'Property, vehicle, equipment, or none'}, 'situation': {'type': 'string', 'description': 'Anything else relevant: ATO debt, declined by a bank, urgency, credit issues, low doc'}, 'borrower_type': {'type': 'string', 'description': 'company, trust, sole trader or partnership'}, 'existing_debt': {'type': 'number', 'minimum': 0, 'description': 'Amount already owed against that property, AUD'}, 'property_value': {'type': 'number', 'minimum': 0, 'description': 'Value of any property offered as security, AUD'}, 'trading_months': {'type': 'integer', 'minimum': 0, 'description': 'How long the ABN has been trading, in months'}, 'business_purpose': {'type': 'boolean', 'description': 'True if the funds are for a business purpose (false means personal or household)'}, 'needed_within_days': {'type': 'integer', 'minimum': 0, 'description': 'How soon the funds are needed, in days'}}, 'additionalProperties': False}
Output schema
{'type': 'object', 'properties': {'fit': {'enum': ['likely_in_scope', 'needs_broker', 'outside_scope', 'unlikely'], 'type': 'string'}, 'as_of': {'type': 'string'}, 'error': {'type': 'string'}, 'lanes': {'type': 'array', 'items': {'type': 'object'}}, 'method': {'type': 'string'}, 'reason': {'type': 'string'}, 'contact': {'type': 'object'}, 'licensee': {'type': 'object'}, 'problems': {'type': 'array', 'items': {'type': 'string'}}, 'next_step': {'type': 'object'}, 'disclosure': {'type': 'string'}, 'matrix_page': {'type': 'string'}, 'next_review': {'type': 'string'}, 'is_credit_decision': {'type': 'boolean'}, 'questions_to_sharpen': {'type': 'array', 'items': {'type': 'string'}}}}
fetch
Fetch a Switchboard document
Returns the full text of one Switchboard Finance document by its id, with its source URL for citation. Example: {"id":"lane:caveat"}.
Read only
Idempotent
Input schema
{'type': 'object', 'required': ['id'], 'properties': {'id': {'type': 'string', 'description': 'Document id from search, e.g. lane:caveat or about:switchboard'}}, 'additionalProperties': False}
Output schema
{'type': 'object', 'properties': {'id': {'type': 'string'}, 'url': {'type': 'string'}, 'text': {'type': 'string'}, 'error': {'type': 'string'}, 'title': {'type': 'string'}, 'metadata': {'type': 'object'}, 'problems': {'type': 'array', 'items': {'type': 'string'}}}}
list_products
List business finance types
Lists the types of business finance Switchboard Finance arranges for self-employed Australians and ABN holders, with observed loan sizes, time to fund, maximum LVR and rate ranges across its lender panel. Pass lane for one type's full criteria (security, LVR, trading history, ATO position, deal-breakers, documents, pricing, term). Example: {"lane":"caveat"}. Category-level only; no lender is named.
Read only
Idempotent
Input schema
{'type': 'object', 'properties': {'lane': {'enum': ['caveat', 'second-mortgage', 'private-first', 'commercial-property', 'development', 'overdraft', 'business-loan', 'bad-credit', 'invoice', 'asset', 'accommodation'], 'type': 'string', 'description': 'Optional finance type id for full criteria'}}, 'additionalProperties': False}
Output schema
{'type': 'object', 'properties': {'lane': {'type': 'object'}, 'as_of': {'type': 'string'}, 'error': {'type': 'string'}, 'lanes': {'type': 'array', 'items': {'type': 'object'}}, 'method': {'type': 'string'}, 'contact': {'type': 'object'}, 'licensee': {'type': 'object'}, 'problems': {'type': 'array', 'items': {'type': 'string'}}, 'disclosure': {'type': 'string'}, 'detail_hint': {'type': 'string'}, 'matrix_page': {'type': 'string'}, 'next_review': {'type': 'string'}}}
request_callback
Request a broker callback
Sends a business owner's finance enquiry to a licensed Switchboard Finance broker, who contacts them by phone, SMS and email. Requires consent: true, meaning the person has agreed to this wording: "I agree to Switchboard Finance contacting me about this enquiry by phone, SMS and email, including follow-up emails I can unsubscribe from at any time." Returns a reference number and the expected contact time. Nothing is applied for and no credit check is run. Retries with the same idempotency_key return the original reference instead of creating a second enquiry.
Open world
Idempotent
Input schema
{'type': 'object', 'required': ['name', 'phone', 'email', 'scenario', 'consent'], 'properties': {'abn': {'type': 'string', 'description': '11-digit ABN, optional'}, 'name': {'type': 'string', 'maxLength': 80, 'minLength': 2, 'description': "The person's name"}, 'email': {'type': 'string', 'format': 'email', 'description': 'Email address'}, 'phone': {'type': 'string', 'description': 'Australian phone number, e.g. 0412 345 678'}, 'amount': {'type': 'number', 'minimum': 0, 'description': 'Amount needed in AUD, optional'}, 'consent': {'type': 'boolean', 'description': "True only if the person agreed to the consent wording in this tool's description"}, 'scenario': {'type': 'string', 'minLength': 15, 'description': "The finance need in the owner's words: purpose, rough amount, timing"}, 'agent_name': {'type': 'string', 'description': 'Name of the assistant submitting, e.g. ChatGPT, Claude'}, 'notice_shown': {'type': 'boolean', 'description': 'True if the collection notice from check_fit (next_step.collection_notice) was shown to the person'}, 'business_name': {'type': 'string'}, 'consent_method': {'enum': ['user_confirmed_in_chat', 'user_ticked_checkbox_in_app', 'user_submitted_form'], 'type': 'string', 'description': 'How consent was given (default user_confirmed_in_chat)'}, 'idempotency_key': {'type': 'string', 'description': 'Optional unique key (8-128 chars) so a retry does not create a duplicate enquiry'}, 'business_purpose': {'type': 'boolean', 'description': 'True if the funds are for a business purpose'}}, 'additionalProperties': False}
Output schema
{'type': 'object', 'properties': {'error': {'type': 'string'}, 'status': {'enum': ['received', 'queued'], 'type': 'string'}, 'consent': {'type': 'object'}, 'problems': {'type': 'array', 'items': {'type': 'string'}}, 'received': {'type': 'boolean'}, 'duplicate': {'type': 'boolean'}, 'reference': {'type': 'string'}, 'enquiry_id': {'type': 'string'}, 'response_time': {'type': 'string'}, 'privacy_policy': {'type': 'string'}, 'expected_contact': {'type': 'object'}, 'what_happens_next': {'type': 'string'}}}
search
Search Switchboard finance information
Searches Switchboard Finance's published information on Australian business finance types, criteria and licensing. Returns ids, titles and source URLs for citation. Example: {"query":"second mortgage LVR for a trust"}.
Read only
Idempotent
Input schema
{'type': 'object', 'required': ['query'], 'properties': {'query': {'type': 'string', 'description': 'What to look up'}}, 'additionalProperties': False}
Output schema
{'type': 'object', 'properties': {'error': {'type': 'string'}, 'results': {'type': 'array', 'items': {'type': 'object', 'properties': {'id': {'type': 'string'}, 'url': {'type': 'string'}, 'title': {'type': 'string'}}}}, 'problems': {'type': 'array', 'items': {'type': 'string'}}}}
History
Recent tool changes
Added
fetch
Oct. 2, 2026, 2:40 a.m.
Added
search
Oct. 2, 2026, 2:40 a.m.
Added
request_callback
Oct. 2, 2026, 2:40 a.m.
Added
list_products
Oct. 2, 2026, 2:40 a.m.
Added
check_fit
Oct. 2, 2026, 2:40 a.m.
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