FactorRoute: invoice factoring rules, math and rates

com.factorroute/factorroute-comVersion 1.2026.1112.0

US invoice factoring: state disclosure laws, UCC, prompt pay, liens, cost math, live prime and SOFR.

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Last checked: Nov 14, 2026, 13:56 UTC
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Registry data as of: Nov 14, 2026, 21:12 UTC

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Streamable HTTP

https://factorroute.com/mcpResponds140 msNov 14, 2026, 13:56 UTC

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Claude Code

claude mcp add --transport http factorroute-com https://factorroute.com/mcp

Claude Desktop and claude.ai

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Settings > Connectors > Add custom connector
Name: factorroute-com
Remote MCP server URL: https://factorroute.com/mcp

Cursor

{
  "mcpServers": {
    "factorroute-com": {
      "url": "https://factorroute.com/mcp"
    }
  }
}

VS Code

code --add-mcp '{"name":"factorroute-com","type":"http","url":"https://factorroute.com/mcp"}'

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Tools

10 tools

Tools of FactorRoute: invoice factoring rules, math and rates
	Description		Read-only	Idempotent	Open world
`check_disclosure_requirement`For a business in a given state and a deal size in dollars, says whether that state's commercial financing disclosure law likely applies to an invoice factoring deal, based on the law's status, threshold and whether it covers accounts receivable purchases. Coverage also depends on exemptions (banks, low-volume providers) and on where the business is located, so treat it as a first check.	For a business in a given state and a deal size in dollars, says whether that state's commercial financing disclosure law likely applies to an invoice factoring deal, based on the law's status, threshold and whether it covers accounts receivable purchases. Coverage also depends on exemptions (banks, low-volume providers) and on where the business is located, so treat it as a first check.	No	Yes	Yes	No
`check_factoring_fit`A first-pass fit check, the same logic as FactorRoute's "Do I qualify?" tool: who pays the invoices, industry, monthly invoicing, facility size, days to pay, the situation (bank declined, MCA refinance, switching factors...) and existing liens. Returns the likely funding route (express to $500K, direct to $3MM, network placement $3MM to $25MM, specialty or outside), why, what to expect and the documents to gather.	A first-pass fit check, the same logic as FactorRoute's "Do I qualify?" tool: who pays the invoices, industry, monthly invoicing, facility size, days to pay, the situation (bank declined, MCA refinance, switching factors...) and existing liens. Returns the likely funding route (express to $500K, direct to $3MM, network placement $3MM to $25MM, specialty or outside), why, what to expect and the documents to gather.	No	Yes	Yes	No
`compare_mca_vs_factoring`Estimated APR of a merchant cash advance from its funded amount, factor rate, fees and term, next to the cost of raising the same cash by factoring invoices. Same math as FactorRoute's MCA vs. factoring tool (IRR of the payment schedule, the method state disclosure rules use to estimate APR).	Estimated APR of a merchant cash advance from its funded amount, factor rate, fees and term, next to the cost of raising the same cash by factoring invoices. Same math as FactorRoute's MCA vs. factoring tool (IRR of the payment schedule, the method state disclosure rules use to estimate APR).	No	Yes	Yes	No
`define_factoring_term`Plain-English definition of an invoice factoring, AR finance, MCA, SBA, UCC, construction or government contracting term (advance rate, recourse, notification, reserve, UCC-1, assignment of claims, retainage, intercreditor...).	Plain-English definition of an invoice factoring, AR finance, MCA, SBA, UCC, construction or government contracting term (advance rate, recourse, notification, reserve, UCC-1, assignment of claims, retainage, intercreditor...).	No	Yes	Yes	No
`estimate_factoring_cost`Cost of factoring one invoice (or one month of invoices): cash advanced, fees, rebate, cost as a percent of the invoice and the effective annual rate on the cash actually received, next to a bank line. Same math as FactorRoute's factoring cost calculator. Fee is a flat rate per 30 days billed in blocks of increment_days (30, 15, 10 or 1 for daily proration).	Cost of factoring one invoice (or one month of invoices): cash advanced, fees, rebate, cost as a percent of the invoice and the effective annual rate on the cash actually received, next to a bank line. Same math as FactorRoute's factoring cost calculator. Fee is a flat rate per 30 days billed in blocks of increment_days (30, 15, 10 or 1 for daily proration).	No	Yes	Yes	No
`get_benchmark_rates`Today's bank prime loan rate (Federal Reserve H.15), SOFR and 30-day average SOFR (New York Fed) and the fed funds target range, with as-of dates and sources. These price prime-plus factoring and asset-based lines; most flat factoring fees do not move with them.	Today's bank prime loan rate (Federal Reserve H.15), SOFR and 30-day average SOFR (New York Fed) and the fed funds target range, with as-of dates and sources. These price prime-plus factoring and asset-based lines; most flat factoring fees do not move with them.	No	Yes	Yes	No
`get_state_factoring_rules`Everything FactorRoute has verified about invoice factoring in one US state or DC: commercial financing disclosure law (status, threshold, citation, whether it covers factoring, APR, registration), where UCC liens are filed and searched, how fast state agencies must pay vendors and the late-payment interest, private construction prompt pay, mechanics lien and payment bond deadlines, the main industries and payers, and sources. Use for "is factoring regulated in X", "where do I search UCC liens in X", "how long does X state take to pay contractors".	Everything FactorRoute has verified about invoice factoring in one US state or DC: commercial financing disclosure law (status, threshold, citation, whether it covers factoring, APR, registration), where UCC liens are filed and searched, how fast state agencies must pay vendors and the late-payment interest, private construction prompt pay, mechanics lien and payment bond deadlines, the main industries and payers, and sources. Use for "is factoring regulated in X", "where do I search UCC liens in X", "how long does X state take to pay contractors".	No	Yes	Yes	No
`list_disclosure_law_states`Every US state whose commercial financing disclosure law is in effect or enacted, with dollar threshold, effective date, citation, whether it reaches factoring (accounts receivable purchase) transactions, whether an APR is required, and any provider registration. Use for "which states regulate factoring" or "which states require disclosures on business loans and MCAs".	Every US state whose commercial financing disclosure law is in effect or enacted, with dollar threshold, effective date, citation, whether it reaches factoring (accounts receivable purchase) transactions, whether an APR is required, and any provider registration. Use for "which states regulate factoring" or "which states require disclosures on business loans and MCAs".	No	Yes	Yes	No
`prompt_payment_interest`Interest a federal agency owes on a late invoice under the Prompt Payment Act at the current Treasury rate (simple daily interest, added to principal every 30 days), or, for a state, the state's prompt payment rule with the interest at a rate you supply. Use for government contractors waiting on agency payments.	Interest a federal agency owes on a late invoice under the Prompt Payment Act at the current Treasury rate (simple daily interest, added to principal every 30 days), or, for a state, the state's prompt payment rule with the interest at a rate you supply. Use for government contractors waiting on agency payments.	No	Yes	Yes	No
`search_factoring_guides`Find FactorRoute's guides, situation pages, industry pages, state pages and tools for a question (e.g. "line of credit called", "factor buyout", "staffing payroll", "tax lien", "government contractor"), with each page's short answer and URL.	Find FactorRoute's guides, situation pages, industry pages, state pages and tools for a question (e.g. "line of credit called", "factor buyout", "staffing payroll", "tax lien", "government contractor"), with each page's short answer and URL.	No	Yes	Yes	No

Details

Registry status: Active
Published: Nov 12, 2026
Updated: Nov 12, 2026
Website: https://factorroute.com/developers/⁠ (opens in a new tab)
Repository: Not given
Categories (suggested): Invoicing and accounting Finance and paymentsSuggested categories are assigned automatically from the registry text and may be wrong. Verified operators can correct them.
GDPR: Not declared

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