Evidence row 4379951

What was observed

{
  "count": 16,
  "tools": [
    {
      "description": "What FundingTracker.app is, who it is for, what it tracks, how bank data and contracts are handled, and links to its key public pages.",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {},
        "type": "object"
      },
      "name": "about_fundingtracker"
    },
    {
      "description": "Convert a merchant cash advance factor rate into total payback, cost of capital, payment size, number of payments and effective APR. Daily payments are business days (21 per month, 252 per year); weekly is 4.33 per month. APR discounts each payment to present value, the same formula as the FundingTracker MCA calculator.",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "advance": {
            "description": "Funded advance amount in USD, e.g. 50000.",
            "exclusiveMinimum": 0,
            "maximum": 10000000,
            "type": "number"
          },
          "factor_rate": {
            "description": "Factor rate, e.g. 1.35 (total payback = advance x factor rate). Between 1.0 and 2.0.",
            "maximum": 2,
            "minimum": 1,
            "type": "number"
          },
          "payment_frequency": {
            "default": "daily",
            "description": "Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'.",
            "enum": [
              "daily",
              "weekly"
            ],
            "type": "string"
          },
          "term_months": {
            "description": "Repayment term in months (1-24), e.g. 6.",
            "maximum": 24,
            "minimum": 1,
            "type": "integer"
          }
        },
        "required": [
          "advance",
          "factor_rate",
          "term_months"
        ],
        "type": "object"
      },
      "name": "calculate_mca_apr"
    },
    {
      "description": "Compare the signed-in user's open deals side by side: factor rate, cost of capital and cost per dollar, remaining balance, percent paid, payment and its weekly equivalent, and projected and agreement payoff dates, with which deal has the highest factor rate, the largest weekly payment and the largest balance. Requires signing in to FundingTracker.",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {},
        "type": "object"
      },
      "name": "compare_my_deals"
    },
    {
      "description": "Estimate the remaining balance, payments left and projected payoff date of a merchant cash advance from the advance amount, factor rate, amount already paid and the daily or weekly payment. Remaining balance = total payback - amount paid; daily payments skip weekends.",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "advance": {
            "description": "Funded advance amount in USD, e.g. 50000.",
            "exclusiveMinimum": 0,
            "maximum": 10000000,
            "type": "number"
          },
          "amount_paid": {
            "default": 0,
            "description": "Total already repaid in USD. Defaults to 0.",
            "maximum": 100000000,
            "minimum": 0,
            "type": "number"
          },
          "as_of_date": {
            "description": "Date to project from (YYYY-MM-DD). Defaults to today (UTC).",
            "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
            "type": "string"
          },
          "factor_rate": {
            "description": "Factor rate, e.g. 1.35 (total payback = advance x factor rate). Between 1.0 and 2.0.",
            "maximum": 2,
            "minimum": 1,
            "type": "number"
          },
          "payment_amount": {
            "description": "The daily or weekly payment amount in USD, e.g. 450.",
            "exclusiveMinimum": 0,
            "maximum": 10000000,
            "type": "number"
          },
          "payment_frequency": {
            "default": "daily",
            "description": "Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'.",
            "enum": [
              "daily",
              "weekly"
            ],
            "type": "string"
          }
        },
        "required": [
          "advance",
          "factor_rate",
          "payment_amount"
        ],
        "type": "object"
      },
      "name": "estimate_mca_payoff"
    },
    {
      "description": "Get one funder's public profile from the FundingTracker directory by slug: financing type, description, website, its listed facts (type, max deal, payment schedules, ISO brokers, states), average merchant rating, review count and the most recent public reviews.",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "slug": {
            "description": "Funder slug from search_funders (e.g. 'apex-funding-group-llc') or its fundingtracker.app/funders URL.",
            "maxLength": 200,
            "minLength": 1,
            "type": "string"
          }
        },
        "required": [
          "slug"
        ],
        "type": "object"
      },
      "name": "get_funder"
    },
    {
      "description": "Return the full text of one FundingTracker MCA guide as markdown, with its canonical URL, key takeaways, sections, checklist and FAQs.",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "slug": {
            "description": "Guide slug from search_mca_guides (e.g. 'what-is-a-factor-rate-merchant-cash-advance') or its URL.",
            "maxLength": 200,
            "minLength": 1,
            "type": "string"
          }
        },
        "required": [
          "slug"
        ],
        "type": "object"
      },
      "name": "get_mca_guide"
    },
    {
      "description": "Get one of the signed-in user's deals by id (from list_my_deals): its contract terms, balance, projected payoff and recent recorded payments, including bank debits matched to it. Requires signing in to FundingTracker.",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "deal_id": {
            "description": "Deal id from list_my_deals.",
            "format": "uuid",
            "pattern": "^([0-9a-fA-F]{8}-[0-9a-fA-F]{4}-[1-8][0-9a-fA-F]{3}-[89abAB][0-9a-fA-F]{3}-[0-9a-fA-F]{12}|00000000-0000-0000-0000-000000000000|ffffffff-ffff-ffff-ffff-ffffffffffff)$",
            "type": "string"
          }
        },
        "required": [
          "deal_id"
        ],
        "type": "object"
      },
      "name": "get_my_deal"
    },
    {
      "description": "Get the signed-in user's latest FundingTracker insight: the one-sentence summary and points shown at the top of their dashboard (debits to review, missed debits, pace against the agreement, what is coming, cost), written from their own records. Requires signing in to FundingTracker.",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {},
        "type": "object"
      },
      "name": "get_my_insight"
    },
    {
      "description": "List the debits expected over the next days (30 by default) across the signed-in user's open advances, by date and by advance, estimated from the payment terms recorded in FundingTracker: the same schedule as the dashboard calendar. Requires signing in to FundingTracker.",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "days": {
            "default": 30,
            "description": "How many days ahead to look, 1-30.",
            "maximum": 30,
            "minimum": 1,
            "type": "integer"
          }
        },
        "type": "object"
      },
      "name": "get_my_upcoming_debits"
    },
    {
      "description": "List the alerts FundingTracker recently sent the signed-in user, such as missed payments, extra or unexpected debits, upcoming payment reminders and payoff milestones, newest first. Requires signing in to FundingTracker.",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "days": {
            "default": 30,
            "description": "How many days back to look, 1-90.",
            "maximum": 90,
            "minimum": 1,
            "type": "integer"
          }
        },
        "type": "object"
      },
      "name": "list_my_alerts"
    },
    {
      "description": "List recent funder debits from the signed-in user's connected bank feed, newest first: debits matched to an advance and debits that look like a funder's pull but wait for the user's review (including extra pulls and pulls after payoff), with the last bank sync. Requires signing in to FundingTracker.",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "days": {
            "default": 30,
            "description": "How many days back to look, 1-90.",
            "maximum": 90,
            "minimum": 1,
            "type": "integer"
          }
        },
        "type": "object"
      },
      "name": "list_my_bank_debits"
    },
    {
      "description": "List the signed-in user's deals in FundingTracker (merchant cash advances, loans, lines of credit): funder, financing type, amounts, amount paid, remaining balance, payment amount and frequency, and projected payoff date. Requires signing in to FundingTracker.",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "include_closed": {
            "default": false,
            "description": "Also list closed (paid off or bought out) deals.",
            "type": "boolean"
          }
        },
        "type": "object"
      },
      "name": "list_my_deals"
    },
    {
      "description": "Measure how heavy an MCA payment is against average daily revenue: daily-equivalent payment, % of daily revenue, weekly and monthly outflow, and a risk level (high at 30%+, medium at 15%+, otherwise low).",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "average_daily_revenue": {
            "description": "Average daily revenue (sales deposits) in USD, e.g. 2000.",
            "exclusiveMinimum": 0,
            "maximum": 100000000,
            "type": "number"
          },
          "payment_amount": {
            "description": "The daily or weekly MCA payment in USD, e.g. 450.",
            "maximum": 10000000,
            "minimum": 0,
            "type": "number"
          },
          "payment_frequency": {
            "default": "daily",
            "description": "Payment frequency: 'daily' (business days, Mon-Fri) or 'weekly'.",
            "enum": [
              "daily",
              "weekly"
            ],
            "type": "string"
          }
        },
        "required": [
          "average_daily_revenue",
          "payment_amount"
        ],
        "type": "object"
      },
      "name": "mca_payment_impact"
    },
    {
      "description": "Ask FundingTracker to list a funding company (direct funder, ISO/broker or other) in its public funder directory, or to update the facts of a company already listed: max deal, payment schedules, whether it works with ISO brokers, and states served. No sign-in needed; use it only for a company the user represents. FundingTracker emails a confirmation link to contact_email, which should be at the company website's domain (another domain gets a closer review). Nothing is published until that link is opened and FundingTracker approves the listing. Returns the request status, e.g. waiting for email confirmation. One open request per website; rate-limited.",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "company": {
            "description": "Company name as it should appear in the directory, e.g. 'Biz Capital Miami'.",
            "maxLength": 120,
            "minLength": 2,
            "type": "string"
          },
          "contact_email": {
            "description": "Work email at the company's own domain. A confirmation link is sent here; an email at another domain gets a closer review.",
            "format": "email",
            "maxLength": 200,
            "pattern": "^(?!\\.)(?!.*\\.\\.)([A-Za-z0-9_'+\\-\\.]*)[A-Za-z0-9_+-]@([A-Za-z0-9][A-Za-z0-9\\-]*\\.)+[A-Za-z]{2,}$",
            "type": "string"
          },
          "contact_name": {
            "description": "Name of the person requesting the listing.",
            "maxLength": 120,
            "minLength": 2,
            "type": "string"
          },
          "max_deal": {
            "description": "Largest deal funded, in USD, e.g. 250000.",
            "exclusiveMinimum": 0,
            "maximum": 100000000,
            "type": "number"
          },
          "payments": {
            "description": "Payment schedules offered: any of 'daily', 'weekly', 'monthly'.",
            "items": {
              "enum": [
                "daily",
                "weekly",
                "monthly"
              ],
              "type": "string"
            },
            "maxItems": 3,
            "type": "array"
          },
          "states": {
            "anyOf": [
              {
                "const": "all",
                "type": "string"
              },
              {
                "items": {
                  "type": "string"
                },
                "maxItems": 60,
                "type": "array"
              }
            ],
            "description": "U.S. states served: 'all' for nationwide, or two-letter codes like ['FL', 'GA', 'TX']."
          },
          "type": {
            "description": "'direct_funder' (funds deals from its own capital), 'broker' (ISO/broker) or 'other'.",
            "enum": [
              "direct_funder",
              "broker",
              "other"
            ],
            "type": "string"
          },
          "website": {
            "description": "Company website, e.g. 'bizcapitalmiami.com'.",
            "maxLength": 200,
            "minLength": 4,
            "type": "string"
          },
          "works_with_isos": {
            "description": "Whether the company works with ISO brokers.",
            "type": "boolean"
          }
        },
        "required": [
          "company",
          "website",
          "contact_name",
          "contact_email"
        ],
        "type": "object"
      },
      "name": "request_funder_listing"
    },
    {
      "description": "Search FundingTracker's public directory of merchant cash advance and business financing providers by name, description or financing type (e.g. MCA, Term Loan, SBA Loan, Line of Credit). Filter by min_max_deal (largest deal at least this many USD), payments (daily, weekly or monthly) and works_with_isos. Returns each funder's slug, profile link, merchant review rating and its listed facts: type (direct funder or broker), max deal, payment schedules, ISO brokers and states.",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "financing_type": {
            "description": "Filter by financing type, e.g. 'MCA', 'Term Loan', 'SBA Loan', 'Line of Credit'.",
            "maxLength": 60,
            "type": "string"
          },
          "limit": {
            "default": 20,
            "description": "Maximum results (1-50, default 20).",
            "maximum": 50,
            "minimum": 1,
            "type": "integer"
          },
          "min_max_deal": {
            "description": "Only funders whose max deal is at least this many USD, e.g. 250000. Funders that haven't listed a max deal are left out.",
            "exclusiveMinimum": 0,
            "maximum": 100000000,
            "type": "number"
          },
          "payments": {
            "description": "Only funders offering this payment schedule: 'daily', 'weekly' or 'monthly'.",
            "enum": [
              "daily",
              "weekly",
              "monthly"
            ],
            "type": "string"
          },
          "query": {
            "description": "Words to match in the funder name or description. Omit to list the directory.",
            "maxLength": 100,
            "type": "string"
          },
          "works_with_isos": {
            "description": "true: only funders that work with ISO brokers; false: only those that don't.",
            "type": "boolean"
          }
        },
        "type": "object"
      },
      "name": "search_funders"
    },
    {
      "description": "Search FundingTracker's merchant cash advance guides (payment tracking, remaining balance, factor rates, daily ACH debits, stacking, consolidation, contract review). Returns titles, short answers and links; call get_mca_guide for the full text.",
      "inputSchema": {
        "$schema": "https://json-schema.org/draft/2020-12/schema",
        "properties": {
          "limit": {
            "default": 10,
            "description": "Maximum results (1-20, default 10).",
            "maximum": 20,
            "minimum": 1,
            "type": "integer"
          },
          "query": {
            "description": "Topic or question, e.g. 'remaining balance' or 'stacked advances'. Omit to list every guide.",
            "maxLength": 200,
            "type": "string"
          }
        },
        "type": "object"
      },
      "name": "search_mca_guides"
    }
  ]
}

What the leaf hashes

{"body":"20eb732592282ee4b68062eac10c9f6db06ef54fdaa0501a8d75e35dd36c4cda","id":4379951,"kind":"mcp.tools","method":"probe.mcp/1","observed_us":1794247406425738,"prev":1234129,"subject":"3823e038-b3da-45eb-b42d-6627c0172d07","subject_kind":"endpoint"}

Proof

Its day has not closed yet. A day closes ten minutes after midnight UTC; the proof appears here then.