Categories › Business & Finance › Accounting & invoicing
US invoice factoring: state disclosure laws, UCC, prompt pay, liens, cost math, live prime and SOFR.
Remote server: your requests and data go to factorroute.com. Claude Code: claude mcp add --transport http factorroute-invoice-factoring-rules-math https://factorroute.com/mcp · Claude app: Settings → Connectors → Add custom connector.
The tools this server listed when we connected to it, in its own words.
get_state_factoring_rules — Everything FactorRoute has verified about invoice factoring in one US state or DC: commercial financing disclosure law (status, threshold, clist_disclosure_law_states — Every US state whose commercial financing disclosure law is in effect or enacted, with dollar threshold, effective date, citation, whether icheck_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 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 ancompare_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 facheck_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 sget_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 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 define_factoring_term — Plain-English definition of an invoice factoring, AR finance, MCA, SBA, UCC, construction or government contracting term (advance rate, recosearch_factoring_guides — Find FactorRoute's guides, situation pages, industry pages, state pages and tools for a question (e.g. "line of credit called", "factor buyoNot tested by KitScout yet. When our harness runs it, pros, cons and the tasks we tried appear here, with the date and evidence.