# Switchboard Finance agent API

Switchboard Finance is a licensed Australian finance broker for self-employed business owners and ABN holders (Switchboard Finance Pty Ltd, Credit Representative 576702 of LMG Broker Services Pty Ltd, Australian Credit Licence 517192). This API, MCP server and A2A agent let AI assistants check whether we can help with a business finance need and, with the owner's consent, pass the enquiry to a licensed broker.

Version 2.0.5 · [Changelog](https://api.switchboardfinance.com.au/changelog.json) · [Health](https://api.switchboardfinance.com.au/health) · [Terms of use](https://api.switchboardfinance.com.au/terms)

## Connect

- MCP (Streamable HTTP, no sign-in): `https://api.switchboardfinance.com.au/mcp`. Protocol versions 2026-07-28, 2025-11-25, 2025-06-18, 2025-03-26.
- Claude: Settings → Connectors → Add custom connector → paste the MCP URL.
- ChatGPT: Settings → Apps → Developer mode → Create app → paste the MCP URL.
- Claude Code: `claude mcp add --transport http switchboard-finance https://api.switchboardfinance.com.au/mcp`
- Cursor: [Add to Cursor](cursor://anysphere.cursor-deeplink/mcp/install?name=switchboard-finance&config=eyJ1cmwiOiJodHRwczovL2FwaS5zd2l0Y2hib2FyZGZpbmFuY2UuY29tLmF1L21jcCJ9)
- VS Code: `code --add-mcp '{"name":"switchboard-finance","type":"http","url":"https://api.switchboardfinance.com.au/mcp"}'`
- Gemini CLI (settings.json):
```json
{
  "mcpServers": {
    "switchboard-finance": {
      "httpUrl": "https://api.switchboardfinance.com.au/mcp"
    }
  }
}
```
- Other clients:
```json
{
  "mcpServers": {
    "switchboard-finance": {
      "type": "http",
      "url": "https://api.switchboardfinance.com.au/mcp"
    }
  }
}
```
- Official MCP Registry: `io.github.Nicklim123/switchboard-finance`
- OpenAPI 3.1: https://api.switchboardfinance.com.au/openapi.json · API catalog: https://api.switchboardfinance.com.au/.well-known/api-catalog · A2A agent card: https://api.switchboardfinance.com.au/.well-known/agent-card.json

## Tools

| Tool | Does | Changes anything? |
|---|---|---|
| check_fit | Which finance types fit a scenario, with loan size, LVR, timing and trading-history checks, documents usually needed, deal-breakers and the expected callback time. Shows an interactive card where the host supports MCP Apps. | No |
| list_products | Every finance type with observed sizes, time to fund, LVR and rate ranges; pass `lane` for full criteria. | No |
| search / fetch | Search published information and fetch full text with a source URL for citation. | No |
| request_callback | With the owner's consent, sends the enquiry to a licensed broker and returns a reference and expected contact time. Retries with the same idempotency key never create a duplicate. | Sends one enquiry |

Resources: `switchboard://products`, `switchboard://about`, `switchboard://lanes/{lane}` (caveat, second-mortgage, private-first, commercial-property, development, overdraft, business-loan, bad-credit, invoice, asset, accommodation). Prompts: finance_options, lane_details, prepare_callback.

## Example prompts

- "I run a civil company and need $120k for an excavator. Who could help?"
- "Can I get a caveat loan to clear a $180k ATO debt this week? We own a warehouse worth $1.2M with $400k owing."
- "We want to buy a motel as a going concern. Can a broker finance that?"

## REST

- `GET /v1/products` (`?lane=`) · `POST /v1/eligibility` · `GET /v1/search?q=` · `GET /v1/documents/{id}` · `POST /v1/enquiry` (send an `Idempotency-Key` header)
- Errors are JSON: `{"error": "...", "problems": ["what to fix"]}`. 429 responses carry `Retry-After`.

## Consent and privacy

request_callback requires the person to have agreed to: "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."

Collection notice: Switchboard Finance Pty Ltd (Credit Representative 576702 of Australian Credit Licence 517192) collects the name, phone, email and finance scenario you share, via the assistant you are using, to have a licensed broker contact you about this enquiry. Nothing is applied for and no credit check is run. If details are not provided we cannot call you back. We do not sell your details. Our privacy policy (https://www.switchboardfinance.com.au/privacy-policy) explains how to access or correct your information and how to complain.

Each enquiry records how consent was given, whether the notice was shown, the consent wording version and when consent expires (90 days). Enquiries are never used for marketing lists.

## What it does not do

It does not name lenders, rank products, make credit decisions, give personal advice or apply for credit. Consumer and personal loans are out of scope. Every enquiry is assessed by a licensed broker.

## Limits

Up to 3 enquiries a minute per connection. Read tools are cached for an hour. Responses stay small (a few KB).

## Support and complaints

hello@switchboardfinance.com.au · 0483 980 567 · Contact us first on 0483 980 567 or hello@switchboardfinance.com.au. If a complaint is not resolved, the Australian Financial Complaints Authority (AFCA) can help: afca.org.au, 1800 931 678.

General information only. It does not take your objectives, financial situation or needs into account and it is not financial, legal or tax advice. Ranges are observed across a lender panel, not offers. Every scenario is assessed by a licensed broker.