{"openapi":"3.1.0","info":{"title":"Cashbook Finance tools","version":"1.0.0","description":"Read-only eligibility checks and calculators from cashbookfinance.co.uk, for AI assistants and integrations. Also available over the Model Context Protocol at /mcp. Indicative only: not an offer, approval or credit decision. All finance is subject to eligibility, due diligence, credit approval and agreed terms. Cashbook Finance Limited is registered with the FCA under FRN 782472.","contact":{"name":"Cashbook Finance","url":"https://www.cashbookfinance.co.uk/contact","email":"info@cashbookfinance.co.uk"}},"servers":[{"url":"https://www.cashbookfinance.co.uk"}],"paths":{"/api/tools":{"get":{"summary":"List the tools","operationId":"listTools","responses":{"200":{"description":"Tools and their input schemas"}}}},"/api/tools/check_invoice_finance_fit":{"post":{"operationId":"check_invoice_finance_fit","summary":"Check invoice finance fit","description":"Runs Cashbook Finance's invoice-finance eligibility checker (the same rules as cashbookfinance.co.uk/eligibility) on six answers about a UK business (and an optional seventh, how the sales ledger is spread across customers) and returns an indicative fit with positives and review points.","requestBody":{"required":true,"content":{"application/json":{"schema":{"type":"object","properties":{"uk":{"type":"string","enum":["yes","no"],"description":"Is the business based and trading in the UK? \"yes\" = Yes - UK based and trading; \"no\" = No, or not yet"},"b2b":{"type":"string","enum":["yes","mixed","no"],"description":"Do you invoice other businesses for completed work or supplied goods? \"yes\" = Yes - mainly B2B invoices; \"mixed\" = A mixture of business and consumer invoices; \"no\" = No - mainly consumer sales"},"terms":{"type":"string","enum":["30plus","short","upfront"],"description":"How long do customers usually take to pay? \"30plus\" = Usually 30–90 days; \"short\" = Usually under 30 days; \"upfront\" = Mostly upfront or immediately"},"turnover":{"type":"string","enum":["50plus","25to50","under25"],"description":"What is the approximate annual turnover? \"50plus\" = £50,000 or more; \"25to50\" = £25,000–£49,999; \"under25\" = Under £25,000"},"trading":{"type":"string","enum":["6plus","under6","pretrade"],"description":"How long has the business been trading? \"6plus\" = 6 months or more; \"under6\" = Under 6 months; \"pretrade\" = Not trading yet"},"invoice":{"type":"string","enum":["usually","sometimes","no"],"description":"Are the invoices completed, accepted and free from genuine disputes? \"usually\" = Yes - usually completed and undisputed; \"sometimes\" = Some may still be subject to sign-off or query; \"no\" = No - they are mainly deposits, staged or disputed"},"spread":{"type":"string","enum":["spread","few","one"],"description":"How is your sales ledger spread across customers? \"spread\" = Spread across several customers; \"few\" = One or two customers make up most of it; \"one\" = Mostly one customer"}},"required":["uk","b2b","terms","turnover","trading","invoice"],"additionalProperties":false}}}},"responses":{"200":{"description":"Indicative result with caveat and next steps"},"400":{"description":"Invalid input"},"429":{"description":"Too many requests"}}}},"/api/tools/check_bridging_fit":{"post":{"operationId":"check_bridging_fit","summary":"Check business bridging fit","description":"Runs Cashbook Finance's business-bridging eligibility checker (the same rules as cashbookfinance.co.uk/eligibility). Business bridging only: owner-occupied residential property is outside scope. Returns an indicative fit, the illustrative gross LTV, positives and review points.","requestBody":{"required":true,"content":{"application/json":{"schema":{"type":"object","properties":{"ukprop":{"type":"string","enum":["yes","no"],"description":"Is the property or land in the UK? \"yes\" = Yes - in the UK; \"no\" = No - outside the UK"},"security":{"type":"string","enum":["residential","commercial","land","other"],"description":"What type of security is available? (Owner-occupied residential property is outside scope.) \"residential\" = Buy-to-let or unoccupied residential investment; \"commercial\" = Commercial or mixed-use; \"land\" = Land or development site; \"other\" = Other or not sure"},"purpose":{"type":"string","enum":["purchase","works","capital","other"],"description":"What is the main purpose of the bridge? \"purchase\" = Investment purchase or auction; \"works\" = Refurbishment or light works; \"capital\" = Capital raise or business purpose; \"other\" = Other or not sure"},"exit":{"type":"string","enum":["sale","refi","income","unclear"],"description":"How is the bridge expected to be repaid? \"sale\" = Sale of this or another property; \"refi\" = Refinance onto a longer-term facility; \"income\" = Business income or another source; \"unclear\" = The exit is not yet clear"},"term":{"type":"string","enum":["3to12","12to24","under3","over24"],"description":"What term is likely to be needed? \"3to12\" = 3–12 months; \"12to24\" = 12–24 months; \"under3\" = Under 3 months; \"over24\" = More than 24 months"},"charge":{"type":"string","enum":["first","second","unknown"],"description":"What charge position is expected? \"first\" = First charge; \"second\" = Second charge; \"unknown\" = Not sure yet"},"status":{"type":"string","enum":["ready","partial","early"],"description":"How developed is the transaction? \"ready\" = Property identified and exit understood; \"partial\" = Property identified; some details still developing; \"early\" = Early-stage idea or property not identified"},"property_value":{"type":"number","minimum":1,"description":"Approximate property value in GBP."},"loan_amount":{"type":"number","minimum":1,"description":"Approximate gross loan needed in GBP."}},"required":["ukprop","security","purpose","exit","term","charge","status","property_value","loan_amount"],"additionalProperties":false}}}},"responses":{"200":{"description":"Indicative result with caveat and next steps"},"400":{"description":"Invalid input"},"429":{"description":"Too many requests"}}}},"/api/tools/estimate_invoice_advance":{"post":{"operationId":"estimate_invoice_advance","summary":"Estimate an invoice advance","description":"Illustrates how much of an approved invoice could be advanced (example rate 80%) and the balance that follows when the customer pays, before fees.","requestBody":{"required":true,"content":{"application/json":{"schema":{"type":"object","properties":{"invoice_value":{"type":"number","minimum":1,"description":"Invoice value in GBP."},"advance_rate_percent":{"type":"number","minimum":50,"maximum":90,"default":80,"description":"Example advance rate (default 80)."}},"required":["invoice_value"],"additionalProperties":false}}}},"responses":{"200":{"description":"Indicative result with caveat and next steps"},"400":{"description":"Invalid input"},"429":{"description":"Too many requests"}}}},"/api/tools/estimate_bridging_costs":{"post":{"operationId":"estimate_bridging_costs","summary":"Estimate business bridging costs","description":"Illustrates the cost of a business bridging loan with the site's example assumptions (1% a month, 12 months, 1% arrangement fee, 0.5% exit fee, £2,000 valuation and legal), or with the values given: net funds on day one, interest, fees, total cost and the amount to repay at exit.","requestBody":{"required":true,"content":{"application/json":{"schema":{"type":"object","properties":{"property_value":{"type":"number","minimum":1},"gross_loan":{"type":"number","minimum":1},"monthly_rate_percent":{"type":"number","minimum":0,"maximum":3,"default":1},"term_months":{"type":"integer","minimum":1,"maximum":24,"default":12},"arrangement_fee_percent":{"type":"number","minimum":0,"maximum":5,"default":1},"exit_fee_percent":{"type":"number","minimum":0,"maximum":5,"default":0.5},"valuation_and_legal":{"type":"number","minimum":0,"default":2000},"interest":{"type":"string","enum":["retained","serviced","rolled"],"default":"retained","description":"retained = deducted at the start; serviced = paid monthly; rolled = added to the balance and paid at exit."}},"required":["property_value","gross_loan"],"additionalProperties":false}}}},"responses":{"200":{"description":"Indicative result with caveat and next steps"},"400":{"description":"Invalid input"},"429":{"description":"Too many requests"}}}},"/api/tools/get_company_facts":{"post":{"operationId":"get_company_facts","summary":"Get Cashbook Finance company facts","description":"Returns verified facts about Cashbook Finance: legal name, FCA and Companies House registrations, contact details, offices and products.","requestBody":{"required":true,"content":{"application/json":{"schema":{"type":"object","properties":{},"additionalProperties":false}}}},"responses":{"200":{"description":"Indicative result with caveat and next steps"},"400":{"description":"Invalid input"},"429":{"description":"Too many requests"}}}}}}