Motel Loans: hotel loan sizer and franchise costs
loans.motel/motel-loansmotel.loansstreamable-httpv1.2026.1101.1Scanned
Hotel and motel loan sizer, franchise fees for 48 brands from filed FDDs, SBA hotel terms.
4 tools: 1 change things and 3 only read.
- Reads private data · 2
- Reads text others write · 0
- Can send data out · 0
- 1 finding
Tools listed without sign-in. Remote posture
Anlyon alternative
1 of these tools change something. Run those as governed actions.
Declare what an action changes, and Anlyon puts it under a shared limit, binds every approval to the exact request, and grades the outcome. It works on any HTTPS API you can describe as an action.
Anlyon does not run, proxy or govern this MCP server. A tool your own code calls directly is not routed through Anlyon and is not governed by it.
Import an OpenAPI spec →Tools
Grouped by what each tool does, most consequential first. Open one for its reasons and full description; descriptions are the publisher's own words.
4 tools
Changes things 1Claude Code: ask
size_hotel_loanRuns the motel.loans hotel loan sizer on your numbers: RevPAR, rooms and total revenue, each expense line, NOI, annual debt service, DSCR, the largest loan the cash flow supports a…1 finding
Why it is in this group
- The description's first verb is "run": a word for a change.
- The server marks it read-only (readOnlyHint: true), but an annotation never lowers a class.
Findings
- Warn
The server marks "size_hotel_loan" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
What this check looks forMatched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "run": a word for a change.
Description, as the server wrote it Runs the motel.loans hotel loan sizer on your numbers: RevPAR, rooms and total revenue, each expense line, NOI, annual debt service, DSCR, the largest loan the cash flow supports at the lender's minimum DSCR, the loan-to-price cap, which one binds, cap rate, price per key and breakeven occupancy. Pick a brand to fill franchise fees from its FDD and a program (SBA 7(a), SBA 504, conventional) to fill rate, amortization and loan-to-price as the calculator does.
Annotations the server declares
- title: Size a hotel or motel loan
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
Only reads 3Show 3 read-only tools
compare_franchise_costsA ranked table of hotel brands from the motel.loans FDD database (48 brands): royalty plus marketing percent, per-room monthly fees, initial fee for 60 rooms, transfer fee and Item…Reads private dataNo findings
Why it is in this group
- The name "compare_franchise_costs" says "compare": a word for reading.
What it can reach
- private-dataThe description's first sentence says "table": it reads databases.
Description, as the server wrote it A ranked table of hotel brands from the motel.loans FDD database (48 brands): royalty plus marketing percent, per-room monthly fees, initial fee for 60 rooms, transfer fee and Item 7 total investment range, each with its FDD year and page. Filter by parent company or name specific brands, and sort by percent fees, initial fee or lowest Item 7 cost.
Annotations the server declares
- title: Compare hotel franchise costs
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
get_franchise_costsOne hotel brand's franchise costs from its filed franchise disclosure document (FDD): royalty, marketing and other percent fees, per-room monthly fees, reservation and loyalty char…Reads private dataNo findings
Why it is in this group
- The name "get_franchise_costs" says "get": a word for reading.
What it can reach
- private-dataThe description's first sentence says "document": it reads documents.
Description, as the server wrote it One hotel brand's franchise costs from its filed franchise disclosure document (FDD): royalty, marketing and other percent fees, per-room monthly fees, reservation and loyalty charges, initial and transfer fee for a 60-room hotel, the Item 7 total investment range, FDD date, page references and the filing link. Give rooms and rooms revenue to get the yearly percent and per-room fees for your hotel.
Annotations the server declares
- title: Franchise fees for a hotel brand
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
get_sba_hotel_loan_termsThe SBA program terms motel.loans publishes for hotel and motel loans: SBA 7(a) maximum variable and fixed rates, loan and guaranty limits, equity, DSCR and maturity rules, FY 2027…No findings
Why it is in this group
- The name "get_sba_hotel_loan_terms" says "get": a word for reading.
Description, as the server wrote it The SBA program terms motel.loans publishes for hotel and motel loans: SBA 7(a) maximum variable and fixed rates, loan and guaranty limits, equity, DSCR and maturity rules, FY 2027 guaranty fees; SBA 504 structure, debenture limit, jobs rule, fees and the latest 25-year rate. Each with its SBA or source link and effective date.
Annotations the server declares
- title: SBA 7(a) and 504 terms for hotels
- readOnlyHint: true
- destructiveHint: false
- idempotentHint: true
- openWorldHint: false
This is not a safety rating, and no finding is not a safety guarantee. The groups and findings come from fixed checks of the tool definitions the server returned on the date shown, not from its code or what it does when called. How the checks work.
Exfil surface
Which tools read private data, which read text someone else can write, and which can send data out. One of each is a path a prompt injection can use.
No private-data, untrusted-input, outbound path in this server alone: no tool is tagged untrusted-input or outbound.
- Reads private data2
- Reads files, mail, messages, databases, secrets, calendars or repositories.
- Reads text others write0
- Brings in text someone else can write: web pages, inbound email, messages, issues and comments.
- Can send data out0
- Can carry data to people or systems: it sends, posts or publishes, or takes a recipient, channel or URL.
Other servers in the same agent add their own tools to these paths. Audit your whole setup to see them together.
Remote posture
What anyone on the internet sees at the remote endpoint: an anonymous initialize and tools/list, and the public OAuth metadata.
Looked at Nov 2, 2026, 00:20 UTC, unchanged since Nov 2, 2026. No credentials were sent and no tool was called. What is looked at.
- Reachable
- yes
- HTTP status of an anonymous initialize
- 200
- tools/list served without credentials
- yes
- Tools that change things, listed without credentials
- 1
- Protocol version
- 2025-06-18
- WWW-Authenticate on 401
- not observed
- resource_metadata in WWW-Authenticate
- not observed
- RFC 9728 protected resource metadata
- not observed
- Authorization servers
- not observed
- Legacy HTTP+SSE transport
- no
- Dynamic client registration
- not observed
- Client ID metadata documents
- not observed
- WarnThe whole server
The endpoint served tools/list without credentials, and the list has 1 tool that changes things (1 write). Whether a call also works without credentials was not tested: tools are never called.
What this check looks forMatched text
https://motel.loans/mcp: tools/list returned 4 tools to an anonymous client, including size_hotel_loan (write)
Findings
Matches of fixed checks, with the text they matched.
- Warnsize_hotel_loan
The server marks "size_hotel_loan" read-only (readOnlyHint: true), and its own name, description or input give the class "write".
What this check looks forMatched text
annotations: {"readOnlyHint":true,"destructiveHint":false,"idempotentHint":true,"openWorldHint":false}; The description's first verb is "run": a word for a change.
History
Changes to its tool definitions and to its remote endpoint, newest first.
No change seen yet. Its tools are rescanned every day, and a remote endpoint is looked at once a week.
Install
Pinned to version 1.2026.1101.1. Values in angle brackets are yours to fill in.
claude mcp add --transport http motel-loans https://motel.loans/mcpclaude mcp add --transport http motel-loans https://motel.loans/mcpRun in a terminal.
Claude Code permissions
Allow the reads, ask before a change or a way out, deny the deletes. Paste into .claude/settings.json.
{
"permissions": {
"allow": [
"mcp__motel-loans__get_franchise_costs",
"mcp__motel-loans__compare_franchise_costs",
"mcp__motel-loans__get_sba_hotel_loan_terms"
],
"ask": [
"mcp__motel-loans__size_hotel_loan"
],
"deny": []
}
}Tools that only read are allowed, tools that change things ask first, tools that delete or cancel are denied. A read that can send data out (it takes a URL, say) asks first too. It assumes the server is installed as motel-loans. Review it before you use it.
Capability tags behind 2 rules
- mcp__motel-loans__get_franchise_costs private-data
- mcp__motel-loans__compare_franchise_costs private-data
Pin
Keep the decision: fail CI when the tools change, follow every change, or show a badge.
Pin in CI
Fail a build when the tools you reviewed are not the tools the server serves today.
curl -s "https://anlyon.dev/api/v1/servers/loans.motel/motel-loans/verify?hash=a82080c6a06307938cd2aefa09e450615379546e867be4a2d8b90fd15238200e" | jq -e '.changed == false'Pinned hash a82080c6a063, from Nov 1, 2026, 22:18 UTC.
Watch
Get told when its tools change: a new tool, a new description, a new class.
https://anlyon.dev/servers/loans.motel/motel-loans/changes.xmlAn Atom feed. Works in any feed reader or Slack's RSS app.
Badge
[](https://anlyon.dev/servers/loans.motel/motel-loans)Source: MCP Registry. Synced Nov 1, 2026, 23:18 UTC.