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Yacht.loans MCP server

Which MCP servers are Yacht.loans's own, from the official registry and from asking its own domain, whether they answer, and what they offer. A program checked each of these, nobody copied them from a product page.

read 2026-11-01

← Back to Yacht.loans

Whose server it is
  • Registry nameloans.yacht/yacht-loansverified in the MCP registry

The registry name sits under yacht.loans. The registry only lets a publisher use that namespace after proving control of the domain through DNS or HTTP.

When we asked itchecked 2026-11-01
  • Stateanswerschecked 2026-11-01
  • Tools4
  • Server calls itselfyacht-loans
  • Server version1.0.0
  • Protocol version2025-06-18

On 2026-11-01 the server answered initialize and tools/list without a sign-in. First answer in 188 ms.

Should an agent connect itNot proven either way yet
  • Its tools do every use case we checked: estimate monthly payment with balloon, sales tax and insurance; compare shorter terms and the balloon each leaves behind; check state boat sales tax before choosing where to buy.
  • Checked on 2 of the 7 days it takes to judge reliability.

Once connected

  • For "estimate monthly payment with balloon, sales tax and insurance", the likely first call is calculate_boat_loan.
  • For "compare shorter terms and the balloon each leaves behind", the likely first call is calculate_boat_loan.
  • For "check state boat sales tax before choosing where to buy", the likely first call is get_boat_sales_tax.

Said by rules from the measurements above. The likely first call is a model's pick from the tool list; read its description before relying on it.

Measured dailydaily checks: 2, the first on 2026-11-01
  • INITE MCP scoreafter a weeka score needs 7 daily checks: 2 so far
  • What an agent can do with it3 of 3 use cases
  • Answeredmeasuring2 of the 7 daily checks it takes to print a share
  • Median first answer441 ms
  • Space in an agent's context≈ 1,310 tokensthe definitions of all its tools (4), which an agent carries on every turn
  • Tool definitionsA · 100 of 100
  • Typed results0 of 4 toolsdeclared outputSchema: results come typed, read once
  • Every tool passes all six checks.

What an agent can do with it

  • can do · estimate monthly payment with balloon, sales tax and insurance
  • can do · compare shorter terms and the balloon each leaves behind
  • can do · check state boat sales tax before choosing where to buy

Each of the product's use cases, put to Jev against this server's tool list: can an agent do it with these tools?

Worth a look

None of the five warning signs in these definitions.

A program checks the server once a day: initialize and tools/list, no model. Tokens are the definitions' length at about four characters a token. The grade averages six checks of every tool's name, description, schema and annotations; it says how well the tools are described, not whether they work. The score weighs what was measured and nothing else: answering (25%), doing the product's job (25%), definitions (20%), context (10%), use (10%) and how readily a client connects (10%). A part that was not measured is left out, and a hidden instruction caps the score at 40. The state of vendors' MCP servers: method and numbers →

Tools it offers4 tools · read 2026-11-01
  • calculate_boat_loan

    Runs the yacht.loans boat loan calculator on your numbers: monthly loan payment, payment with insurance, amount financed, balloon left at the end when payments are figured over more years than the term, interest over the term, sales tax…

  • get_boat_sales_tax

    The boat sales or use tax rule yacht.loans has confirmed for a state from its statute or tax agency: rate, cap, exemptions or special tests (such as California's 12-month test or Florida's $18,000 cap), the citation, source URL and the…

  • list_boat_lender_terms

    What banks, credit unions, marine lenders and brokers publish on their own boat loan pages, as read by yacht.loans: rate ranges with their dates, loan amounts, longest terms, down payment and boat age or size rules, with each lender's…

  • estimate_uscg_documentation_fees

    Adds up the Coast Guard NVDC fees (46 CFR 67.550) to document a financed recreational boat: Abstract of Title, initial certificate or exchange into your name for 1 to 5 years, bill of sale and preferred mortgage recording by page count…

How to connect

Add the server to your MCP client config. Claude Desktop, Cursor and most other clients read this shape:

{
  "mcpServers": {
    "yacht-loans": {
      "type": "http",
      "url": "https://yacht.loans/mcp"
    }
  }
}

Add it

Claude Code, in a terminal

claude mcp add --transport http yacht https://yacht.loans/mcp

Add to CursorAdd to VS Code

claude.ai, ChatGPT and other clients: add https://yacht.loans/mcp as a custom connector in the settings.

Each line is something a program found when it went looking: the registry entry, the server's own answer, a spec that parses. A missing line means we did not find it, not that it does not exist.