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MCP for commercial lending and brokers

Find refinancing opportunities before the application arrives.

DataGardener MCP lets a commercial lender's or broker's AI agent query UK charge history, lender relationships, filed financials, ownership and director changes in one place. The agent returns candidate borrowers with the evidence and source dates behind each signal, so origination and portfolio teams act on investigation rather than instinct.

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Trust proof for lending buyers

  • Allica Bank
  • Big Society Capital

Logos indicate organisations using the DataGardener platform, as shown on datagardener.com. They do not indicate use of DataGardener MCP.

The problem

Where the research goes today.

  • Opportunities hide in charge registers

    Refinancing windows open when a charge ages, a lender exits a sector or fixed assets grow. Spotting that across thousands of companies by hand is not practical.

  • Borrower research is slow and scattered

    A borrower brief pulls from Companies House, filed accounts, the PSC register, the charges register and the lender's own notes. Analysts rebuild it every time.

  • Portfolio monitoring is reactive

    Director resignations, new charges with other lenders, late filings and ownership changes are visible in public data long before a covenant breach.

Example questions

Ask it the way you would ask an analyst.

  • “Which manufacturing businesses around Birmingham may be approaching a refinancing opportunity?”
  • “Which companies in my portfolio registered a new charge with another lender this quarter?”
  • “Show businesses with rising trade debtors and no invoice-finance facility in the South West.”
  • “Which asset-heavy companies had a charge satisfied in the last six months?”
  • “Build a borrower brief for these three registration numbers.”

Intelligence layers needed

The layers an agent draws on for lending work.

Example MCP workflow

How the investigation runs.

  1. 1. Ask

    A relationship manager asks for refinancing candidates in a region and sector.

  2. 2. Investigate

    The agent queries charges, financials, PSC and officers through the entitled DataGardener modules.

  3. 3. Connect

    Signals are joined on registration number so every candidate carries its own evidence.

  4. 4. Brief

    The agent returns a ranked list with sources and dates, then drafts a borrower brief for the top candidates.

Choose a question

Question

Which manufacturing businesses around Birmingham may be approaching a refinancing opportunity?

Stage 1 of 5

Understanding the request

The agent breaks the question into the conditions it must satisfy.

  • Geography: Birmingham and surrounds
  • Sector: manufacturing
  • Charge age
  • Lender relationship
  • Financial trend

Each condition maps to one or more DataGardener intelligence layers. Nothing is guessed: if a condition cannot be evidenced, the agent says so.

  • Company Intelligence
  • Lending
  • Financial Intelligence
  • Risk
  • Ownership
Read this investigation as text

Question: Which manufacturing businesses around Birmingham may be approaching a refinancing opportunity?

Intent: Geography: Birmingham and surrounds; Sector: manufacturing; Charge age; Lender relationship; Financial trend.

Tools selected: execute_query, search_ukgaap, search_psc.

Modules queried: Company index (Manufacturing SIC codes within Birmingham postcode districts, live: 3,912 candidates); Company index (charges) (Charge created 36 to 60 months ago, not satisfied, no newer charge: 318 match); UK GAAP financials (Turnover stable or growing, fixed assets rising: 142 match); PSC index (No change of control in last 24 months: 131 shortlisted).

Evidence connected: Charge date and charge holder from the charges register; Fixed-asset growth from the balance sheet; Ownership stability from the PSC register.

Answer: 131 Birmingham-area manufacturers hold a secured facility between three and five years old with no newer charge, stable ownership and rising fixed assets. These are the conditions under which a refinancing conversation is most often welcome.

Provenance: Source Companies House charges and accounts; PSC register; date Charges to Oct 2026; accounts to 2025; module Lending, Financial, Ownership; usage 131 company records.

Suggested next questions: Rank by total secured debt / Which have asset-finance charges specifically? / Build a borrower brief for the top five

Every answer arrives with its provenance

SourceNamed register or filingDateDate of the underlying documentModuleLending, Financial, CompanyCRNRegistration numberUsageReported per call

Time-saving logic

Where the time goes today

Prospect research, charge-register checks and borrower briefs are repeated, manual and multi-source. If an origination team spends hours a week on them, an agent that performs the investigation and shows its working can recover a large share of that time. Use the calculator with your own numbers; nothing here is a guarantee.

Assumptions (edit any of them)

Analysts, relationship managers, procurement officers or researchers.

Supplier checks, borrower briefs, market lookups, due-diligence reports.

min

Time across databases, exports, spreadsheets and cross-checking.

£

Salary plus on-costs, per hour.

%

Your estimate. The agent does the gathering and cross-referencing; people keep the judgement.

Estimated outcome

Monthly research hours today
162
Hours potentially recovered per month
97
Annual capacity recovered
1,169 h
about 0.7 full-time equivalents
Estimated productivity value per year
£52,609

This is an estimate computed only from the assumptions you enter, using 4.33 weeks per month and 1,650 working hours per full-time equivalent. It does not include DataGardener MCP costs and is not a guarantee of savings. Validate the acceleration share with a pilot before relying on it.

Relevant proof

Evidence and illustrative workflows.

All case studies
Existing DataGardener case study

Data-driven success for Allica Bank's SME strategy

Allica Bank · Financial services

Allica Bank used DataGardener to identify and reach a target population of around 500,000 UK SMEs for its relationship-banking proposition.

target SMEs identified
~500,000
monthly customer enquiries from day one, per Allica
Doubled
“The volume of customer inquiries coming through the door pretty much doubled every month from day one.”
Conrad Ford, Chief Product and Strategy Officer, Allica Bank
Outcome of the DataGardener platform and Lending Intelligence, not of DataGardener MCP. Source
Existing DataGardener case study

How a broker closed 37 invoice finance deals with Lending Intelligence

UK invoice finance broker (unnamed) · Commercial finance

A UK invoice finance broker used real-time charge signals and direct contacts to find companies with financing needs earlier.

invoice finance deals in 12 months
37
“Thanks to DataGardener's Lending Intelligence, we find companies with genuine financing needs earlier than ever. The real-time charge signals and direct contacts helped us close 37 deals in a year.”
UK invoice finance broker
Outcome of the DataGardener Lending Intelligence, not of DataGardener MCP. Source
Existing DataGardener case study

Commercial finance broker closes seven deals in two weeks

Independent commercial finance broker, Ilford · Commercial finance

An independent broker closed seven clients within two weeks of onboarding: three trade finance, two FX and two invoice-finance refinances.

deals in the first two weeks
7
Outcome of the DataGardener Lending Intelligence, not of DataGardener MCP. Source
Existing DataGardener case study

Wales broker cuts prospect research time

Four-person invoice finance broker, Wales · Commercial finance

A small Welsh brokerage replaced manual prospect research with DataGardener prospect lists built in under 30 seconds.

to build a prospect list
<30s
return on investment reported
~3x
Outcome of the DataGardener platform, not of DataGardener MCP. Source
Illustrative MCP workflow

Refinancing radar for a regional lender

Illustrative workflow · Lending

An agent runs a weekly question across a lender's target region: companies with a charge three to five years old, stable ownership and rising fixed assets. It returns a ranked list with charge holder, date and the evidence behind each entry, then drafts a borrower brief for the top ten.

scheduled question
Weekly
intelligence layers used
4
  • Lending
  • Financial
  • Ownership
  • Company
Illustrative workflow. Not a customer claim.

Lending: frequently asked questions

Does DataGardener MCP show which lender holds a charge?

Yes. Registered charges carry the charge holder, creation date and satisfaction date from the Companies House charges register, which is exposed through the company index query tools.

Can the agent monitor a portfolio?

The agent can run the same question on a schedule and compare results, for example new charges, director resignations or late filings for a list of registration numbers. Scheduling depends on your agent platform.

Is DataGardener assured for financial-services suppliers?

DataGardener is registered on FSQS, the Financial Services Qualification System used by participating UK financial institutions, and holds ISO/IEC 27001 and Cyber Essentials certification.

Does an existing lending customer get MCP access?

MCP access is entitled per customer. Speak to DataGardener about adding agent access to an existing platform agreement.

Your agents already know how to think.Give them something worth knowing.

Built on DataGardener intelligence already used by leading UK organisations.

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