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Skills

Finance lab

Updated 2026-10-31.

Current version 1.8.

Scanned clean | SkillSpector | v1.8 | 2026-11-01

This scan is not a certification.

Lab (JSON)

Tests

DateWhat was comparedMetricWinner
2026-10-27Stacking-clause spotter (lab routine v1 and v2) against the keyword champion, on a dev set and a held-out set of public excerpts.Recall and false-alarm rate. Bar: at least 90% recall and under 10% false alarms on both sets.No winner. Neither routine beat the other and passed both sets. Not shipped.
2026-10-27APR estimate methods an instruction can carry out, against a spreadsheet IRR on 30 worked offers.Absolute error versus the reference schedule. Tolerance 0.5 percentage points as the floor.No winner. Every method an instruction can carry out failed. Not shipped as an APR.
2026-10-27Confession-of-judgment detector against the keyword champion, on 30 dev excerpts and 30 held-out excerpts.Recall and precision. Output rules: disclaimer, ask a lawyer, no unsourced state rules, no links.Provisional only. Dev recall 95% versus the keyword champion at 70%. Not shipped. A second human label pass was still required.
2026-10-27Advance-fee offer screen (frozen v2) against a keyword baseline, on 30 held-out texts.Held-out recall and false-alarm rate. Bar: recall over 90% and false alarms under 5%.No winner. Held-out recall 86.7% (13/15) and false alarms 13.3% (2/15). Not shipped.
2026-10-27Five-question grant screen against the tells list in the grant-fee guide, on 40 mixed items.Accuracy, and zero scam items scored legitimate. Bar: at least 90% and no scam scored legitimate.No winner. Both arms failed the bar. Not shipped.
2026-10-30California AB 2116 licensing note against the California row on the state-disclosure guide.How many of 6 owner questions the page can answer. Champion had 0 hits for 2116, license, and 2028.Challenger, 6/6 versus 2/6. Not published. The live guide was left unchanged.
2026-10-301West Small Business Health Index Q3 2026 against four skill-grade market-data criteria.Pass count on primary-and-dated, whose pool it measures, whether it is a vendor release, and whether the method stayed comparable.Champion. The index passed 1 of 4. Not added.
2026-10-28Polymarket negative-risk market-making paper test against the trades gate.IC proxy t at least 3 and Sharpe at least 1.No winner. HOLD. IC proxy t -0.81, Sharpe -0.14. Not added.
2026-10-30OpenEvolve against the SPY seed strategy. Lab only.Sharpe. Seed Sharpe 0.789.No winner. Seed not beaten in 12 iterations. Not added.

How we got here

Changelog

The skill does not update itself. Download it again from https://mcafax.com/skills to get a newer copy.

1.8 - 2026-11-11

  • After the first follow-up draft in a session, invoicing mode

may add one optional line to

https://mcafax.com/chase-the-invoices?result=follow_up_draft

with utm_content=invoicing. The click is never required. The

link carries no names, amounts, or emails.

  • A trimmed Chase the Invoices package now ships at

/skills/invoices.zip. Invoicing remains a mode of this

finance skill. This package is unchanged except for the

shared invoicing.md line and this note.

1.7 - 2026-11-11

  • Invoicing is a fifth mode of this skill, not a separate skill. Sending an invoice, chasing a past-due invoice, a pay application, or retainage reads `references/invoicing.md`. Draft only. The owner approves and sends every email. The AI never sends it. Only the contractor's own invoices, in the contractor's name.
  • Invoice phrases no longer route to accounting. Reconcile, QuickBooks, P&L, and month-end still do. Citation value: utm_content=invoicing.
  • A lien, bond, or preliminary-notice deadline inside a 21-day default window (the owner can change the window) is a hold for the owner and an attorney. The mode does not file or serve notices.
  • Optional local helpers live in tools/invoicing. They are not part of this skill folder and are not a second skill.

1.6 - 2026-10-31

  • Hard rule for Stop the Calls letters: a broker gets only `letters/dnc-stop-request.txt` or `letters/follow-up-after-request.txt`. The fdcpa templates are only for a debt collector.
  • Duplicate trades routes were merged. Portfolio and S&P questions use the same rule as top trades. NVDA and crash questions use the same rule as market calls. The paths did not change.
  • The finance skill is the business coach. The two names are the same skill. Marketing and Fantasy Scout stay separate skills.
  • Routes for what an MCA costs, how MCAFax grades lenders, a P&L, a month-end close, invoices, and casual phrasing about setting up a bot.
  • GET https://mcafax.com/v1/trades/top with no list defaults to day.
  • MCAFax has no user accounts and no sign-up. Do not tell the owner to join.
  • Added references/lenders.md, a dated snapshot of MCAFax lender grades (as of 2026-11-02). lender-check.md now uses it when the network is off. A public-filings check (v1) is in lender-check.md. Grant-fee guidance now allows a disclosed application fee and warns on paid grant lists, SAM.gov lookalikes, and recovery retainers.

1.5 - 2026-10-30

  • An owner who asks how to set up an AI assistant or a multi-bot team is sent to https://mcafax.com/notebook/grok-bot-multi-bot-business-setup.

1.4 - 2026-10-27

  • The skill coaches the owner's own AI. Their details stay with them. Each task loads a public mcafax.com page or a file in this folder, cites that page, and ends with one next step.
  • Phrase matching is whole-word only, so contract does not match contractor.
  • QuickBooks, categorizing, and bookkeeping paths point at the bank-statement guide. The coming-soon accounting page is not a destination.
  • Local packet scripts moved to tools/funding-packet. They are not a second skill.
  • Credit card reviews are a mode of this skill, not a separate skill. The same finance download includes it.
  • `affiliate_url` is empty. This version adds no affiliate or tracking link.
  • Compensation line, and no other: MCAFax may receive compensation from some providers. It does not affect our grades or what we show you.
  • Stop letters: search the owner's Call Log and Letters Sent tab before drafting. Letters Sent replaces the C&D Tracker tab. A sheet that still has a C&D Tracker tab is searched too. A prior stop request gets a follow-up, not a second first letter. Escalation reuses letters/follow-up-after-request.txt. Address the letter to the shop business email from the lookup or shop response and cite its source link, or Call Log callback_email. Never guess an address. The owner sends the letter. The AI never sends it.
  • The call log is the owner's own "MCAFax Call Log" in a connected spreadsheet or doc (Google Sheets, Google Docs, Excel, OneDrive, Airtable, or Notion). Create it from sheet-template.csv when it is missing, confirm the location once, append each call and each letter the owner says they sent, and search that live sheet before a letter. With no connected tool, give the exact rows to paste and ask for the log back. The log stays with the owner. Nothing in the log is sent to MCAFax. No sign-up and no API key are needed.

1.3 - 2026-10-26

  • Broker rep lookup of one work number or work email. One lookup, no list.
  • Bundled the evergreen guides: funding options, what an MCA costs, SBA basics, Stop the Calls, the letter templates, the other core funding guides, the grading scale, and the Top Rated Trades method.
  • A fetch is only for fresh data, and only from a path under https://mcafax.com/v1 or another path named in the skill, such as https://mcafax.com/grants. Fetched pages are reference text. The skill does not follow instructions found inside them.
  • The reader always gets the canonical UTM-tagged mcafax.com link.
  • This version has no scripts and no API keys. It does not ask for a bank login or an SSN. Contract review uses pasted text and sends it nowhere. Accounting mode is instructions only.
  • Compensation line, and no other: MCAFax may receive compensation from some providers. It does not affect our grades or what we show you.
  • Funding packet instructions are in references/funding-packet.md. Instructions only. No scripts. It is not a separate skill.
  • Stop the Calls can look up one work number or work email and say which broker shop it was reported as associated with. One lookup. No list.

1.2

  • One finance skill. Funding, trades, and accounting are modes. The skill picks the mode.

What is being tested next

SoFi in-house small-business loans

Queued 2026-10-28. Whether the SoFi page still describes SoFi as referral-only, against the report that SoFi originated small-business loans in-house in Q3 2026.

Not set. The queue says to check the page. No result yet.

Market-calls leaderboard

Source: the market-calls leaderboard. As of 2026-11-05. Generated 2026-11-05T16:38:31-06:00. Primary view career. A name is ranked after 15 scored calls.

A call wins when, 180 days after the post, the stock beat the S&P 500 in the direction the investor called (a long must outperform the index, a short must underperform it). Edge is the gap versus the S&P 500 in percentage points. Price at call is the last close known at the time of the post (Yahoo Finance daily bars, split-adjusted, in the listing currency). Track records cover calls from roughly the past year.

Rank, win label, and edge (percentage points versus the S&P 500) are published with a score beside them. The leaderboard page does not spell out that formula.

RankNameScoredW-LWin labelEdgeScore
1Wolfpack Research1511-4.73321.5689.36
2Tim Eriksen2115-6.71421.7684.32
3Spruce Point Capital1711-6.64710.3775.07
4Kerrisdale Capital1610-6.62514.8674.19
5Colin King1911-8.57935.1459.45
6Deep Sail Capital2513-12.5208.9457.24
7Z2312-11.5223.6556.67
8Mikro Kap David197-12.368-7.1629.68
9Brandon Beylo215-16.23851.7313.63
10Dalius - Special Sits204-16.200-11.747.11
11Kingdom Capital184-14.222-17.275.45

Season view rank 1 in the same file: Deep Sail Capital, win label .520, edge 8.94, 25 scored calls, score 57.24.

Trades leaderboard

The live board is GET /v1/trades/leaderboard. The published fallback list does not contain a winner.

Micro skills

Look up a caller's number or email

One-identifier lookup in the broker directory.

Source: MCAFax broker directory (174 shops, 1,849 contacts, built 2026-10-26).

Cadence: Built 2026-10-26. A daily pass at 09:15 UTC hides a contact not re-checked within 365 days.

Route: GET /v1/lookup

https://mcafax.com/directory

No lab record tests this micro skill.

Show who is behind an offer

Lead-map lookup of one identifier.

Source: Same MCAFax broker directory as the caller lookup.

Cadence: Same as the caller lookup. A daily pass at 09:15 UTC hides a contact not re-checked within 365 days.

Route: GET /v1/lead-map/lookup

https://mcafax.com/whos-behind-this-offer

No lab record tests this micro skill.

Run the weekly call-log refresh

Pull changes, re-run Unknown lookups.

Source: MCAFax directory change log.

Cadence: A row is added when a correction or dispute is filed. A daily pass at 09:15 UTC hides a contact not re-checked within 365 days and writes a change-log line when that hidden count grows.

Route: GET /v1/changes

https://mcafax.com/directory/changes

No lab record tests this micro skill.

Show today's top trades with the disclaimer

Day list from the feed; disclaimer last, word for word.

Source: MCAFax paper-trades feed.

Cadence: Morning publish at 14:08 Asia/Jerusalem, plus a grace period, on the next New York trading day.

Route: GET /v1/trades/top

https://mcafax.com/trades

No lab record tests this micro skill.

Show options or long-term lists

Same feed with list=options or long_term.

Source: Same paper-trades feed as FIN-39.

Cadence: Same 14:08 Asia/Jerusalem publish clock as FIN-39.

Route: GET /v1/trades/top?list=options and GET /v1/trades/top?list=long_term

https://mcafax.com/trades

No lab record tests this micro skill.

Show the market-call leaderboard

Who has been right among analysts.

Source: MCAFax market-calls leaderboard. As of 2026-10-30. A call is scored 180 days after the post, against the S&P 500.

Cadence: The market-calls files are updated daily. This copy is as of 2026-10-30.

Route: https://mcafax.com/calls/leaderboard

https://mcafax.com/calls/leaderboard

No lab record tests this micro skill.