diff --git a/server.lua b/server.lua
index 531b2e7..f2457f1 100644
--- a/server.lua
+++ b/server.lua
@@ -1066,6 +1066,46 @@ if WINDOWS then
     })
 end
 
+-- ---- host-local tool plugins (issue #22) ----
+-- Load every .lua file in LMCP_TOOLS_DIR (default /opt/lmcp/tools.d on POSIX,
+-- %ProgramData%\lmcp\tools.d on Windows). Each file is invoked as a function
+-- receiving the configured `server` instance and the `run` helper:
+--
+--     local server, run = ...
+--     server:tool("my_local_tool", "...", {...}, function(a) return run(...) end)
+--
+-- This is the standard plugin pattern (nginx conf.d/, systemd-tmpfiles.d, …).
+-- Hosts can ship their own tools alongside the packaged generics without
+-- forking the upstream server.lua.
+local plugin_dir = os.getenv("LMCP_TOOLS_DIR")
+    or (WINDOWS and (os.getenv("ProgramData") or "C:\\ProgramData") .. "\\lmcp\\tools.d"
+                 or "/opt/lmcp/tools.d")
+local list_cmd = WINDOWS
+    and ('dir /b "' .. plugin_dir .. '\\*.lua" 2>nul')
+    or  ('ls -1 "'  .. plugin_dir ..  '"/*.lua 2>/dev/null')
+local lh = io.popen(list_cmd)
+if lh then
+    for path in lh:lines() do
+        -- On Windows `dir /b` emits bare filenames; prefix the dir.
+        local full = path:match("[/\\]") and path
+                  or (plugin_dir .. (WINDOWS and "\\" or "/") .. path)
+        local chunk, err = loadfile(full)
+        if chunk then
+            local ok, perr = pcall(chunk, server, run)
+            if ok then
+                io.stderr:write("lmcp: loaded plugin " .. full .. "\n")
+            else
+                io.stderr:write("lmcp: plugin " .. full .. " errored: "
+                    .. tostring(perr) .. "\n")
+            end
+        else
+            io.stderr:write("lmcp: plugin " .. full .. " load error: "
+                .. tostring(err) .. "\n")
+        end
+    end
+    lh:close()
+end
+
 local transport = os.getenv("LMCP_TRANSPORT") or "http"
 if transport == "stdio" then
     if os.getenv("LMCP_PORT") then