AI financial intelligence for business funding.
Connect one bank. Compare offers on total payback. No advance fees.
Soft data only until you apply. Checking never affects your credit.
- Nothing to chase down
- The file fills itself from the account
- Know the true cost first
- Total payback, not a teaser rate
- Free to use, no credit impact
- No advance fees, no membership
One connection. Everything a funder asks for
Your bank records assemble the bank side of the file: deposits, debits and every covered month, with the advances already debiting the account counted. Add a government ID and a live selfie once, and the match is confirmed before funders treat the file as ready. No document chasing, nothing to type twice. Then New Matrix AI reads it, and it goes to the open funders whose rules it clears.
The bank file, built once
Deposits, debits and every covered month, read into one file that stays on record. Nobody asks for your bank login, and nothing on the file can move money.
Statements and every document, kept
Deposits, debits and every covered month, read straight off the account alongside the advances already debiting it. Anything you send stays on file for good. A month we cannot read says so instead of leaving a hole.
Identity and entity, in the same pass
You upload a government ID and a live selfie, with the business and its owner screened against the OFAC sanctions list, and the match is confirmed before funders treat the file as ready. Funders see the outcome on the file, never your selfie, unless you release the ID photo to them by name.
See what lenders see before they decline you
New Matrix AI scores the finished file and names what is missing while you can still fix it. A planning read, not a lender decision.
Matched funders price the same file
The finished file reaches every open funder whose criteria it fits, at the same time, and only after you authorize it. Who holds it and what you granted sits on one screen you can open any time. Offers come back and you compare them on total payback.
Fill it out once. Apply forever
The verified file stays yours and stays current. Every application after the first one starts from it instead of a blank form.
- BusinessOnce
- IdentityOnce
- BankKept current
- DocumentsOn file
- OwnershipOnce
- ConsentEvery time
Compare every offer on total payback
Amount, daily debit, net funded, and what you actually repay. Accept one. The rest close themselves.
After funding, lenders watch deposit trend, cash flow, bank switches, and any new position stacked on top. That is what a funder watches after the money goes out.
Four steps, and you only do two
- You
Your business, bank records and OK to share the file. The only form you fill out.
- New Matrix
It reads your statements and current advances, then shows what the file supports.
- New Matrix
Sent to every open partner desk your file clears, at the same time, under each state's licensing rules. Your identity stays locked until you accept an offer.
- You
Every offer side by side with its total payback. E-sign the one you accept; the others close on their own.
Six ways to fund a business. New Matrix finds the ones you qualify for
A business-credit profile on your file, labeled by source. When a bureau pull is on file, each value is dated and labeled with the bureau that returned it, so you know what a lender will see before they pull you.
ExploreSample. Real product, seeded demo data
Published rewards, intro APR, fees, and limits, compared in one pass.
Eligibility, the document checklist, and lender fit, before you apply.
Expected APR, term, payment, time to fund. Modeled in your numbers.
One complete file reaches every open matching funder at once. Offers come back competing on the same numbers, so you pick on total payback, not on who called first.
Every position mapped, true cost computed, the fastest way out modeled.
Six things it does while you run the business
Not a chatbot. New Matrix AI matches you to real lenders, and once the file exists it keeps working the account and tells you the day something moves.
Cash Forecast
Thirteen weeks of cash projected off your account. You know if a daily payment fits.
Credit Watch
Any bureau score on file is dated and labeled by source. Without one, the file goes out on bank data and your profile.
Position Watch
Every advance debiting the account, found and counted, including the new ones.
UCC Watch
When we have run a lien search, filings sit on your file. Manual searches our team records appear the same way.
Missing Pieces
The one document holding the file up, named. Not a generic list.
Sourced Answers
Every funding answer cites its written source. When data cannot answer, it says so.
Same application, two different processes
The old game runs on bought leads, blind shopping, and buried fees. New Matrix runs on your numbers.
Clearing a lender box is coverage, not an approval or a quote. The finished file reaches every open matching funder at once, and only after you authorize the share.
The industries banks decline are exactly who we serve
All 50 states, under state licensing rules.
The engine behind your Matrix Score
You decide who gets your file
Read-only, revocable anytime. We never see or store the password.
Nothing moves until you authorize it. Your file shows every funder that received it and what came back.
Encrypted in transit and at rest. Your application is never listed for sale: the Lead Marketplace here carries vendor inventory only, never a New Matrix merchant.
See exactly who has your fileFunders get your file, not your number.
Free to use. No advance fees, ever
$0 to join, no card, no membership, no monthly feeUnlimited lender matchingmatched to only what you qualify for$0 to compare offers, no advance fees
How our pricing worksNot here to borrow?
The platform has other sides. Pick the door that fits.
Lenders ranked on funding speed, offer rate, and volume
Scored on what they do here. Standing is visibility, never routing: which funders see your file is decided by their own box rules, and nothing a funder does or pays changes that. After funding, merchants rate their funder - read how a desk treats people before you accept its offer.
Earned, never bought: fund well and fast, and the top is yours.
Rolling 90-day window, a minimum field of 3 active desks. Method v2026.09.07, weights on the partners page.
Compete for the top spot
Smarter capital decisions for growing businesses.
Know where you stand and get the capital that fits. Free to join. No advance fees, ever.
Start my file