Connect your bank once. Unlock better funding.
Your statements, documents and verifications land on their own. New Matrix AI reads the file, then matched lenders price it at the same time.
Soft data only until you apply. Checking never affects your credit.
Delgado Logistics LLC
Strong file. Most lenders will price this, and SBA Express is in range.
What affects thisMCA stack detected. 2 positions at about $4,200 a month. See what a consolidation, a payoff, or one more advance each do to that number.
What came back
Advance refinance offer from Harbor Point Capital.
- Advance$55,000
- Cost of capital$15,400
Count · total $70,400
4 offers are on your file. Cost figures are estimated from the offer terms. Nothing funds until you review and accept.
Compare and acceptWhat needs attention
- MCA stack detected2 positions at about $4,200 a month. See what a consolidation, a payoff, or one more advance each do to that number.Compare your options
Approvals
| Funder | Amount | Rate and term | Status | Open |
|---|---|---|---|---|
| Summit Ridge FundingTerm loan | $75,000 | 18.9% APR 24 mo term | Approved | View offer |
| Harbor Point CapitalAdvance refinance | $55,000 | 1.28× factor 12 mo term | Approved | View offer |
| Harbor Point CapitalAdvance refinance | $45,000 | 1.22× factor 9 mo term | Approved | View offer |
| Cedar Vale CapitalLine of credit | $40,000 | 22.5% APR 12 mo term | Approved | View offer |
Capital decision intelligence
Your file is routed and pricing. Here is the coverage behind it.
4 approvals on your file. 3 more boxes clear if you want them competed, ranked by your cost.
Your money picture
What your file supports
Your strongest fit looks like a secured line of credit.
Estimate from your statements, not an offer.
- Business line of creditCaution$0A stretch. Consider it only if the stronger options fall through.
Fintech line (Bluevine/OnDeck floors: 600-625 FICO, $10k+/mo, 12mo TIB). Draws repay 6-12mo; new NSFs freeze it.
Not recommended until the file is stronger. - Cash advanceCaution$24,000A stretch. Consider it only if the stronger options fall through.
5-8 mo, factor 1.35-1.45, daily remittance. At $24,000: ~$1,292/wk ($267/day equiv).
Not your first move on this file. - Secured line of creditModerate$38,000Workable, but usually costs more than a line of credit.
PG + lien on receivables/assets; 12-24 mo; prices under exception unsecured.
Optional. Cheaper if you have collateral to pledge. - SBA loanHigh riskNot sizedNot a fit yet. See what to fix below.
Statements alone can NEVER decide SBA: DSCR >=1.1-1.15 off EBITDA from tax returns [SOP 50 10 8]. Needs 2-3yr returns, P&L, debt schedule, use of funds. 30-90 day timeline.
Not recommended until the file is stronger. - Debt consolidationModerate$33,600Workable, but usually costs more than a line of credit.
Pay off existing positions, one lower combined pull; needs payoff letters from every funder.
Available based on your file.
Consolidate Stack 2 first. Effective APR drops from 84% to 10.5%, which clears the SBA 7(a) bar.
Estimated capacity
$24,000 estimated - grade cap is the binding cap.
Money in, month by month
What you owe, and what it takes
- MCA100%
- Monthly revenueBest$48,000
- Monthly obligations$4,200
Count · bars in proportion, full width is $48,000
Your open positions
- Trinity Bay Funding$38,000 left$120/day · factor 1.32
- Nueces Advance Group$22,000 left$80/day · factor 1.28
Read from your connected account. Model a consolidation to see one combined payment.
What your file screens into
The products your statements cannot price on their own. Your file clears the usual floors on 1 of 3. These are estimates from your own record, not approvals.
- Business credit cardTop card match: a likely fitStrong odds
- Term loanEst up to $40,000 · 30-50% APRFair odds
- Equipment financingNeeds what you would buyNeeds data
No partner publishes business credit card, equipment financing in TX yet, so a screen there cannot be routed today.
What the score is made of
Each bar is that factor's score out of 100, weighted into your readiness total.
Next moves to grow on better terms
- Compare approvalsLeverage what lenders approved
Compare recorded terms on total payback and daily load before you accept. A cheaper lane may already be on your file.
- Run exit mathExit the MCA stack
Stacked daily debits shrink room for cheaper capital. Run consolidation, payoff, and SBA-path math before adding another advance.
- See SBA gapsSBA may fit with caveats
Some gates are open, others need work — time in business, debt service, or MCA payoff. See what to fix before you apply.
- 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
One read-only connection and the file assembles itself: your statements and every covered month, the documents that stay on file for good, month-to-date activity, and the identity and entity check. No document chasing, nothing to type twice. Then New Matrix AI reads it, and it goes to the funders whose rules it clears.
The bank, connected once
Read-only through Plaid. We never see your login, and the connection itself cannot move money. The grant and the policy version you accepted are logged.
SampleReal product, seeded demo data
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.
SampleReal product, seeded demo data
Identity and entity, in the same pass
A government ID matched to a live selfie, and the legal name and EIN checked against the filing. Funders see the verified badge, never your selfie, and the ID photo itself only if you release it to them by name.
SampleReal product, seeded demo data
Scored before anyone else opens it
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.
SampleReal product, seeded demo data
Matched funders price the same file
The finished file reaches every funder whose box it clears, 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.
SampleReal product, seeded demo data
Never start another application from scratch
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. You do the first and the last
- 1
Connect once
YouRead-only access to the account. The only setup step.
SampleReal product, seeded demo data - 2
New Matrix AI prepares your file
New Matrix200 metrics read. Flags what could kill the file. Asks only when unsure.
SampleReal product, seeded demo data
- 3
Offers compete. You pick
YouCompare on total payback, e-sign in one place, and the rest close themselves.
SampleReal product, seeded demo data
- 4
Every matching lender sees it
New MatrixReaches every lender whose criteria your file clears, at the same time.
SampleReal product, seeded demo data
Six ways to fund a business. New Matrix finds the ones you qualify for
A source-labeled business-credit profile on your file — sample on demo accounts, dated and labeled when a bureau pull exists — so you know what a lender will see before they pull you.
92of 100Business creditSample · labeled by source when a pull exists
ExcellentSample Profile.ExploreSampleReal product, seeded demo data
Six things it does while you run the business
Not a chatbot. Once the file exists, New Matrix AI 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
When bureau contracts are live, PAYDEX, Experian and Equifax land labeled by source. Until then, the file still routes on bank data.
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 matching funder at once, and only after you authorize the share.
The industries banks decline are exactly who we serve
In all 50 states.
The engine behind your readiness score
Your data stays yours. Your deals stay yours
Read-only, revocable anytime. We never see or store the password.
The partner who brought the deal keeps it. No backdooring, no poaching, no one cut out.
Encrypted in transit and at rest, never resold or re-shopped. You decide who sees it.
See exactly who has your fileFree to use. No advance fees, ever
$0 to join, no card, no membership, no monthly feematched 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. Leaders get the spotlight and priority placement in merchant matches. After funding, merchants rate their funder - read how a desk treats people before you accept its offer.
Compete for the top spot- 1Top SBA partnerSBAPlatinum94
- 2Fast MCA funderMCAGold88
- 3Regional line lenderLines of creditGold79
- 4Equipment specialistEquipmentSilver68
Real rankings publish once 3+ partners have live activity. Earned, never bought: fund well and fast, and the top is yours.
Smarter capital decisions for growing businesses.
Know where you stand and get the capital that fits. Free to join. No advance fees, ever.
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