Built by someone who saw the industry from the inside
This whole industry runs on information asymmetry. We exist to close the gap.
Noah Haim spent years inside the merchant cash advance industry, working at firms that prioritized their commissions over the merchants they pretended to serve. He bounced between offices, watched the same predatory playbook on repeat (stacked advances, hidden fees, sales scripts built to override hesitation), and walked away.
New Matrix Capital is what he built instead: a platform that hands merchants the same data, math, and reasoning that lenders use to make decisions about them. No commissions hidden from borrowers. No scripts. No bouncing offices. Just the truth, in plain English.
Four principles, no exceptions
Built by an insider
Not built by someone guessing at the problem from the outside. Years inside MCA brokerage offices, watching the playbook from the desk it runs from.
Borrowers never pay
No fee for the score check, the application, the matches, or the funded deal. Lenders pay us, and only when a deal funds.
We show the math
The same readiness signals, lender box-rules, and effective-APR math the lenders run on the back end. You see what we see.
No scripts, no pressure
No cold calls. No manufactured urgency. No commission hidden inside the rate. The reasoning is visible end to end.
The owners on the other side of the gap
Restaurants, shops, trucks, salons, clinics, and contractors. The small-business owners this platform was built to hand the same data, math, and reasoning the lenders already hold.
Close the information gap
The small business capital market is roughly a half-trillion dollars and largely opaque. Most owners shop blind, take what they are offered, and learn the true cost of the capital months later.
We connect each merchant to the same readiness signals, lender box-rules, and APR math that the lenders themselves run on the back end. Borrowers see what we see, in plain English. The result is decisions made on facts, not on a sales rep's quota.
Your numbers come from connected bank data, uploaded statements, authorized bureau pulls when available, and clearly labeled estimates instead of guesses. The connection to your bank uses bank-grade security, and your data is encrypted the entire way through. We read it to score your file. We never move a dollar.
Want to see exactly how the money flows?
We publish our commercial model in full, and we explain exactly what separates us from the broker industry. Reach us at info@newmatrix.capital.