Built by someone who saw the industry from the inside.
This entire industry runs on information asymmetry. New Matrix Capital exists to close that 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. After bouncing between offices and watching the same predatory playbook on repeat - stacked advances, hidden fees, sales scripts designed to override hesitation - he 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.
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.
No fee for the score check, the application, the matches, or the funded deal. Lenders pay us, and only when a deal funds.
The same readiness signals, lender box-rules, and effective-APR math the lenders run on the back end. You see what we see.
No cold calls. No manufactured urgency. No commission hidden inside the rate. The reasoning is visible end to end.
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.
We rely on bureaus for credit data, Plaid for bank connectivity, Stripe for payments, Supabase and Vercel for infrastructure, Resend for transactional email. Each of these companies has audit and compliance posture we inherit; we add our own practices on top.
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.
Operating remotely. Reach us at info@newmatrix.capital.