Frequently Asked

Free to use, and it stays free: joining, building your file, connecting a bank, your score, being routed to every matching funder, and comparing the offers that come back. No subscription, no advance fees, no invoices. One charge exists and it cannot happen before the money is in your account - 0.5% of what you are funded, ceiling 0.75%, charged to the payment method on your file once the money lands, or invoiced if you have not added one, and never on SBA loans or business credit cards.

We run a financing marketplace and are paid on the deal, at a fraction of street pricing: SBA 1% lender-paid, lines of credit and equipment 1% to 1.25% typical, term loans and consolidation 1% to 1.5% typical, MCA 2% typical (1% to 3% by deal terms) where a broker on the same paper takes 8 to 15 points, cards a flat $50 to $200 per approved account. Offers rank by your cost, compensation is disclosed, and the lender makes every credit decision.

No. Paid tiers only raise the daily New Matrix AI message limit. Routing and recommendations never change.

Minutes to create a profile. Bank sync and verification take longer, and every source shows its status until evidence arrives.

No. Your file goes only to matching funders on the platform. Nobody resells your number, and routed lenders work your file on the platform, not a dialer.

No. With your authorization we request business credit, not personal. Most business bureaus treat these checks as soft pulls.

With your permission and where enabled: business credit reports, bank transactions, uploaded statements, EIN-linked public records. Bank access is read-only through Plaid: we never see your login, and that connection cannot move money. After a deal funds, the disclosed platform service fee may be charged by ACH from the payment method on file, or invoiced if you have not added one.

No. Send your bank data once, by connection where it is available or by upload, and the platform reads the account, parses statements, and answers document requests from that data where it can.

Encrypted at rest (AES-256) and in transit (TLS 1.3), US data centers. Not yet SOC 2 audited, and we say so. Never sold; shared only per the Privacy Policy. Export or delete from Settings.

Yes. From the positions and payoff terms you provide or confirm, we price the exits: refinance, restructure, consolidate, or negotiate the payoff.

The workspace organizes every position you disclose and models consolidation scenarios. Real savings need a complete file and an actual offer.

Nothing. An advisor calls once your file is complete, maps the debt picture, and lays out the exit path. Compensation is disclosed; options rank by your cost.

We tell you straight, then show exactly what to fix: the score drivers, trade lines, or revenue thresholds between you and a yes.