Frequently Asked

Free to use, and it stays free: joining, building your file, connecting a bank, your score, being routed to every open funder you match, and comparing the offers that come back. No subscription, no advance fees, no invoices before funding. One charge exists and it cannot happen before the money is in your account - 0.5% of what you are funded, ceiling 0.75%, debited by ACH from the bank account on file under your authorization, or invoiced if you have not authorized that debit, 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. If a card issuer pays us for an approved account, it is a flat bounty, typically $50 to $200, disclosed before you apply; it never changes your rate. 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. Nothing here touches your personal credit. Business credit is a separate check you authorize on your own file, and business bureaus treat it as a soft inquiry.

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 debited by ACH from the bank account on file under your authorization, or invoiced if you have not authorized that debit.

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 in SOC 2 audited US data centers (AES-256), and in transit (TLS 1.3). New Matrix itself is 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.

Yes. Debt consolidation is a core service. We map every active obligation across MCAs, term loans, lines of credit, and equipment financing into a single picture and model consolidation scenarios. Real savings need a complete file and an actual offer.

No. The read runs on your file whether or not anyone calls you, and an advisor reads the same file you can open yourself. A call is optional and never changes how your options rank: by your total cost, with our compensation disclosed.

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