Frequently asked.
Pricing, data, lender relationships, and how the platform actually works.
Is New Matrix Capital really free?
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Yes. The free tier never expires. You get score check, basic dashboard, 5 platform questions per month, and unlimited lender matching. We make money when a lender we recommend actually funds your deal, not from you.
Will checking my score hurt my credit?
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No. We pull business credit reports, not personal credit. Business credit checks have no impact on personal scores, and most business credit bureaus consider them soft pulls.
Are you a loan broker?
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No. New Matrix Capital is an AI software platform, not a licensed mortgage broker, financial advisor, fiduciary, or lender. The platform reads your business data, scores your file, and routes you to lenders likely to fund your deal. The lender makes the underwriting decision and extends the financing under their own agreements with you. We are paid by lenders, not by borrowers, and the matching model runs on fit before commission. Full disclosure is in the Terms of Service.
What data does New Matrix Capital actually pull?
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With your permission: business credit reports (Experian, Equifax, D&B), bank transaction history (via Plaid), and EIN-linked public records. We read. We never move money or make payments.
Can New Matrix Capital help me get out of an MCA?
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Yes. MCA Resolution is one of our core services. We map every active MCA, calculate true effective APR, and build the fastest exit path through refinancing, restructuring, or negotiated payoff.
I have multiple loans across different lenders. Can New Matrix Capital consolidate them?
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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. We model consolidation scenarios, identify which lenders will refinance the bundle, and build the payoff sequence that lowers your blended rate.
Do I need to upgrade to get real value?
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No. The free tier covers what most users need. Upgrade only if you want unlimited platform chat, deeper advisory, or multi-business management.
How long does setup take?
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Under two minutes. Sign up, connect EIN and bank, and the platform pulls everything else automatically. Your dashboard is fully populated by the time you finish reading the welcome screen.
Where is my data stored?
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Encrypted at rest in SOC 2 compliant US data centers. We never sell or share your data. You can export and delete your data at any time from Settings.