Frequently asked

Yes. The free tier never expires. You get the score check, the dashboard, 10 Marvin messages a day, and unlimited lender matching. We make money when a lender we recommend actually funds your deal, not from you.

We are compensated like a broker because partners pay us when a deal actually funds, but the rate varies by product and signed lender schedule. Our platform standard is 8%; MCA relief is 12% and can run up to 15% depending on deal terms; business card referrals are a flat bounty per approved account, typically $50 to $200. We behave differently: offers are ranked by real cost to you, the commission is disclosed on every deal, and you never pay us anything. The lender always makes the credit decision. Full disclosure is in the Terms of Service.

No. The free tier covers what most users need. Upgrade only if you want unlimited platform chat, deeper advisory, or multi-business management.

Under two minutes to start. Sign up, add EIN and business basics, then connect bank data or upload statements. Verified data appears as each source connects, and estimates stay labeled until then.

No. When bureau access is enabled and you authorize it, we request business credit reports, not personal credit. Business credit checks have no impact on personal scores, and most business credit bureaus consider them soft pulls.

With your permission and where enabled: business credit reports, bank transaction history, uploaded statements, and EIN-linked public records. Bank access is read-only - we never move money or make payments.

Encrypted at rest (AES-256) and in transit (TLS 1.3) in US data centers. We are not yet SOC 2 audited and we say so plainly on our security page. We never sell or share your data, and you can export or delete it anytime from Settings.

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.

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.

Nothing. A real advisor gets on the phone, maps your debt picture, and lays out the exit path. You do not pay us; lender or issuer compensation is disclosed, and the options are ranked by borrower cost.

The platform tells you that straight, then shows exactly what to fix - the score drivers, trade lines, or revenue thresholds standing between you and a yes.