Three things that change the math
New Matrix AI organizes your numbers. Complete applications route to every partner whose published criteria they match, and returned offers are ranked by what they actually cost.
Delgado Logistics LLC
Strong file. Most lenders will price this, and SBA Express is in range.
What affects thisMCA stack detected. 2 positions at about $4,200 a month. See what a consolidation, a payoff, or one more advance each do to that number.
What came back
Advance refinance offer from Harbor Point Capital.
- Advance$55,000
- Cost of capital$15,400
Count · total $70,400
4 offers are on your file. Cost figures are estimated from the offer terms. Nothing funds until you review and accept.
Compare and acceptWhat needs attention
- MCA stack detected2 positions at about $4,200 a month. See what a consolidation, a payoff, or one more advance each do to that number.Compare your options
Approvals
| Funder | Amount | Rate and term | Status | Open |
|---|---|---|---|---|
| Summit Ridge FundingTerm loan | $75,000 | 18.9% APR 24 mo term | Approved | View offer |
| Harbor Point CapitalAdvance refinance | $55,000 | 1.28× factor 12 mo term | Approved | View offer |
| Harbor Point CapitalAdvance refinance | $45,000 | 1.22× factor 9 mo term | Approved | View offer |
| Cedar Vale CapitalLine of credit | $40,000 | 22.5% APR 12 mo term | Approved | View offer |
Capital decision intelligence
Your file is routed and pricing. Here is the coverage behind it.
4 approvals on your file. 3 more boxes clear if you want them competed, ranked by your cost.
Your money picture
What your file supports
Your strongest fit looks like a secured line of credit.
Estimate from your statements, not an offer.
- Business line of creditCaution$0A stretch. Consider it only if the stronger options fall through.
Fintech line (Bluevine/OnDeck floors: 600-625 FICO, $10k+/mo, 12mo TIB). Draws repay 6-12mo; new NSFs freeze it.
Not recommended until the file is stronger. - Cash advanceCaution$24,000A stretch. Consider it only if the stronger options fall through.
5-8 mo, factor 1.35-1.45, daily remittance. At $24,000: ~$1,292/wk ($267/day equiv).
Not your first move on this file. - Secured line of creditModerate$38,000Workable, but usually costs more than a line of credit.
PG + lien on receivables/assets; 12-24 mo; prices under exception unsecured.
Optional. Cheaper if you have collateral to pledge. - SBA loanHigh riskNot sizedNot a fit yet. See what to fix below.
Statements alone can NEVER decide SBA: DSCR >=1.1-1.15 off EBITDA from tax returns [SOP 50 10 8]. Needs 2-3yr returns, P&L, debt schedule, use of funds. 30-90 day timeline.
Not recommended until the file is stronger. - Debt consolidationModerate$33,600Workable, but usually costs more than a line of credit.
Pay off existing positions, one lower combined pull; needs payoff letters from every funder.
Available based on your file.
Consolidate Stack 2 first. Effective APR drops from 84% to 10.5%, which clears the SBA 7(a) bar.
Estimated capacity
$24,000 estimated - grade cap is the binding cap.
Money in, month by month
What you owe, and what it takes
- MCA100%
- Monthly revenueBest$48,000
- Monthly obligations$4,200
Count · bars in proportion, full width is $48,000
Your open positions
- Trinity Bay Funding$38,000 left$120/day · factor 1.32
- Nueces Advance Group$22,000 left$80/day · factor 1.28
Read from your connected account. Model a consolidation to see one combined payment.
What your file screens into
The products your statements cannot price on their own. Your file clears the usual floors on 1 of 3. These are estimates from your own record, not approvals.
- Business credit cardTop card match: a likely fitStrong odds
- Term loanEst up to $40,000 · 30-50% APRFair odds
- Equipment financingNeeds what you would buyNeeds data
No partner publishes business credit card, equipment financing in TX yet, so a screen there cannot be routed today.
What the score is made of
Each bar is that factor's score out of 100, weighted into your readiness total.
Next moves to grow on better terms
- Compare approvalsLeverage what lenders approved
Compare recorded terms on total payback and daily load before you accept. A cheaper lane may already be on your file.
- Run exit mathExit the MCA stack
Stacked daily debits shrink room for cheaper capital. Run consolidation, payoff, and SBA-path math before adding another advance.
- See SBA gapsSBA may fit with caveats
Some gates are open, others need work — time in business, debt service, or MCA payoff. See what to fix before you apply.
Side by side, sorted by what it actually costs
Offers compete in one table. Every one is normalized to true effective APR, and you pick on total payback. Cheapest on top.
What a partner pays us for a given product is disclosed in the apply step, before your file is sent. Offers are then ranked on what they cost you, so the cheaper deal wins even when it pays us less.
The paperwork stays here too. Accept an offer and the term sheet restates those exact terms, you sign in app, and the executed PDF is saved to your application.
Offers ranked on what they actually cost — total payback, not a teaser rate.
- Line of creditBest cost$45,000
- Cash advance$55,800
- Term loan$71,900
Apply once. We route it to the lenders whose rules fit
One application. One set of statements. It goes to every matching lender at once, and your dashboard names each one that received it. Tick specific lenders and only those can see it.
You authorize the share before anything is sent. No fit means nothing sent. Every routing is logged with the reason, the evidence, and the commission disclosure. Your file is never sold on to another broker.
“Your dashboard names each one that received it” is this deal record, in your own account.
- Lender 1Rules fit
- Lender 2Rules fit
- Lender 3Rules fit
- Lender 4Outside box
- Lender 5Outside box
You run the business. New Matrix AI runs the file
Credit, cashflow, debt, SBA readiness: one screen. New Matrix AI names what blocks funding and the next move.
Assumptions stay visible.
See my numbersCompare the current stack with an editable payoff scenario. A lender quote replaces every pricing estimate.
An AI that runs your numbers, not a chatbot that writes copy
Connect the bank or upload statements once. New Matrix AI reads the account and names the next move in plain English: the lenders worth applying to, the MCAs worth refinancing first, the SBA path that fits. It warns what kills files like yours before you apply, and asks when it is unsure.
It will not invent a score, revenue figure, approval, or quote. Connected evidence, your inputs, and missing facts stay distinct, and industry questions are answered from a written knowledge base with the publisher named.
Upload a financing contract and New Matrix AI extracts the factor rate, term, payment, fees, personal guarantee, confession of judgment, and UCC language, each field beside the exact sentence it came from. What the document does not say comes back empty, never guessed. An extraction to verify, not legal advice.
The third paragraph, on screen. Every document read, every field traced back to the sentence it came from.
Bank cashflow
Connected feeds and parsed statements are identified when their source metadata is available.
Business credit
Authorized bureau data is pulled, dated, and shown when available. Missing data stays labeled instead of inferred.
Next move
Lenders, refinances, and the SBA path ranked for your file.
Six things you get for connecting one account
Every one of them is free to use, and none of them asks you for a document the connected account already proves.
What a funder will see on your file first, with every value labeled by where it came from when a bureau contract is live.
New Matrix AI uses connected bank data, credit data, uploads, and open positions when available. Until then it labels estimates and shows what is missing.
Apply once. Tick the partners you want and only those can receive the file; tick none and it goes to every partner whose stated criteria it clears, at the same time. Your dashboard names each one that received it, and nothing is sent until you authorize the share.
Sign up free. Match free. Use New Matrix AI free. Pro is optional, for bigger chat limits.
Once bank data is connected, the same verified cashflow can support multiple lender packages. No repeated statement chase.
See supported fit criteria, the evidence used, and the reason behind the routing decision on your file.
If today is not the right product, New Matrix AI maps the 6 to 12 month path that gets you to better terms later.
Smarter capital decisions for growing businesses.
Know where you stand and get the capital that fits. Free to join. No advance fees, ever.
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