Three things that change the math
Marvin organizes your numbers. Complete applications reach real-fit lenders in one shot, ranked by what they actually cost.
An AI that runs your numbers, not a chatbot that writes copy
Marvin uses connected bank cashflow, authorized credit pulls, uploaded statements, and merchant cash advance evidence when they are available. It then tells you the next move in plain English: the lenders worth applying to, the MCAs worth refinancing first, the SBA path that fits your file.
Every answer Marvin gives carries a source chip showing where the number came from and when it was observed. If a fact is missing, Marvin says so and starts the connection flow. It will not invent a score, a revenue figure, or a lender match.
Connected feed or parsed statement. Every figure carries a source chip.
Authorized bureau data is pulled, dated, and shown when available. Missing data stays labeled instead of inferred.
Lenders, refinances, and the SBA path ranked for your file.
Your numbers, read end to end
Business credit, MCA stack, SBA readiness, debt service. Marvin separates verified bank feeds, uploaded statements, and authorized bureau data from estimates, then tells you the next move in plain English. No spreadsheets. No guessing.
Get startedApply once. We fan out to three to five real-fit lenders
One application form. One set of statements. We match against each lender's real box rules (loan size, time in business, FICO floor, industry exclusions) before submitting. Lenders who would decline you never see your file.
You see the routing before it sends. Every routing decision is logged with the reasons, the lender's commission to us, and the box rules that matched. No re-filling. No re-uploading.
Your Business Finances. One Screen.
Every metric that matters: readiness score, business credit, debt risk, cashflow, and matched offers ranked by real cost. Sample data appears first, then connected facts replace estimates as you complete the profile.
No spreadsheets. No duplicate lender forms.
Overview
- Credit 68
- Cashflow 82
- Debt 45
- SBA 7(a) lender10.5% APR · $50k to $500k
- Term loan lender18.2% APR · $25k to $250k
- Business LOC24.9% APR · $10k to $150k
- Marvin flagged Stack 2 for payoff
- SBA match refreshed · 10.5%
- Cashflow synced from Plaid
- SBA 7(a) lenderAwaiting
- Term loan lenderIn review
Consolidate Stack 2 First.
Effective APR drops from 84% to 10.5%, clearing the SBA 7(a) bar.
See the mathSide by side, sorted by what it actually costs
Offers come back to one table. We compute the true effective APR for each one, factoring in the factor rate, term, origination, and any padded fees. The cheapest offer is on top. Marvin walks you through the trade-offs in chat.
Our commission for each path is disclosed on the routing decision and on the offer card. You can pick the offer that pays us less if it's the better deal for you. That is the point.
Capital Advisory, Built Into the Platform
Everything below is free. You get the same view a sharp CFO would have.
Marvin uses connected bank data, credit data, uploads, and open positions when available. Until then it labels estimates and shows what is missing.
One application reaches 3 to 5 best-fit lenders simultaneously. You see every offer side by side, sorted by true effective APR.
Sign up free. Match free. Use Marvin 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 which lenders fit and the exact rules each one passed. Nothing hidden.
If today is not the right product, Marvin maps the 6 to 12 month path that gets you to better terms later.
Your trusted partner in business financing
Stop the broker runaround. See the math, compare real options, and move only when the numbers make sense.
Get started