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How it works

Four steps. The math is visible end to end

Most platforms route your file behind a curtain. We show you which lenders saw it, why they fit, and what they pay us.

9:41
New MatrixFunding Score
Funding Score
72/100
Approval odds 68%
PAYDEX
64
Experian
71
Equifax
B+
FICO SBSS
188
Clear 3 items to reach the 80+ tier.
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Score
Offers
Marvin

From signup to a real answer in under two minutes

  1. 1

    Sign up

    One screen, email or Google, and no business questions yet.

  2. 2

    Connect your business

    Add EIN and business basics. Connect bank data or upload statements when you want verified cashflow.

  3. 3

    We read everything

    Authorized bureau data when available, cashflow from statements or bank feed, and MCAs detected from recurring debits.

  4. 4

    Land on a live dashboard

    Score, MCA risk, SBA path, and lender matches. Verified facts are dated; estimates stay clearly labeled.

Visible reasoning

What we show you at every step

Routing decisions

When Marvin recommends a lender, the box rules that matched are listed alongside the recommendation. The box rules that did not match are shown too.

Commission disclosure

The dollar amount the lender pays us, per path, is on the routing decision and on the offer card. No buried fee tables.

Effective APR

Every offer is normalized to a true effective APR (factor rate, term, origination, fee dressing all folded in). Offers sort cheapest first.

Source chips

Marvin cites the data behind each statement. Plaid statement, Experian pull, Middesk record. With observation date and confidence.

Audit log

Every admin action that touches your file is hash-chained and tamper-evident. You can ask us for the log.

Your trusted partner in business financing

Stop the broker runaround. See the math, compare real options, and move only when the numbers make sense.

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