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How it works

Four steps. The math is visible end to end.

Most lender platforms route your file behind a curtain. We show you the reasoning: which lenders saw the application, what their box rules are, why they fit, and what they pay us. You can pick the offer that pays us less if it's the better deal for you.

How it works

From signup to a real answer in under two minutes.

01
Sign up

One screen. Email or Google. No business questions yet.

02
Connect your business

EIN lookup pulls your public records. Plaid links your bank in 30 seconds.

03
We read everything

Business credit from Experian and D&B. Cashflow from your statements. MCAs detected from recurring debits.

04
Land on a live dashboard

Score, MCA risk, SBA path, lender matches. Already populated. No forms to fill.

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.
"I have 2 MCAs and need $75k more. What are my options?"
Check my business creditCan I get an SBA loan?Is my MCA rate too high?
Analysis:With 2 active MCAs, lenders see high daily debit load. Your SBA path is blocked until one closes. Here's the fastest way out of the stack...
Ask anything about your business

Plain English in. Real strategy out.

No financial jargon. No 30-page reports. Ask the question you'd ask a CFO and get the same caliber of answer. Grounded in your actual numbers, not generic advice.

Live Funding Estimator

What could your business actually qualify for?

Current MCA Cost
84% APR
~$1,995/mo
Best Available Rate
10.5% APR
Save ~$1,746/mo
The product

Your business finances. One screen.

Every metric that matters. Readiness score, MCA risk, SBA path, lender matches. Already populated the moment you sign up.

No spreadsheets. No data entry. No waiting.

newmatrix.capital/dashboard
Readiness
72
Strong, 3 gaps
MCA Risk
High
2 active stacks
SBA Path
Blocked
Fix 2 items
NMCClose Stack 2 first. Your debt service ratio drops to 28%. That unlocks SBA 7(a) at 10.5% vs your current 84% APR.

Wall Street tools. Main Street prices.

Two minutes to set up. Free for life. No credit card.

Get started

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