Free to use. Nothing is owed before funding
Building your file, connecting a bank, being routed and comparing offers carry no charge from us. Financing-partner compensation is earned only after the applicable performance or profitability condition is documented, and issuers pay on approved card accounts. On funded money there is also one merchant charge, 0.5% of the amount, taken by ACH once it reaches your account, and never on SBA loans or business credit cards.
Free to use. Joining, building your file, connecting a bank, being scored, being routed to every funder whose rules you fit and comparing the offers that come back all cost nothing: no subscription, no advance fee, no invoice before funding. Financing partners pay us on funded deals and card issuers pay on approved accounts. Whatever our compensation is on your deal is printed on the offer, in dollars, before you accept it.
Nothing is owed before funding.
Joining, building your file, connecting a bank, being scored, being routed and comparing offers carry no charge from us: no subscription, no advance fees, no invoices. Optional software subscriptions are separate.
Partners pay only after a defined outcome.
For funded-money products, our transaction compensation is earned only after the applicable performance or profitability condition is documented. Card issuers pay only for approved accounts. We do not earn because you apply.
What we make is part of the deal, and you see the deal.
Our compensation, including a platform success fee of 0.5% standard and 0.75% at the ceiling - never on SBA loans or business credit cards, and taken by ACH only after the money is in your account - is disclosed in your chat before you submit, and the terms printed on the offer you accept are the terms you sign.
Different products, different economics
No single number. On MCA-family paper, term loans and lines included, it is a placement spread inside the rate you sign; on SBA it is a referral fee federal rules make lender-paid; on cards it is a flat bounty from the issuer. Each is disclosed before you act, and New Matrix's transaction compensation is earned only after the applicable performance and profitability conditions are satisfied.
Business credit cards
Issuers pay a flat bounty per approved account, typically $50 to $200, disclosed before you apply. It does not change your rate, and no merchant charge applies to a card. Approval odds we show are estimates, never a pre-approval.
SBA loans
SBA-preferred lenders pay a standard referral fee on funded loans we routed, 1% typical and 0.5% to 2% by deal. Federal rules make it lender-paid only, and no merchant charge applies.
Term loans & lines
Placement spread, 1% typical and 0.5% to 2% by deal terms. The funder funds at their own buy rate; the spread is the difference between that and the rate you see and sign.
MCA relief
Placement spread, 2% typical and 1% to 3% by deal terms. A street broker on the same paper takes 8 to 15 points. Ours is part of the rate you accept and shown in dollars before you submit.
The broker model
Brokers are paid to move applications, at 8 to 15 points on MCA-family paper. Your file goes to whoever pays the most that month, the capital gets marked up, and the cost hides inside the rate.
Our model
A disclosed fee, only after a routed match satisfies its applicable performance or profitability condition. Ranked by your real cost, never by what a partner pays us. Your file is never sold on to another shop, and the terms printed on the offer you accept are the terms you sign. If the match does not help you, we do not earn.
Does this bias your recommendations toward higher-paying partners?
No. Routing runs on supported box rules and evidence completeness; offers compare on disclosed cost, fees, and total payback. Partner compensation is disclosed and never presented as evidence you will be approved.
What do partners pay, and where is it disclosed?
Term loans and lines: placement spread 1% typical. MCA family: placement spread 2% typical, ranging 1% to 3% by deal terms, against the 8 to 15 points a broker takes on the same file. SBA: 1% typical, lender-paid. Cards: a flat $50 to $200 per approved account. Whatever applies to your deal is disclosed before you submit; the full policy is in the terms of service.
Do I ever pay New Matrix directly?
Yes, one time, on funded money. It is 0.5% of the amount, ranging 0.25% to 0.75% by product and deal terms. Nothing can be charged before the money is in your account: it is charged to the payment method on your file, or invoiced if you have not added one, right after the advance or loan reaches you, so it is a success fee and never an advance fee. It is never applied to SBA loans or business credit cards, and the exact figure for your deal is shown on the offer you review, before you accept.
How is this different from a broker?
The full answer is on how we are different from a broker. Short version: brokers resell your file and hide the cost in the rate. We rank by your real cost, disclose the fee per deal, and never resell your information.
The model is the proof
See how we are different from a broker, and how your data stays protected the whole way.