Borrowers pay nothing. Lenders pay us only when deals fund.
No subscription to read your numbers. No fee to get matched. The entire model is built so our paycheck only arrives when your deal actually works.
If you are a borrower, you will never pay New Matrix Capital.
Not for the score check, not for the application, not for the matches, not for the funded deal. Free at every step. Forever.
We are paid by the lender, and only when a deal funds.
Close no deal through a lender we routed and we are paid zero. The incentive structure aligns us with your outcome, not your application volume.
The exact commission on any deal you consider is disclosed inside your chat with Marvin before you submit an application.
You see what we make on your deal. Always. No fine print, no exceptions.
The merchant cash advance broker industry runs on a very different model. Brokers are paid on application throughput, on upsells, on stacking new advances on top of old ones, and on placing capital with whichever lender pays the highest commission that month. The merchant pays for all of it, indirectly, through the rate.
We are paid on outcomes that benefit the borrower: a deal that actually funds at rates that actually work. That is the only path we get paid. If you take an offer we routed and it does not close, we earn nothing. If you take an offer we routed and it closes at a rate that breaks your business, we still earn but you do not come back. The model only works if your deals work.
Does this bias your recommendations toward higher-commission lenders?
Marvin's routing prioritizes effective APR and approval probability, in that order. Commission tier is used only as a tiebreaker when two lenders are otherwise equivalent on rate, structure, and likelihood of approval. We are willing to make less per deal to keep the recommendation honest, because the long-run business depends on it.
Why don't you publish the exact commission percentage on this page?
Commission varies by lender, product, deal size, and risk tier. Publishing a single number would be misleading. Publishing the full schedule would be unreadable. Instead, the exact number you trigger gets disclosed to you per-deal, in plain English, before any application is sent. That number lives inside the chat where it is most useful: at the moment you decide whether to apply.
How is this different from a broker?
The full answer is on why we are not a broker. The short version: brokers cold-call, hide commission inside the rate, and earn on submission throughput; we don't cold-call, disclose commission per-deal in chat, and earn only on funded deals.
The model is the proof.
See exactly why this makes us the opposite of a broker, and how your data stays protected the whole way through.