Free to you. Lenders and issuers pay us when you are approved
Checking your business credit and comparing every option is free, the way Credit Karma is free to you. We earn a referral fee from the lender or card issuer only when you are approved, across cards, SBA loans, term loans and lines, and MCA relief. An optional Pro plan adds deeper modeling.
Free to you. Lenders and card issuers pay us a referral fee when you get approved, so our incentive is your approval, not a markup on your money.
You never pay New Matrix Capital.
Checking your business credit, comparing options, and getting matched are free at every step, forever. There is no fee to the owner.
Partners pay us a referral fee, only when you are approved.
Lenders and card issuers pay when a match they receive is approved. We earn on your approval, not on your application.
You see how we are paid before you act.
For any deal Marvin routes, the referral fee is disclosed inside your chat before you submit anything, with no fine print.
Different partners, different referral fees
There is no single number. Each partner pays its own referral fee, and every one is disclosed before you act. The live cross-partner comparison is being built; MCA relief is live today, and each other type turns on as its integration connects.
Business credit cards
In buildCard issuers pay a flat bounty per approved account, typically $50 to $200, not a percentage. It is disclosed before you apply, and any approval odds we show are an estimate, never a pre-approval.
Turns on as each lender and issuer connection goes live.
SBA loans
In buildSBA-preferred lenders pay a referral fee when a loan we routed funds.
Turns on as each lender and issuer connection goes live.
Term loans & lines
In buildBank and alternative lenders pay a referral fee on funded capital.
Turns on as each lender and issuer connection goes live.
MCA relief
Live nowOur standard referral is 12% of the funded amount and can run from 5% to 15% depending on the terms of the deal, paid by the partner at closing and disclosed per deal before you submit.
Available in the platform today.
The core is free forever. Pro is optional and never required to get matched
Checking your business credit, comparing products, and getting matched are free forever, with no subscription and no per-deal fee to you. That is the core product and it never moves behind a paywall.
Pro and Team are optional upgrades that add advanced modeling, multi-business workspaces, and higher assistant limits for power users. They are a convenience, not a gate. You never have to pay us a cent to check your numbers, see your matches, or get funded.
The broker model
Brokers are paid to move applications. They resell your file to whichever lender or issuer pays the most that month, mark up the capital, and bury the cost inside the rate. The owner covers all of it, indirectly.
Our model
We are paid a disclosed referral fee only when a match you choose is approved. We rank by real cost, not by what a partner pays us, and we do not resell your information or mark up your money. If the match does not help you, we do not earn.
Does this bias your recommendations toward higher-paying partners?
Marvin ranks options by effective cost, the real APR and total payback, and approval odds, in that order. A partner's referral fee is used only as a tiebreaker when two options are otherwise equal on cost, structure, and likelihood of approval. We would rather earn less on a deal than route you to the wrong one, because the long-run business depends on it.
What do partners pay, and where is it disclosed?
It varies by partner and product. Our platform standard is 8% of the funded amount. On MCA relief our standard referral is 12% and can run from 5% to 15% depending on the terms of the deal, paid by the partner at closing, so we only earn when your deal funds. Business card issuers pay a flat bounty per approved account (typically $50 to $200, not a percentage); SBA lenders and bank and alternative lenders each pay their own referral fee. Whatever applies to a deal you are considering is disclosed in plain English before you submit, and the full policy is written into our terms of service.
How is this different from a broker?
The full answer is on how we are different from a broker. The short version: brokers resell your application to the highest-paying lender, hide the cost inside the rate, and earn on submission volume. We rank by your real cost, disclose the referral fee per deal, and do not 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.