Free to use. Nothing is owed before funding
Building your file, connecting a bank, being routed and comparing offers carry no charge from us. New Matrix's transaction compensation is earned only after the applicable performance and profitability conditions are satisfied. On funded money there is also one merchant charge, 0.5% of the amount, debited by ACH under your authorization or invoiced once the money 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 open 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. If a card issuer pays us for an approved account, it is a flat bounty, typically $50 to $200, disclosed before you apply; it never changes your rate. 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.
New Matrix's transaction compensation is earned only after the applicable performance and profitability conditions are satisfied. 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 collected only after the money is in your account, debited by ACH from the bank account on file under your authorization or invoiced if you have not authorized that debit - 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, any issuer payment is a flat bounty. Each is disclosed before you act, and New Matrix's transaction compensation is earned only after the applicable performance and profitability conditions are satisfied. MCA analysis is live today.
Business credit cards
Any issuer payment is a flat bounty per approved account, never a percentage, and it never changes your rate. 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.
Working capital (MCA) and MCA relief
Placement spread. Fast working capital: 2% typical, 1% to 3% by deal terms. Refinance and consolidation: 1.5% typical, 1% to 2.5%. 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, earned on the terms stated above. 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 a deal does not fund, we earn nothing on it.
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. Merchant cash advances: placement spread 2% typical, ranging 1% to 3% by deal terms, against the 8 to 15 points a broker takes on the same file. MCA refinance and consolidation: 1.5% typical, ranging 1% to 2.5%. SBA: 1% typical, lender-paid. Cards: a flat $50 to $200 per approved account, if an issuer pays one. 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 funded, never above 0.75%. Nothing can be charged before the money is in your account: it is debited by ACH from the bank account on file under your authorization, or invoiced if you have not authorized that debit, 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.