The key terms every funder signs before a deal reaches their desk

Every capital partner (lender or funder) signs the Lender Master Agreement during partner onboarding, before any deal routes to their desk. It is the agreement our Terms of Service incorporate by reference for the commercial relationship between the platform and each capital partner, and it governs the commission schedule, deal exclusivity windows, data handling requirements, and the partner-side acceptable use policy. This page summarizes the key terms in plain language, drawn from the same commission schedule and exclusivity mechanics the platform runs on, so a funder can review the real terms before applying rather than after signing.

1. Commission schedule

We charge the Lender no subscription, no platform or access fee, no seat charge, no monthly minimum, and nothing for routed deal flow. Compensation is earned on funded deals, in one of two ways depending on the product: a placement spread for the MCA family, or a referral fee or issuer bounty for SBA and business credit cards.

• MCA: 5 to 15 points, standard 12.
• MCA refinance: 8 to 15 points, standard 12.
• Consolidation: 5 to 15 points, standard 8.
• Term loans: 1 to 10 points, standard 8.
• Lines of credit: 1 to 10 points, standard 6.
• Equipment finance: 2 to 15 points, standard 6.
• SBA 7(a) and 504: 0.5 to 3 percent of the funded amount, a regulated, lender-paid referral fee, never a spread on an SBA rate.
• Business credit cards: a flat bounty of $50 to $200 per approved account, set and paid by the issuer, never a percentage of spend.

Our standard blended MCA-family spread runs 8 to 12 points, and no spread exceeds 15 points absent a separate written schedule. The spread is the Lender-authorized difference between the Lender’s confidential buy rate and the presented rate the merchant accepts; it is part of the total the merchant already contracts to repay, not a separate charge. We remit the Lender’s deal on its ordinary funding or commission run, targeted within three business days of funded status; it is never billed as a separate invoice against the Lender’s own margin. If a funded deal defaults or is rescinded within sixty days, the Lender may claw back a pro-rata share of the points on written notice within ninety days. A renewal or refinance earns a reduced spread of two to five points on the renewal amount. Where an independent sales organization sources a deal, its cut is a published share of our own points, up to 50 percent by default, paid out of our spread and never added on top of the Lender’s buy rate or the merchant’s price. A commission or spread may be disputed within thirty days of the funded date; we resolve disputes within ten business days.

2. Exclusivity and attribution

Every file we route opens a six-month Routing Claim Window on that merchant, held individually by the receiving lender and running from the date that lender received the file. Because a submission is disclosed to every matching capital partner at once, the same merchant can carry several live windows at the same time, one per receiving lender, and one lender’s window never shortens or touches another’s. Inside its window, a lender may not fund that merchant, directly or through an Affiliate, outside our commission pipeline. An Affiliate is any entity the lender controls or is controlled by, any entity sharing a principal, officer, or underwriting capital with the lender, any joint-venture partner on funding deals, any white-label or trade-name brand the lender funds through, or any downstream funder the lender refers deals to for an economic interest. The lender discloses every Affiliate to us in writing within thirty days of it meeting that definition; an undisclosed Affiliate that funds a routed merchant during its window is treated as circumvention.

A confirmed circumvention funding event carries liquidated damages of twice the commission we would have earned had the deal routed through the platform, computed at the lender’s signed schedule or the standard product rate, applied to the amount actually disbursed. That is a pre-estimate of a real, hard-to-measure loss, not a penalty, and it attaches strictly to an actual funding event: a disclosure lapse on its own does not trigger it. Every document a lender downloads from a routed deal carries a watermark naming the receiving desk and the deal reference wherever the file can carry one; where it cannot, the manifest names it. Off-platform funding is monitored against public UCC and secretary-of-state filings with the lender’s consent, and every touch on a deal is logged. The protection runs both ways: the same audit trail a lender uses to prove its own conduct is the record of ours, and it never names another lender on a receipt scoped to a different desk. These obligations survive termination of the agreement through the end of the last open window, plus twelve months.

3. Data handling

A file only reaches a lender’s desk after the merchant authorizes the share by name, reading who receives it and that each recipient underwrites independently and we make no lending decision. It then goes to every box it fits, at the same time, with no queue and no gatekeeper; the authorization and the full disclosed set are kept, so the merchant’s dashboard lists every desk that received the file and the lender’s side holds the routing receipt that let it open the file. What a lender receives is limited to what it needs to underwrite, fund, and service that specific deal: the merchant business profile, bank read-only summaries, credit pull data, the documents the merchant authorized us to release, EIN verification results, and any stipulation responses on file.

A lender may use that data only to evaluate, underwrite, fund, service, and collect on the specific deal we routed to it, never to market other products to the merchant, seed third-party databases, or train a model exposed outside its own organization, and never to support a deal that did not route through us. It may not redistribute, syndicate, or aggregate the data with a third party, other than a regulator with lawful authority, its own auditors and counsel under written confidentiality, or a servicer or collector it retains under written terms at least as strict as its own. No file is bought from a data broker or rented onto a list; a merchant file we route is never routed twice through the same channel.

Access is scoped to the desk the file was routed to: a lender opens the deals it is the named recipient of or holds a routed disclosure receipt on, never a competing lender’s file, rate, amount, or identity. On the lender’s own side, access is capped by five desk roles, owner through viewer, each limited to exactly what it can touch. A declined deal’s data is purged from the lender’s production systems within ninety days of the decline, subject to a legal hold, a direct relationship with the merchant outside our routing, or a compliance archive with access restricted to compliance personnel.

4. What New Matrix never does

• We never require a lender’s desk to work exclusively with us. The exclusivity in this agreement runs the other way: it protects a specific routed merchant for its own window, and nothing here conditions a lender’s access on routing its other business through the platform.
• We never work a lender’s book or backdoor its merchants. The same attribution audit trail a lender relies on to prove its own conduct during a Routing Claim Window is the record of ours.
• We never keep an undisclosed spread. The lender authorizes the sell-rate ceiling we present to the merchant before we present it, and the terms shown on an offer a merchant accepts are the terms that govern that financing.
• We never charge a lender for routed deal flow: no subscription, no platform fee, no seat charge, no monthly minimum. Compensation is earned only on a deal that funds.

5. Term and termination

Either party may end the agreement for convenience on thirty days’ written notice to the other party’s account address of record. Deals already routed to a lender at the effective date of termination stay governed by the agreement through final disposition, funded, declined, withdrawn, or expired, and through the commission and clawback windows that follow.

We may suspend a lender’s access immediately, without the notice period, for material breach, loss or suspension of a required state license, a pattern of regulator or Better Business Bureau complaints traceable to routed deals, a confirmed anti-stacking violation, a confirmed security incident the lender has failed to contain, or a pending regulatory action material to the lender’s ability to perform. A lender may terminate immediately if we breach a material term and fail to cure it within fourteen days of written notice.

Commissions on deals that reached funded status before termination remain due, and the exclusivity and attribution obligations in section 2 survive termination through the end of the last open Routing Claim Window, plus twelve months.

The executed agreement is provided during partner onboarding. Request the current copy any time at info@newmatrix.capital.