What makes us different
I worked at those offices. Here is what they don't tell you.
The broker industry runs on what the merchant never gets to see. This page puts both sides of the desk in plain view.
For years I sat in MCA brokerage offices watching reps sell merchants advances they couldn't afford on terms they didn't understand. The pitch was always the same: “We work with all the lenders, we'll find you the best deal.”
It wasn't true. They worked with whichever lender paid the highest commission that month, and the merchant paid for it for years. I built this platform to be the opposite of those rooms.
Side by side
The broker playbook, line by line.
| What brokers do | What we do |
|---|---|
| Cold-call merchants from purchased lead lists | Borrowers come to us. We never cold call. |
| Pitch the highest-commission product first | Marvin ranks options by effective APR, not commission |
| Hide commission inside the rate | Commission disclosed per-deal in your chat, before you apply |
| Stack new advances on top of old ones | Marvin's distress detector blocks stacking that worsens debt service |
| Push you to sign today, "before the offer expires" | No expiring offers. No urgency tactics. |
| Earn on application volume, paid or not | Paid only when deals actually fund |
Things we will not do
- NoWe don't cold call merchants from purchased lead lists.
- NoWe don't take kickbacks for steering you to specific lenders.
- NoWe don't inflate APRs to buy down our placement fees with lenders.
- NoWe don't run sales scripts.
- NoWe don't pressure-sell with manufactured urgency.
- NoWe don't stack advances that worsen your debt service ratio.
“The merchants I watched get stacked weren't unsophisticated. They were under-informed. Information asymmetry is the entire business model of the broker industry. We're trying to close that gap.”
Noah Haim, Founder
The proof is in the paycheck.
The reason we can be the opposite of a broker is the way we get paid. See the full commercial model.