The terms governing your use of the platform

These terms tell you what New Matrix Capital is, what it is not, what you agree to by using the platform, and how disputes get resolved. We made this readable because legal documents nobody reads protect nobody. Raven Source Holdings LLC d/b/a New Matrix Capital operates newmatrix.capital and the related software platform, an AI-powered software tool that provides analysis, lender matching, and educational content. We are not a financial advisor, fiduciary, or lender, and we do not hold ourselves out as a registered investment adviser. We are paid by lenders when a deal we matched funds, and in some states that compensated introduction of a borrower to a lender may constitute commercial-finance brokering; where a license is required for that activity we comply with the applicable state regime. We do not extend credit. We do not hold customer funds. We do not provide legal, tax, or investment advice. Anything the platform displays, including New Matrix AI output, score estimates, lender match rankings, and capital recommendations, is informational. New Matrix AI and its specialist agents (the scoring agent, the matching agent, the document review agent, and any future specialist agents we deploy) are AI models built on large language model infrastructure provided by third-party vendors. Outputs may be inaccurate, incomplete, biased, or out of date. Numerical estimates produced by the platform, including approval probability, suggested loan amount, projected rate, and projected fees, are NOT guaranteed and are NOT a commitment to lend. Decisions you make are your own. Verify all material facts with a licensed professional, such as a certified public accountant, an attorney, or a state-licensed financial advisor, before acting. Nothing on the platform creates an advisor-client, broker-client, or fiduciary relationship between you and us. By creating an account or using the service, you accept these terms. If you do not accept them, do not use the service.

1. Eligibility

You must be at least 18 years old and authorized to bind the business you are connecting. The business must have a United States mailing address and a valid federal Employer Identification Number or Social Security Number for the principal. The service is intended for U.S. small and middle-market operators.

We serve every lawful U.S. industry, including verticals many banks decline, such as trucking, restaurants, construction, cannabis, firearms, gambling, adult entertainment, and digital-asset services. Each capital partner sets its own credit appetite, so the partners available to you vary by industry, and some industries have fewer matches than others. We show you honest matches, not a promise that every partner will consider your file. We do not serve payday lenders, multi-level marketing programs, cryptocurrency mixers, or any activity that violates federal law, and we may decline service at our discretion if your business model creates regulatory exposure for the platform or its capital partners.

2. What we are

New Matrix Capital is a software platform that connects business borrowers with capital partners. We organize the data you provide, generate lender-fit signals, and present potential financing paths. You decide whether to authorize an application for review. The platform routes your file automatically to the capital partners whose published criteria it fits, and each capital partner makes its own underwriting decision and extends any financing under its own agreements with you.

Using the platform costs nothing. Opening an account, building your file, connecting a bank, being scored, being routed to capital partners, and receiving and comparing offers carry no charge and no subscription requirement. We are paid only on a deal that funds: a placement spread or referral commission from the capital partner, and on most products a Merchant Platform Service Fee, a small success fee described in section 5. Both are shown in the apply step, before you authorize your file to be shared with a capital partner, and again on the offer you review before you accept. Nothing is owed before funding: there is no advance fee, no subscription requirement, and no invoice for the financing workflow before a deal funds. The service fee is charged after your funds land: an ACH debit from the business bank account on your file under an authorization you grant in the platform, or an invoice if you have not added one, as described in section 5. A platform administrator may correct or adjust the terms a capital partner submitted before those terms are published to you; any such adjustment is reflected in the terms you see before you accept. We do not keep an undisclosed spread between the terms a capital partner submitted and the terms published to you, and we do not keep an undisclosed platform fee: every figure that applies to your deal is disclosed before you accept. The terms shown on an offer you accept are the terms that govern that financing. The free plan covers the core financing workflow; optional paid plans add software features and higher usage limits.

3. Acceptable use

You agree not to use the platform to:

• Submit falsified bank statements, doctored tax returns, fabricated trade references, or any other materially false document or data point.
• Misrepresent your identity, ownership of the business, or authority to bind the business.
• Scrape the lender catalog, scoring methodology, or any other proprietary content from the platform.
• Run automation against the platform that violates our published rate limits or that is designed to evade them.
• Use the platform to recycle the same deal across multiple capital partners outside our submission system.
• Generate content with the AI assistant that you then pass off as professional legal, tax, or financial advice to others.
• Probe, scan, or test the security of the platform without our prior written authorization.

Material violation of acceptable use is grounds for immediate account termination and, where appropriate, referral to law enforcement and to the capital partners affected.

4. Lender-side terms

Capital partners (lenders and funders) operate under a separate written agreement, the Lender Master Agreement, signed during partner onboarding. That agreement governs commission rates, deal exclusivity windows, data handling requirements, and the partner-side acceptable use policy. The lender agreement is incorporated into these terms by reference for the limited purpose of defining the commercial relationship between the platform and the capital partner.

Capital partners agree to honor the offer terms presented to a borrower through the platform, to underwrite deals with the data we share without re-pulling unnecessary records, and to compensate the platform on funded volume per the schedule in their signed agreement. Borrowers do not become parties to the lender-side agreement and do not gain any rights under it.

5. Commission disclosure

Our compensation is earned per deal, not a flat subscription, and it does not exist until a deal funds. On MCA relief, MCA refinance, consolidation, term loans, lines of credit, and equipment finance we are paid a placement spread: the capital partner authorizes a presented rate above its own confidential cost, and the difference is ours, included in the rate you are shown and sign. On SBA the lender pays a regulated referral fee, and federal rules bar charging the applicant for it. On business credit cards the issuer pays a flat bounty per approved account and your rate does not change.

Current funded-amount ranges, by product. MCA relief, MCA refinance, and consolidation run 1 percent to 3 percent, standard 2 percent. Term loans and lines of credit run 0.5 percent to 2 percent, standard 1 percent. Equipment finance runs 0.5 percent to 2.5 percent, standard 1.25 percent. SBA is 0.5 percent to 2 percent of the funded amount, paid by the lender. Business credit card referrals are a flat bounty per approved account, typically $50 to $200, not a percentage. Where no product schedule applies, the platform default is 2 percent. A signed lender schedule can move a product within its range, and no rate on any deal exceeds 3 percent. The commission that applies to a product is disclosed in the apply step, before you authorize the share, so you can see what the platform earns on that route before your file is sent.

On MCA relief, MCA refinance, consolidation, term loans, lines of credit, and equipment finance, a small Merchant Platform Service Fee also applies. It is generally 0.5 percent and runs from 0.25 percent to 0.75 percent of the funded amount depending on product, paper grade, and term, capped platform-wide at 0.75 percent. It is never charged on SBA loans or business credit cards. The exact rate and dollar figure that apply to your deal are shown on the offer you review, before you accept.

When the service fee is charged, and how. It is a success fee, not an advance fee. Nothing is owed unless and until your financing funds, and if the deal does not fund you owe nothing at all. Once the capital partner’s money reaches your account, we collect the fee in the amount printed on the offer you accepted: we debit the fee by ACH from the business bank account on your file if you have authorized that debit in the platform, or we send an invoice for it if you have not. The ACH authorization is granted in the platform, never assumed. Its text, timestamp, and origin are recorded, it covers only the platform service fee on a funded deal, and it authorizes us to initiate a correcting credit for any debit taken in error. If a debit is returned, we may re-present it under the Nacha Operating Rules. There is no other charge for the financing workflow: no application fee, no subscription requirement, and no invoice before funding.

Lender fit, borrower cost, credit profile, bank signals, and accepted offer parameters are evaluated before commission. If two lenders are otherwise equivalent, commission may be used as a tiebreaker. A higher commission never overrides a better-fit or lower-cost option.

6. Termination

You can close your account at any time from your account settings. Closure deletes records that are not subject to a regulatory hold within 30 days and purges your marketing engagement data on a rolling basis. Records subject to financial-services retention rules persist for the regulatory retention period described in the Privacy Policy.

We can suspend or terminate your account for material breach of these terms, including fraud, falsified documents, repeated acceptable-use violations, abuse of platform staff, and any activity that creates regulatory exposure for us or our capital partners. Where feasible we provide written notice and a chance to cure before terminating, but for fraud and severe abuse we may terminate without notice.

7. Disclaimer of warranties

The service is provided “as is” and “as available.” To the maximum extent permitted by law, we disclaim all warranties, express or implied, including the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, or secure, or that any analysis, score estimate, lender match, or New Matrix AI output will be accurate, complete, or current.

Platform outputs are informational tools, not advice and not a prediction. An approval probability, a suggested amount, a projected rate, or a match ranking is an estimate produced by software from the data on your file. It is not an offer, a commitment to lend, or a promise that any capital partner will approve or fund you. Each capital partner makes its own underwriting decision, and the decisions you make are your own. You agree that you are not relying on any platform output as a substitute for your own judgment or for advice from a licensed professional.

8. Limitation of liability

To the maximum extent permitted by law, our total aggregate liability to you for any claim arising out of or related to your use of the service, whether in contract, tort, or otherwise, is capped at the greater of one hundred U.S. dollars ($100) or the total fees you paid to us in the 12 months immediately before the event giving rise to the claim. In no event are we liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost business opportunity, or lost data, even if we have been advised of the possibility of such damages.

Nothing in these terms limits or excludes our liability for fraud, gross negligence, or willful misconduct, or any other liability that cannot be limited or excluded under applicable law. Some states do not allow the exclusion or limitation of certain damages, so portions of this section may not apply to you. Residents of California and New York may have specific consumer-protection rights that override certain provisions in this section.

9. Indemnification

You agree to defend, indemnify, and hold harmless Raven Source Holdings LLC d/b/a New Matrix Capital, its officers, directors, employees, and capital partners from any third-party claim, demand, loss, or expense (including reasonable attorneys fees) arising out of your breach of these terms, your misuse of the service, your violation of law, your submission of false or misleading data to the platform, or any dispute between you and a capital partner or other third party over financing you pursue or obtain through the platform. This indemnification survives termination of your account.

10. Arbitration

Any dispute, claim, or controversy arising out of or relating to these terms or your use of the service is resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules (AAA Commercial Rules). The seat of arbitration is Queens County, New York. The arbitrator may award any individual relief a court could award, including statutory damages and statutory penalties where an applicable statute provides them, except that the arbitrator may not award punitive damages beyond what an applicable statute expressly authorizes.

You and we waive the right to a jury trial and waive the right to participate in a class action, collective action, or representative proceeding (class action waiver). Disputes must be brought in your individual capacity, not as plaintiff or class member in any purported class, collective, or representative action. The only exception is that either party may seek injunctive relief in a court of competent jurisdiction to protect intellectual property or to enforce confidentiality obligations.

Small claims carve-out: either party may bring an individual claim in small claims court in Queens County, New York(or, if you qualify, the small claims court where you reside) instead of arbitration, as long as the claim stays within that court’s jurisdictional limits and is not brought on a class or representative basis.

Arbitration opt-out: you can reject this arbitration section without affecting any other part of these terms. To opt out, email info@newmatrix.capital with the subject line “Arbitration Opt-Out” from the email on your account within 30 days of first accepting these terms. Include your name and the legal name of your business. If you opt out, disputes are resolved in the courts named in section 11, and the rest of these terms continue to apply to you unchanged.

11. Governing law

These terms are governed by the laws of the State of New York, without regard to its conflict-of-laws principles. Where arbitration does not apply (for example, intellectual property injunctive relief), the parties consent to the exclusive jurisdiction of the state and federal courts located in Queens County, New York. California and other state residents may retain specific statutory rights that override these choice-of-law provisions for certain claims.

12. General terms

Assignment

You may not assign or transfer these terms, or any rights under them, without our prior written consent, and any attempted assignment without consent is void. We may assign these terms to an affiliate or in connection with a merger, acquisition, or sale of substantially all of our assets, provided the assignee assumes our obligations under them.

Severability

If any provision of these terms is found unenforceable, it is enforced to the maximum extent the law allows, and the remaining provisions stay in full force. If the class action waiver in section 10 is found unenforceable as to a particular claim, that claim proceeds in the courts named in section 11 rather than in arbitration, and the waiver continues to apply to every other claim.

Force majeure

Neither party is liable for delay or failure to perform caused by events beyond its reasonable control, including natural disasters, war, terrorism, labor disputes, internet or utility outages, failures of third-party providers, and acts of government. Obligations already accrued, including payment obligations, are not excused.

Entire agreement

These terms, the Privacy Policy, and any agreement you sign through the platform are the entire agreement between you and us about the service and supersede all prior discussions and understandings on the subject. A waiver of any provision must be in writing to be effective, and our not enforcing a provision is not a waiver of it.

13. Changes

We may update these terms from time to time. The current version is recorded in our codebase as TOS_VERSION (currently 2026.07.27). When we make material changes, we bump the version string, post the updated document at this URL, and prompt logged-in users to re-consent before continuing to use the platform. Continued use of the service after the effective date of a new version constitutes acceptance of the new version. If you do not accept the new version, you may close your account under section 6.

Legal and contract questions go to info@newmatrix.capital. We respond within 5 business days. See also our Privacy Policy.

Notices may also be mailed to Raven Source Holdings LLC d/b/a New Matrix Capital, 82-22 189th St, Hollis, NY 11423.