Know where you stand, and keep control of your file
The old funding marketplace makes money the moment it sells your application. New Matrix makes money only on funded deals. Everything else follows from that.
Capital decisions you can see all the way down
Leave knowing where your business stands, which capital fits, and that your file never left your hands.
Where your business stands and which capital fits, on one screen, before anyone calls you.
Know exactly where you stand
Connect your bank once and New Matrix AI reads the account the way an underwriter would. You see your funding readiness before you apply, not after a week of phone tag.
Get the right capital, not just more
Every offer normalized to true effective APR and total payback, cheapest first, with a plain read on whether the daily debit fits your revenue. The deal you can carry, not the biggest number.
Keep control of your file
You authorize the routing before your file moves: by default it goes to every open funder whose stated rules it clears, all at once, or you tick names on the apply screen and only those receive it. We name every recipient and never resell your information. One connection, no lead list, no wall of calls from shops you never spoke to.
The lead-resale model versus New Matrix
A marketplace paid to hand your application around needs applications flowing; the calls and the buried costs follow from that. We are paid on funded deals, so what is good for your file is what pays us.
The difference, made checkable. Every desk holding your file is named on your own screen, and nothing reaches one that is not on this list.
Six protections, each one wired into the product
None of these is a slogan. Each is a mechanism in how the platform routes files, ranks offers and gets paid - which is also why a business that earns by reselling applications cannot offer them.
The funder's side of the platform: their own paper lives on the desk, signed and filed where the deal is.
Your file, your rules
No lead resale. You authorize a broadcast to every open funder whose rules your file clears, or narrow it to the ones you tick, and either way you see who received it and why. A business built on selling applications cannot promise that.
Backdooring costs the funder
Every funder who receives your file is bound by our Lender Master Agreement: six-month EIN exclusivity plus liquidated damages. Taking you direct is a breach with a price.
Ranked on your cost, not our cut
The offer ranking excludes what we are paid. Deals sort by true APR and total payback per dollar funded; our commission never changes the order.
New Matrix AI does the underwriting
New Matrix AI reads your connected bank data, models the real cost of each offer, and flags stacking that would worsen your debt service. Connected evidence, your inputs, and missing data stay distinct, and a gap never becomes a fact.
No advance fees, ever
Nothing is owed before funding, no invoices, no subscription to join or apply. The funder pays us on funded deals, and on most funded deals a platform success fee is also part of the economics, which is why we show you total payback instead of a teaser rate.
All 50 states, every servable vertical
Trucking, restaurants, construction, retail, cannabis, and the rest of the businesses banks decline are the customer base, not an exclusion list. Risk appetite lives in each funder’s box rules, so who fits varies by deal, not by a blanket no. Coverage runs under each state’s own licensing rules: where we have concluded that a state requires a broker registration we do not yet hold, the file is held and no funder is contacted until the filing is in hand.
Start your file and see where you stand
Free to join. Your file goes only where you allow, and we are paid only on funded deals. Not ready to start? See the whole process first.