MCA and Business Financing Broker and Guidance Service

Break Out of the MCA Matrix

A Real Person Helps You Exit Stacked Advances and Find Better Financing Measured by Total Payback

Start Your Funding Passport Talk to a Person

Soft data only until you apply. Checking never affects your credit. Any success fee is printed on the offer first.

Your funding readiness, approvals, and money picture in one console, desktop view

A Way Out of the Stack: Refinance · Consolidation · Payoff Plan
Know the True Cost First: Total Payback Instead of a Teaser Rate
A Real Person One Click Away: Free to Use · No Advance Fees · No Spam Calls

Any success fee is printed on the offer first.

Built to Read the Data Sources You Trust

PlaidExperianEquifaxDun & BradstreetMiddeskStripe

Platform Preview. Stay Tuned: A direct bank connection, bureau pulls and automated business verification inside your account.

One File With Everything a Funder Asks For

Your bank records assemble the bank side of the file: deposits, debits and every covered month, with the advances already debiting the account counted. Add a government ID and a live selfie once, and the match is confirmed before funders treat the file as ready. No document chasing, nothing to type twice. Then New Matrix AI reads it, and with your OK it goes to the funders whose rules it clears.

Platform Preview. Stay Tuned: Connect one bank, read-only, and the file keeps itself current.

A sample merchant bank file: deposits by month, statement coverage, and what the file holds, desktop view

Sample DataPlatform Preview · Stay Tuned

The Bank File, Built Once
Deposits, debits and every covered month, read into one file that stays on record. Nobody asks for your bank login, and nothing on the file can move money.
Statements and Every Document Kept
The advances already debiting the account are read alongside your statements. Anything you send stays on file for good, and a month we cannot read says so instead of leaving a hole.
Identity and entity, in the same pass
You upload a government ID and a live selfie, with the business and its owner screened against the OFAC sanctions list. The match between the ID and the selfie is confirmed before funders treat the file as ready. Funders see the outcome on the file, never your selfie, unless you release the ID photo to them by name.
See what lenders see before they decline you
New Matrix AI scores the finished file and names what is missing while you can still fix it. A planning read, not a lender decision.
Matched Funders Price the Same File
With your OK, our team takes the finished file to the funders whose box it fits. Who holds it and what you granted sits on one screen you can open any time. Offers come back and you compare them on total payback.
Platform Preview. Stay Tuned: The finished file reaches every open funder whose criteria it fits, at the same time.

Sample DataPlatform Preview · Stay TunedSee Everything New Matrix AI Reads

Your Funding Passport

Fill it out once. Apply forever

The verified file stays yours and stays current. Every application after the first one starts from it instead of a blank form.

Business cards ranked against the file already on record, with no new application

BusinessOnce
IdentityOnce
BankKept CurrentPlatform Preview · Stay Tuned
DocumentsOn File
OwnershipOnce
ConsentEvery Time

Reused on Every Application

Term LoanSame File

Line of CreditSame File

SBA PackageSame File

Start Your Funding Passport Talk to a Person

Compare Every Offer on Total Payback

Amount, daily debit, net funded, and what you actually repay. Accept one. The rest close themselves.

Every advance, debit, document, lien search and offer sits on one dashboard. A person on our team can go through each offer with you on total payback.

Platform Preview. Stay Tuned: After funding, lenders watch deposit trend, cash flow, bank switches, and any new position stacked on top. That is what a funder watches after the money goes out.

What each route can fund and what it costs, compared on the same bank file

Four Steps and You Only Do Two

Your application: the product, the amount, what the money is for, and your verified business identity, desktop view

Sample Data

You
A short call with a person on our team, then your business, bank records and OK to share the file. The only form you fill out.
New Matrix
New Matrix AI reads your statements and current advances, and we show you what the file supports.
New Matrix
With your OK, our team takes the finished file to the funders whose box it fits. Each state's licensing rules apply, and your identity stays locked until you accept an offer.
Platform Preview. Stay Tuned: Sent to every open partner desk your file clears, at the same time, so their offers compete on the same file.
You
Every offer side by side with its total payback. E-sign the one you accept; the others close on their own.

Sample Data

See the Full Process

What We Cover

Six Ways to Fund a Business

New Matrix finds the ones you qualify for.

A business-credit profile on your file, labeled by source. When a bureau pull is on file, each value is dated and labeled with the bureau that returned it. That way you know what a lender will see before they pull you.
Platform Preview. Stay Tuned: Bureau pulls and ongoing credit monitoring inside your account.
Sample DataPlatform Preview · Stay Tuned
Explore

Sample DataPlatform Preview · Stay Tuned

New Matrix AI's read of the account: the advance debits it found, what they cost a year, and the review it ran

Six Things It Does While You Run the Business

Not a chatbot, and not instead of a person. New Matrix AI matches you to real lenders, and someone on our team can walk you through what it found.

Platform Preview. Stay Tuned: Once the file exists, it keeps working the account and tells you the day something moves.

Cash Forecast

Thirteen weeks of cash projected off your account. You know if a daily payment fits.

Credit Watch

Any bureau score on file is dated and labeled by source. Without one, the file goes out on bank data and your profile.

Position Watch

Every advance debiting the account, found and counted from your bank records.

UCC Watch

When we have run a lien search, filings sit on your file. Manual searches our team records appear the same way.

Missing Pieces

The one document holding the file up, named. Not a generic list.

Sourced Answers

Every funding answer cites its written source. When data cannot answer, it says so.

The MCA Matrix and the Way Out

The matrix runs on bought leads, blind shopping, stacked advances and buried fees. New Matrix runs on your numbers.

A funder's published box: the products, states and rules a file is checked against before any lender sees it

The MCA Matrix The New Matrix Way

What Happens to Your Application

Sold into a lender network, then dialed by every desk that bought the list.

Your file is read, scored, and box-checked before anyone is contacted. No spam calls.

Who Sees It

Shopped blind to funders you never chose, on a network that resells your contact info.

It goes only to the lenders you authorize. Never sold, never blasted.

How Offers Rank

Whichever product pays the desk the highest commission gets pitched first.

By your total cost and approval odds, not by what a lender pays us.

Who Pays

Fees buried inside the rate, with your deal backdoored to other shops.

What we are paid is disclosed before you submit. Any success fee is printed on the offer first.

When You Sign

Urgency used to force a same-day signature.

No urgency games.

Clearing a lender box is coverage, not an approval or a quote. The finished file goes to the funders it fits, and only after you authorize the share.

The Industries Banks Decline Are Exactly Who We Serve

All 50 states, under state licensing rules.

See Every Industry We Serve

The Engine Behind Your Matrix Score

Financing Categories

200

Metrics New Matrix AI Reads

File for Every Lender

Bank Passwords Stored

Who holds this file: every funder it was routed to, what came back, and what they can see

You Decide Who Gets Your File

Your Bank Login Never Leaves Your Hands

We never see or store the password. Nothing we read can move money.

Every Recipient Is Named

Nothing moves until you authorize it. Your file shows every funder that received it and what came back.

Your File Is Never Listed for Sale

Encrypted in transit and at rest. Your application is never listed for sale: the Lead Marketplace here carries vendor inventory only, never a New Matrix merchant.

See Exactly Who Has Your File

Apply once and your phone number never gets sold

Funders get your file, not your number.

Free to Use With No Advance Fees Ever

$0 to join, no card, no membership, no monthly feeUnlimited lender matchingmatched to only what you qualify for$0 to compare offers, no advance fees

Any success fee is printed on the offer first.

How Our Pricing Works

Not Here to Borrow?

Lenders, ISOs and brokers can work with us today. Pick the door that fits.

Fund Deals

Get files that fit your box, on your paper or ours.

For Lenders

Bring Deals

Submit files as an ISO or broker and track each one through to funding.

For ISOs and Brokers Platform Preview · Stay Tuned

Buy Leads

Compare listings by pricing model, freshness and what is included before you buy.

Lead Marketplace

Partner LeaderboardPlatform Preview · Stay Tuned

Lenders Ranked on Funding Speed, Offer Rate and Volume

Scored on what they do here. Standing is visibility, never routing. Which funders see your file is decided by their own box rules, and nothing a funder does or pays changes that. After funding, merchants rate their funder. Read how a desk treats people before you accept its offer.

Earned, never bought: fund well and fast, and the top is yours.

Rolling 90-day window, a minimum field of 3 active desks. Method v2026.09.07, weights on the partners page.

Compete for the Top Spot