Your funding desk, already running
Queue, underwriting, offers, portfolio - one desk. Set your box once: paper that clears it arrives parsed, and the desk recommends an offer you control. No paid leads. No commission padding. You pay per funded deal.
- Box-screened, not cold
- Never a blind or bought file
- Verified bank + KYB data
- Source-labeled, not self-reported
- You post the terms
- Never our credit decision
Every field is source-labeled.
Verified, stated, and derived stay separate.
Named systems, not a promise
The infrastructure under every file a funder opens here, and who runs each piece.
- Bank data, from Plaid
The merchant connects their own bank through Plaid. You receive parsed, source-labeled transactions; we never see or store a login.
- Identity and business verification, from Middesk
Signer identity and the entity are checked against registry and identity records, not typed into a form.
- E-signature, in-house
E-SIGN Act consent captured in app. Document hash, version, timestamp, IP, and user agent are stored with every signature.
- Encryption, at rest and in transit
TLS 1.3 on every connection. Sensitive fields are field-level encrypted (XSalsa20-Poly1305); the database volume is encrypted at rest with AES-256.
- Audit trail, hash-chained
Every access and action writes to an append-only log, each row hashed to the one before it. Tampering breaks the chain from that point on.
Pick the door that fits how you make money
Lenders & funders
Fund files that already clear your box. Set the rules, see verified data, decide.
See how it worksBrokers & ISOs
Submit deals, keep your merchants, and earn on every file that funds.
See how it worksLead vendors
Sell leads your way: per lead, per funded deal, lists, or full packages.
See how it worksA consented file, not a forwarded email
Two things put a submission on your desk, and nothing else does: a merchant authorized it, and your box passed. No spam to wade through, no blind shopping, no story to take on faith. Here is what lands.
The entity, as filed
Legal name, EIN last four, state, industry, time in business, and the signer who stands behind the file. You know who you are funding before you open a statement.
The account, month by month
Deposits, debits, and covered months, pulled straight from the statements. A month we could not read says so, instead of leaving you to find the gap.
Positions found in the account
Daily and weekly debits parsed out of the statements, beside the advances the merchant disclosed. Stacking shows up before you fund, not after.
Documents, with their source
Government ID, voided check, and every upload, each labeled with where it came from and when. No mystery attachments to chase.
The box note
Which of your configured rules the file cleared, and which evidence is still outstanding. Your criteria, already checked when it reaches you.
The consent artifact
Who authorized the share, the exact timestamp, and every desk the file was disclosed to. The proof it was never backdoored.
- 1
The merchant authorizes the share by name
Before a file moves, the merchant reads who receives it, that each recipient underwrites independently, and that New Matrix makes no lending decision. Then they tick it.
- 2
It goes to every box it fits, at the same time
No queue, no gatekeeper, no desk the merchant did not pick. If nothing fits a box, nothing is sent.
- 3
The receipt outlives the deal
The authorization is stored with the full disclosed set. Their dashboard lists every desk that received the file, and yours holds the routing receipt that let you open it.
No rented lists, no resold leads, no file bought from a data broker. If a merchant did not authorize it, you never see it.
Every field says where it came from
A broker packet labels nothing. You get a revenue figure and a story, and your underwriter spends an hour separating them. Here the label is attached to the field before you open it.
Verified
Came from the source, not from the merchant.
- Account ownership and transactions
The merchant logs in at their own bank. We never hold the password.
- Business registry record
The entity checked against registry filings, not against a form.
- Signer identity and face match
Captured from the signer. Never handed over by a broker.
- Signed terms and consent record
Document hash, version, timestamp, IP, and user agent, stored with the file.
Stated
The merchant typed it. Useful, and never dressed up as evidence.
- Requested amount and use of funds
- Monthly revenue as the merchant reports it
- Advances and positions the merchant discloses
- Industry, picked from a fixed list, never typed
- Owner, contact, and entity details
Where a stated figure and the account disagree, the gap is shown on the file instead of one number quietly winning.
Derived
Computed by us, with the inputs kept beside the answer.
- Deposits and average balance, by month, from parsed statements
- Daily and weekly debits found in the account
- Time in business, in months
- Box fit against the rules you configured
- Funding readiness, with the inputs that moved it
Derived numbers support your review. They are not our credit opinion and they are not a decision.
Stips the account can answer satisfy themselves. At funding, the whole file downloads as one package.
- Derived is never printed as verified. The inputs behind a computed field stay visible on the file.
- A missing input reads unknown. It never reads zero, and never a number we guessed.
- A statement we cannot parse comes back unreadable, with the reason. There is no silent zero month.
Sample Real product, seeded demo data.
Set your box. Matching paper arrives
You set the box: state, product, minimum revenue, maximum amount, and time in business. The screen supports your review; it does not automatically decline a merchant or make a credit decision.
New Matrix screens every file against your box and keeps missing evidence visible; the desk recommends, your team decides.
A file lands in your queue only after the merchant authorizes the share and it clears your box, with source labels and missing evidence marked.
Match, stips, terms. Each one a record
The same three steps every desk already runs, with the email thread taken out of the middle.
- 1Match
Your box decides who sees the file
A file that fails any of your box rules never reaches you. One that clears them all is worth an underwriter hour.
- Gate on product, state, revenue, ticket size, time in business, industries, and an optional FICO floor.
- You configure the rules. Nobody configures them for you.
- A lender with no configured box receives nothing, rather than everything.
- The fit note travels with the file, so you see which rule it cleared.
- 2Stips
Ask the file before you ask the merchant
Request a stipulation and the file answers first. If the evidence is already there, the stip comes back satisfied, with the figures and the source named.
- What the account cannot answer is asked of the merchant once, in-app.
- The answer lands on the same file, not in a mailbox.
- A stip can be a condition of a specific offer, so a revised approval knows what it is waiting on.
- 3Offer
Terms come back as fields, not prose
Your desk posts a structured offer. The merchant compares it against the other approvals on total payback, not on the headline rate.
- Amount, term, rate or factor, payment and frequency, fees, expiry, conditions.
- Every revision is versioned, so what you posted stays reconstructable.
- Decline with a reason on the record instead of silence.
A match is not an approval
Clearing your box means the file is eligible for your review. It is not a credit decision, not a pre-approval, and not a promise to the merchant. New Matrix does not approve, decline, or price a deal. Your desk does, and nothing is approved until your desk posts terms.
This is the desk, not a deal feed
One routed file at a time: the merchant, the ask, the evidence on file, and the decision your rep makes on it, right here. Hotkeys move the desk to the next file without leaving the queue.
Deal queue and pipeline
Routed files land in your queue with source labels and move through your stages.
Box-rule evaluation
Product, state, revenue, amount and time in business. Screened before review.
Underwriter leaderboard
Volume, speed and win rate. The gamified CRM your reps actually open.
Live analytics
Funnel, decline reasons and portfolio health, refreshed as deals move.
Portfolio rechecks
Re-check risk on any funded deal from the latest stored statements and connected activity.
New Matrix, your co-pilot
Evidence-labeled estimates and missing-input explanations that support your underwriter's decision.
Every routed file is on the record for six months
Files that clear your box arrive in real time with bank data, documents, and MCA history labeled. Your team underwrites.
Buy leads. Compete with everyone
Same statements, shopped everywhere. You underwrite for an hour, then the file resurfaces tomorrow under another broker.
- Paid leads with low intent
- Race to bottom on price
- No record of who saw what
Free leads. Exclusive window. Audit log
A file stays private until the merchant authorizes the share and it clears your box. Every platform touch writes an attribution audit trail: who saw the file, and when.
- No rented or resold lists
- Six-month anti-circumvention on every routed file
- Downloads watermarked with the receiving desk and deal reference; where a file cannot carry a stamp, the manifest names it
- We never work your book or backdoor your merchants; the audit trail proves it
Fund it without the funding call
Fake signer, wrong account, fake business, misquoted terms: all four verified at the source. The evidence travels with the deal.
| What could go wrong | How it is controlled | You receive |
|---|---|---|
Is this a real, authorized signer? | Government ID and a face match from the signer, reviewed before the file is final. Never handed over by a broker. | Pass or fail, tied to the named signer. |
Does this account belong to them, and are these statements real? | Plaid-verified bank connection. The merchant logs in with their own bank; we never see the password. | Account ownership plus source-of-truth transactions. |
Is this a real, operating business? | The entity checked against registry records, plus cash flow from the account. | The entity, confirmed and tied to the signer. |
Did a broker promise something not in the contract? | The merchant e-signs the exact published terms in-app. No broker term sheet exists to contradict them. | Immutable consent record: document version, timestamp, IP, user agent. |
A synthetic merchant has to defeat all four at once.
Business credit arrives source-labeled in every file. You still pull consumer credit under your own permissible purpose, exactly as you do now.
No statement chasing
Bank data comes straight from the institution. Nothing to re-collect, nothing to re-key.
No login-sharing risk
Credentials never touch us and never touch you.
No broker in the middle
The merchant signs the published terms directly. Nobody quotes numbers the contract does not say.
Standard buy-rate and sell-rate spread, with a provenance trail: your original terms stay beside the published ones, funding reconciles the two, and state disclosures compute from the offer the merchant accepted.
Sample Real product, seeded demo data.
Recheck any funded deal on demand
One click reruns the risk review from stored statement analyses and connected-bank activity. Only deals you funded appear, and changes surface as review signals, never as proof of default.
Lenders ranked on funding speed, offer rate, and volume
Partners are scored on what they do here: deals funded, dollars deployed, offer rate, decision speed. Leaders get the spotlight and priority placement.
- 1Top SBA partnerSBAPlatinum94
- 2Fast MCA funderMCAGold88
- 3Regional line lenderLines of creditGold79
- 4Equipment specialistEquipmentSilver68
Real rankings publish once 3+ partners have live activity. No pay-to-play, no legacy logos: fund well and fast, and the top spot is yours.
Fund more of the right deals, from one operating layer
Everything a funder runs a desk on, in one place:
- Box-screened files
- Pipeline and stages
- Verified bank + KYB data
- Team and reps
- Your ISO book
- Your contract paper
- White-label branding
- Broker-shop call-floor workflow: dispositions, next action, touchpoints
- Today view, leaderboard, analytics, webhooks
The CRM is included, not a bolt-on you pay for twice.
You fund at your buy rate. We win only when your deal does
No subscription, no platform fee, no seat licenses, nothing out of your pocket. Routing follows your box and the merchant's fit, never who pays us.
| Product | Standard | Range per deal |
|---|---|---|
| MCA | 12% | 5% to 15% |
| MCA refinance | 12% | 8% to 15% |
| Consolidation | 8% | 5% to 15% |
| Term loans | 8% | 1% to 10% |
| Lines of credit | 6% | 1% to 10% |
| Equipment finance | 6% | 2% to 15% |
| SBARegulated. Lender-paid only, never charged to the applicant. | 2% | 0.5% to 3% |
| Business credit cardsFlat bounty per approved account, set by the issuer. Never a percentage. | $50 to $200 per approved account | |
Rate inside the range follows paper grade, term, position, and volume.
- MCA-family spread settles out of the merchant's rate per funded deal, never invoiced to you, recognized on most positions once your deal is in profit. A deal that never funds costs you nothing.
- Sustained volume of $5M+ in routed funded deals per quarter qualifies you for negotiated schedules.
- SBA referral compensation is regulated: capped at 3%, lender-paid only, SBA Form 159 handled per the rules.
- The exact rate is recorded on the funded deal. Full terms: Section 2 of the Lender Master Agreement, signed at onboarding.
- Read the Lender Master Agreement key terms, or request the current copy before applying at info@newmatrix.capital.
Bring the deal. Keep the merchant. Get paid per funded deal
Submit a file in minutes and let the platform run it to every funder whose box it clears. You keep the relationship and the commission; New Matrix does the busywork.
Your merchants stay yours
Attribution locks the file to you. No desk you submit to can go around you on the reload.
Build your own book
Add reps and sub-ISOs to your shop, and watch their pipeline and their split from your own desk.
Commission you can see
Every funded deal posts your cut to the ledger, tracked to the dollar.
New Matrix preps the file
Bank data read, positions mapped, stips flagged. You submit a clean file, not a shoebox.
Your split, agreed per relationship. Not a platform-wide rate
No platform fee comes out of your split, and nothing is held back for running the file through the desk. What lands in the ledger is yours, tracked to the dollar.
- Your split is on file before the first deal you send in runs: up to 50% of the platform's points on a deal you source, set per signed schedule. It divides our points, never inflates the merchant's rate.
- Each funded deal posts your cut to the broker ledger, tracked to the dollar.
- Payouts move through Stripe Connect once you complete a one-time bank authorization. Splits are confirmed at onboarding.
- ISO applications get an answer within one business day, same as lenders.
- Sub-broker seats are tracking only for now. You see their book and their splits, but there's no separate login for them yet and no automatic sub-payouts.
8 ways to sell a lead. Exactly how you already do
List once and reach verified funders and brokers. Price any way the market does, keep your terms, and attribution makes sure you get paid.
Borrower files routed through our platform are never sold or recycled. They stay consent-gated and proprietary to the funder who receives them. The marketplace exists separately for vendors who opt in to list leads as merchandise for multiple buyers.
- 01
Per lead
A flat price per lead. Exclusive to one buyer, or shared across a few.
- 02
Only when it funds
Nothing up front. You take a cut of the deals that actually close.
- 03
Live transfers & appointments
Bill per phone-verified transfer or booked meeting, priced by your filters.
- 04
Data lists
Business name, owner, phone, email, and socials, sold by record.
- 05
Aged leads
Move 30, 60, 90+ day inventory down a freshness curve instead of letting it sit.
- 06
Full packages
Submission-ready files: application, bank statements, and voided check.
- 07
UCC & intent data
Merchants with open filings or buying signals, one-off or as a recurring feed.
- 08
Revenue share
No price tag. Split the commission with the desk that closes it.
Real funders and brokers, screened before they can buy.
Attribution and settlement post your money automatically.
TCPA and DNC tooling travels with every list you sell.
Choose the right partnership path
Large volume or API integration
Real volume or a technical integration? Talk to partnerships.
- API and dashboard integration roadmap
- Custom access windows and box rules
- Post-funding monitoring requirements
- Commercial and referral structure
Apply to fund deals
The full lender application in one pass: contact details, funding box, and required consents. Approved lenders are active as soon as onboarding is complete.
- Create your account with full legal and contact details
- Set your funding box: products, states, deal sizes, exclusions
- Sign Terms of Service, Privacy Policy, and E-SIGN consent
- Receive the decision and secure setup link by email
We review within 1 business day. Approved partners receive a one-time password-setup link by email. New Matrix never emails passwords.
Being approved is not a volume promise. What reaches your queue depends on merchants applying and on the box you set, and we would rather tell you that now than after you sign.