What Debt-to-Income Ratio Actually Predicts
DTI is one of the most-cited numbers in lending, but few borrowers know exactly what it's a proxy for. Here's the mechanic behind it.
Read the note →
Underwriting
MATRIX CREDIT scores every application against a transparent decision matrix — income, obligations, and history — so you know your odds before you submit anything.
Each product runs through the same matrix — the terms just get structured differently depending on the purpose.
Revolving access to funds, scored against your live income-to-debt profile — draw only what you need.
Fixed-term financing sized to your company's cash-flow matrix, not just a single credit score.
Borrow against a vehicle you own for a lower rate and a larger available line.
Consolidate higher-rate balances into a single facility with one clear monthly payment.
Move the sliders — the highlighted cell shows the outcome band for that income and debt-to-income combination.
The same sequence for every application, regardless of the product you choose.
Submit your income, obligations, and the amount you need.
Our matrix scores the application against thousands of similar profiles.
Get a transparent decision and rate range within minutes.
Accept your terms and funds are sent directly to your account.
Short, practical reading on how credit decisions actually get made.
DTI is one of the most-cited numbers in lending, but few borrowers know exactly what it's a proxy for. Here's the mechanic behind it.
Read the note →Checking your eligibility and formally applying trigger two very different types of credit checks. We break down what each one actually does.
Read the note →A high income doesn't automatically offset a thin credit file, and a long history doesn't always beat strong cash flow. Here's how the two typically trade off.
Read the note →Feedback from people who used the pre-check before formally applying.
"I could see roughly where I'd land before applying — no surprise denial after a hard inquiry hit my report."
"The matrix pre-check took maybe four minutes, and the actual offer matched almost exactly what it predicted."
"Wish the grid explained the scoring in a bit more detail, but the rate I got beat two banks I'd already checked."
No. The pre-check on the decision matrix uses a soft inquiry only and never appears to other lenders.
It's trained on historical repayment outcomes across income bands and debt-to-income ratios, then reviewed regularly by our underwriting team.
A lower likelihood doesn't mean automatic denial — it usually means a smaller amount, a co-signer, or a secured product would fit better.
Most approved applications are funded the same or next business day after the agreement is signed.
Run the pre-check in under five minutes — no hard inquiry, no obligation to proceed.
Check Your Matrix Position