4.9 on Google · 600+ reviews
"My bank said it would take three months. The contract would've been gone. Emet had offers in front of me in two days — with every fee on one page."
Marcus T.
Owner · Logistics company · Dallas, TX
$840M funded since 2019 · dozens of vetted lenders
Get funded in as little as 24 hours.
No hidden fees. No impact to your credit score.
Soft pull only — checking won’t touch your scoreAnswer once — we carry it straight into your application.
Credit from 5006+ months in business$10K+/mo revenue
most owners qualify for at least one of our products
$840Mfunded since 2019
Funding optionsFour ways to fund.
Four ways to fund.
Every range published.
ProductPublished range
Term LoansA lump sum, fixed payments. Predictable cost for a planned move.8.9–24.9%APRLine of CreditDraw what you need, pay interest only on what you use.9.9–28.0%APRRevenue-BasedPayments that flex with your revenue, funded as fast as same day.1.10–1.45FactorMerchant Cash AdvanceAdvance on future sales, repaid as a share of daily revenue.1.12–1.45FactorNot sure which fits? The estimate up top already narrows it — or your advisor matches you in one call.
Full rate libraryUse of funds
What you can do with it.
Eight of the most common uses and the product that fits each one. Same-day funding available.
Cover payrollLine of CreditStock up on inventoryRevenue-BasedExpand or renovateTerm LoanBuy equipmentTerm LoanHire ahead of a contractTerm LoanConsolidate debtTerm LoanMove on an opportunityCash AdvanceTap your property equityHELOC
Every rate is published before you apply — see the full Rate Library.
The receipt
We don't promise transparency. We show it.
Every applicant gets this exact document: their offers, side by side, with every fee itemized — including what Emet earns on every offer, whether it's a partner lender or funded in-house.
Notice Lender C pays us the biggest commission — and still isn't the one we flag as the best deal. That's the point of showing you the math.
Offer comparison — $150,000 requested
4 of 5 offers shown
| Lender Abank · term loan✓ Best deal | Lender Bfintech · term loan | Lender Crevenue-basedFastest | MPSin-house · MCA | |
|---|---|---|---|---|
| Term | 24 mo | 18 mo | ~14 mo | 10 mo |
| Rate | 14.9% APR | 17.5% APR | 1.24 factor | 1.29 factor |
| Payment | $7,256 /mo | $9,520 /mo | $3,195 /wk | $4,650 /wk |
| Total fees | $3,000 | $2,645 | $499 | $725 |
| What Emet earns | $4,500 | $3,750 | $6,000 | No fee — MPS earns the rate |
| Total payback | $177,144 | $174,005 | $186,499 | $194,225 |
On partner-lender offers, our commission is paid by the lender, not added to your loan. On offers funded by MPS, Emet earns no referral fee at all — we show it either way, on every offer, before you sign.
Why EmetThree reasons owners pick us
Three reasons owners pick us
over their bank.
Money in as little as 24 hours
Offers the same business day. Wire same or next.
Three to five offers usually land the same business day. Sign one and the wire goes out same or next day.
Dozens of lenders, one soft pull
One soft pull. Approvals from 500 credit.
Every matched lender sees your file at once, with approvals from 500 credit. Each pass comes back with its reason.
Nothing to pay to find out
You never get billed by Emet. No obligation.
You never get a bill from Emet — partner lenders pay our fee, in-house offers carry no referral fee at all. Applying costs $0, no obligation, no hard pull until you sign.
How it works
Four steps. You see the math at every one.
01
Estimate
The slider above. A real range, no email, runs in your browser.
02
Apply
Seven questions, about four minutes. Save & exit any time.
03
Compare
Side-by-side offers in the sheet format above — every fee, our cut shown.
04
Sign & fund
E-sign the one you choose. Funds wire same or next business day.
Live estimate
Know your number before you apply.
No form, no callback — move the slider and your live range updates instantly.
Estimate what you qualify forruns locally · no email
Avg. monthly revenue$80,000 / mo
$10K$1M+
Credit score
Time in business
You pre-qualify for
$72K–$180K
Terms up to 24 months
4 lender programs match your profile
See my offers
Soft pull only — checking won't touch your score
Questions
Asked on almost every first call.
Anything else — our advisors pick up at (555) 555-0100, weekdays 8–7 CT.
Will checking my rate hurt my credit?
No. The estimate above runs entirely in your browser — nothing is checked at all. Applying triggers a soft inquiry only, which never affects your score. One hard pull happens, ever: when you accept an offer.
How does Emet make money?
Depends who funds the deal. Partner lenders pay us a commission when a loan funds — it's never added to your loan. When a deal is funded in-house through MPS, Emet earns no referral fee at all — MPS earns the rate printed on the offer. Either way, we show our exact cut on every offer sheet (see "The receipt" above), and we flag the best deal for you even when it pays us less.
What do I need to qualify?
Most programs want 6+ months in business and $10K+ monthly revenue. Credit below 600 still qualifies for several products — the estimate above adjusts for it. Every product's real range is published in our rate library.
How fast can I get the funds?
Offers arrive in 24–72 hours for most products. Once you e-sign, funds wire the same or next business day.
What documents do I need?
For most products under $250K: 3–4 months of bank statements and basic business details. No tax returns, no business plan. Larger amounts and secured deals need more — your advisor lists exactly what, up front.
Start today
Two minutes to your real options.
Tell us a little about your business and an advisor reaches out within the hour — with numbers, not a pitch.