Ten years structuring credit at a regional bank and a marketplace lender. Builds the lender relationships and refuses to mark up a single rate.
We started Emet in 2019 because we were tired of watching good businesses get quietly overcharged.
Between us we’d spent fifteen years inside the small-business lending machine — at banks, at funds, at a marketplace lender. We saw how it actually worked. The rate a business thought they were getting and the rate they actuallysigned were rarely the same number. The difference had a name, and it usually went into the broker’s pocket.
So we built the opposite. A company that shows the rate before you apply. That tells you, in dollars, what it earns on every offer. That runs a soft pull to shop dozens of lenders instead of a hard one that dings your credit. One advisor, start to finish, who tells you when to walk.
Later, we gained the ability to fund some of those deals ourselves, through an affiliate we call MPS. We held it to the same rule we started with: it wins a deal only when its terms are better for you, and what it earns is printed on the offer exactly like a partner lender’s fee is.
Seven years later, we’ve funded $840M+ across 3,200 businesses — and we still publish every fee. Not because regulators make us. Because trust is the whole product, and you can’t fake it twice.