Why Emet · Est. 2019

Emet means
truth. We built
a broker around it.

Most brokers profit from confusion — the markup you never see, the fee buried on page nine. We do the opposite. Show the rate, show the fees, and put the business owner on the same side of the table as us.

See my rateRead the pledge
Funded
$840M+
Businesses
3,200+
Lender network
40+
Hidden fees
0
The Emet pledgeSIGNED / EVERY DEAL
01
Real rates
published · live calculator
visible
02
No hidden fees
every fee disclosed
disclosed
03
We work for you
soft pull · one advisor
your side
EMET_PLEDGE / V1Trust is the whole product.
The wedge · Three promises

Three claims separate us from every other broker.
We put all three in writing.

They aren’t taglines. Each one is a concrete commitment you can hold us to — and each one shows up on every page, in the rate you see before you apply, in the fee line on your offer, and in the advisor who never hands you off.

01

Real rates.

Published factor and APR ranges by product, plus a live calculator on every funding page. See a real number before you give us an email — and the math behind it, always.

1.25–1.35 factor · shown upfront
02

No hidden fees.

Every fee is disclosed on the pricing page and surfaced inside offer comparison. We tell you exactly what we earn from each lender, in plain language, before you sign anything.

Our commission, in writing
03

We work for you.

One advisor across the whole application. Lender shopping happens behind a soft pull, never a hard one. Save and exit on any step — no account required to read an estimate.

Soft pull · one human
Our story

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.

The product wasn’t capital. The product was confusion — and confusion was profitable.

So we built the opposite. A broker that shows the rate before you apply. That tells you, in dollars, what it earns from each lender. That runs a soft pull to shop forty-plus lenders instead of a hard one that dings your credit. One advisor, start to finish, who works for you — not whoever pays the fattest commission that week.

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.

Daniel Roth & Sara Levin
Co-founders, Emet Capital
The model

A broker is supposed to work for the borrower.

Somewhere along the way the industry forgot that. Here’s the line we draw — what an Emet advisor does, and what we’ll never do, no matter how much a lender offers us to do it.

What we do

Everything below is standard on every application. No tiers, no upsell.

  • Show the rate first. A real estimate and its math before you ever enter an email.
  • Shop 40+ lenders behind a single soft credit pull — no hit to your score.
  • Disclose our commission on every offer, in dollars, before you sign.
  • Give you one advisor start to finish — same name, same number.
  • Tell you to walk when no offer beats what you already have.
What we never do

The standard playbook of the industry we left. None of it lives here.

  • Mark up the lender's rate and keep the spread quietly.
  • Run a hard credit pull just to show you a number.
  • Bury origination or "processing" fees on page nine.
  • Steer you to the lender that pays us the most.
  • Pressure you with countdown timers or "rates rising."
By the numbers

Seven years, audited honestly.

$840M
Funded since 2019
Across SBA, term, lines, equipment & more.
3,200+
Businesses funded
Main-street to mid-market, all 50 states.
40+
Lenders in network
Banks, funds & specialty lenders, one soft pull.
4.9
Average rating
Across 1,100+ verified client reviews.
The people

Operators who left the machine to fix it.

No call-center floor, no commission leaderboard on the wall. A small senior team that’s sat on the other side of these deals — and decided to do them differently.

DR · CO-FOUNDER
Daniel Roth
Co-founder & CEO

Ten years structuring credit at a regional bank and a marketplace lender. Builds the lender relationships and refuses to mark up a single one.

SL · CO-FOUNDER
Sara Levin
Co-founder & Head of Advisory

Ran underwriting for a $300M SBA portfolio. Trains every advisor on one rule: if you can't show the math, you can't make the offer.

MO · OPERATIONS
Marcus Okafor
Head of Operations

Keeps the soft-pull engine and lender feeds honest, so the rate you see in the calculator is the rate that holds at the table.

Lender network

Forty-plus lenders. One soft pull.

We’re not a lender — we’re independent, so we can shop the whole market for you instead of selling one balance sheet. Banks, SBA preferred lenders, asset-based funds and specialty shops all see the same application, and you keep your credit score intact while they compete.

SBA preferredCommunity banksTerm fundsAsset-basedEquipmentRevenue-basedFactoring

Network · live matching

Shopping
SBABNKFNDABLEQPRBFFACBNKSBAFNDBNKABLEQPFNDRBFFACBNKSBAFNDABLEQPFNDBNKRBFSBAFACBNKFND
40+ lenders · 1 soft pullNO HARD INQUIRY
Get funded

See your real rate.
Then decide.

No email wall, no hard pull, no pressure. Check your options in about four minutes and hold us to every word of the pledge.

See my rateTalk to an advisor
Soft pull only≈ 4 minutesNo account needed
The pledge
Three promises, in writing.
  • Real rates. Published, with a live calculator on every page.
  • No hidden fees. Our commission shown on every offer.
  • We work for you. One advisor, soft pull, your side of the table.
CallApply NowText Us