Money on standby, only when you need it.
A revolving credit line you draw against as needs come up — and you pay interest only on what you actually use. Approve once, then tap it again and again without reapplying.
- Limit
- Up to $250K
- Term
- 6–24 mo
- Min credit
- 625+
- Funded in
- Same day
Is this the right tool?
We earn more on some products than others — so the only way you can trust a recommendation is if we tell you when to walk away. Here is exactly who this is, and isn't, for.
- Your cash flow is uneven — busy months and slow months
- You want a safety net you can draw on instantly
- You buy inventory or cover payroll gaps repeatedly
- You want to pay interest only on what you use
- You need one large lump sum for a projectBetter fit: Term Loan →
- You want the lowest long-term rateBetter fit: SBA 7(a) →
- You’re financing a specific equipment purchaseBetter fit: Equipment Financing →
- Your credit is below 600Better fit: Merchant Cash Advance →
What it actually costs.
One worked example, every line shown — including what we earn. No teaser rate, no fine print. Want to run your own numbers? The calculator does it live.
You pay nothing on the portion you don’t use. Interest accrues only on the balance you’ve drawn, for only as long as it’s outstanding. Emet’s draw fee is disclosed before you draw.
Eligibility & documents.
The honest minimums and the exact paperwork — so you know whether to apply and what to gather before you do.
- 6+ months in business
- 625+ personal credit
- $10K+ average monthly revenue
- Consistent deposit activity
- Driver’s license & voided check
- Last 6 months business bank statements
- Most recent business tax return (limits over $100K)
- STEP 1Apply4 minutesSoft pull, no score impact
- STEP 2ApprovedSame dayYour limit and draw rate set
- STEP 3DrawInstantPull funds whenever you need them
- STEP 4Repay & reuseRevolvingPay down, draw again, no reapply
Compared with the alternatives.
The two products people weigh this against most often. Same numbers as our Rate Library, so the comparison is apples to apples.
Line of CreditThis page Draw as needed | Term Loan Fixed installments | Merchant Cash Advance Daily/weekly remit | |
|---|---|---|---|
| Rate | 9.9–28.0% APR | 8.9–24.9% APR | 1.12–1.45 factor |
| Amount | $10K–$250K | $25K–$500K | $5K–$500K |
| Funded in | Same day | 1–3 days | Same–next day |
| Best for | Flexible safety net | Predictable lump sum | Fastest cash |
| Apply now → | View Term → | View Merchant → |
Questions, answered.
Do I pay interest on the whole line?
No — only on what you draw, for as long as it’s outstanding. An unused line costs you nothing beyond any small maintenance fee, which we disclose up front.
How fast can I access funds?
Once approved, draws are typically instant to same-day into your business checking. The first approval can land the same day you apply.
Does it renew automatically?
Most lines renew on a 6–24 month cycle as long as the account stays in good standing. As you repay, your available credit replenishes without reapplying.
What does Emet earn?
A 1.5–3.0% fee on funded draws, disclosed before you draw. Nothing is added to your interest rate.
Is there a personal guarantee?
Yes, a personal guarantee is standard. Most lines are otherwise unsecured for limits under $100K.
See your real rate today.
Answer seven questions and we’ll shop 40+ lenders for you — side-by-side offers, every fee disclosed, our cut shown. No hard pull until you accept.