The fastest cash, honestly priced.
An advance against future sales, repaid as a small slice of daily or weekly revenue. It’s the fastest capital we offer and the easiest to qualify for — funds can land the same day, and approvals reach where other products can’t.
- Amount
- $5K–$500K
- Term
- 3–18 mo
- Min credit
- 500+
- Funded in
- Same–next 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.
- You need money today and can put it to work fast
- Your credit is below 600 but your sales are steady
- You have a short-term, high-return use for the cash
- You want repayment that flexes with your daily revenue
- You can wait even a few daysBetter fit: Term Loan →
- Your revenue is steady and credit is 600+Better fit: Revenue-Based →
- You want the lowest cost of capitalBetter fit: SBA 7(a) →
- You need reusable cash, not a lump sumBetter fit: Line of Credit →
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.
A factor is a flat multiplier, not an APR — $30,000 × 1.35 means $40,500 repaid, with no compounding interest. Repayment flexes with your daily sales, and every dollar of cost is on the offer before you sign. Emet’s fee is disclosed up front.
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
- 500+ personal credit
- $10K+ average monthly revenue
- Daily or weekly card/deposit volume
- Driver’s license & voided check
- Last 3–6 months business bank statements
- Recent merchant processor statements
- STEP 1Apply4 minutesSoft pull, no score impact
- STEP 2OfferSame dayFactor, holdback, and term
- STEP 3Accept—Every dollar of cost disclosed
- STEP 4FundedSame–next dayCash in your account
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.
Merchant Cash AdvanceThis page Daily/weekly remit | Revenue-Based Flexes with revenue | Line of Credit Draw as needed | |
|---|---|---|---|
| Rate | 1.12–1.45 factor | 1.10–1.45 factor | 9.9–28.0% APR |
| Amount | $5K–$500K | $10K–$500K | $10K–$250K |
| Funded in | Same–next day | Same day | Same day |
| Best for | Fastest cash | Flexible fast cash | Flexible safety net |
| Apply now → | View Revenue-Based → | View Line → |
Questions, answered.
How does the pricing work?
It’s a factor — a flat multiplier on the advance. A 1.35 factor on $30,000 means $40,500 repaid, full stop. No compounding, no surprises, and the whole cost is on your offer before you sign.
How is it repaid?
As a fixed percentage of your daily or weekly sales (the “holdback”), pulled automatically. Slow days cost less in dollars; the total repaid is fixed by the factor.
What makes an MCA worth it?
Speed and access. It funds in as little as a day and approves businesses other products decline — so when an opportunity or a gap is time-sensitive, the cash is there. You’ll always see the full cost, and any other options you qualify for, before you decide.
What does Emet earn?
4.0–8.0% of the advance, disclosed on every offer. As with every product, you see our cut before you accept anything.
Can I move to another product later?
Yes. Once you’ve built a few months of strong history, many owners qualify to refinance or graduate into a term loan or revenue-based facility — we’ll flag it the moment you’re eligible.
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.