Payments that breathe with your sales.
Capital repaid as a fixed percentage of your revenue — so payments shrink in slow months and grow in strong ones. Priced as a factor, not an interest rate, and funded as fast as same day.
- Amount
- $10K–$500K
- Term
- 3–18 mo
- Min credit
- 550+
- 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 revenue swings month to month
- You want payments that flex with what you actually earn
- You need cash fast and credit is in the 550–650 range
- You value flexible, revenue-linked payments and fast funding
- You want the lowest cost of capitalBetter fit: SBA 7(a) →
- You can qualify for a fixed-rate term loanBetter fit: Term Loan →
- You want a reusable line, 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 multiplier, not an APR — $50,000 × 1.30 means you repay $65,000 total, with no separate interest. Repayment is a set share of revenue, so the calendar flexes with your sales. Emet’s fee is disclosed before you sign.
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
- 550+ personal credit
- $15K+ average monthly revenue
- Steady deposit activity
- Driver’s license & voided check
- Last 4–6 months business bank statements
- Recent payment processor statements (if card-heavy)
- STEP 1Apply4 minutesSoft pull, no score impact
- STEP 2OfferSame dayFactor, term, and revenue share
- STEP 3Accept—Terms locked, no hidden fees
- STEP 4FundedSame 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.
Revenue-BasedThis page Flexes with revenue | Merchant Cash Advance Daily/weekly remit | Term Loan Fixed installments | |
|---|---|---|---|
| Rate | 1.10–1.45 factor | 1.12–1.45 factor | 8.9–24.9% APR |
| Amount | $10K–$500K | $5K–$500K | $25K–$500K |
| Funded in | Same day | Same–next day | 1–3 days |
| Best for | Flexible fast cash | Fastest cash | Predictable lump sum |
| Apply now → | View Merchant → | View Term → |
Questions, answered.
How is a factor different from an APR?
A factor is a flat multiplier. A 1.30 factor on $50,000 means you repay $65,000, period — no compounding interest. We never disguise a factor as an APR to make it look smaller.
How are payments collected?
As a fixed percentage of your revenue, usually daily or weekly via ACH. When sales dip, the dollar amount dips with them; the total repaid stays the same.
Can I pay it off early?
Yes, and some agreements discount the remaining cost if you do. Because the cost is a fixed factor, early-payoff savings vary — we’ll show the terms before you sign.
What does Emet earn?
3.0–6.0% of the advance, disclosed up front. It’s part of the cost shown on your offer, not an add-on.
How does this compare to a merchant cash advance?
Both are factor-priced and fund fast. Revenue-based financing usually runs a longer term, while an MCA can fund even quicker and approve lower credit. If you qualify for both, we’ll put them side by side and let the numbers decide.
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.