One application, watched all the way to the wire.
Four steps between a first estimate and money in your account. Follow a sample file through — the math is visible at every one.
Published ranges, dated by product in the Rate Library
STEP 01
A real range, before we know your name.
A revenue slider and two questions return a range built from the bands we publish in the Rate Library — the low and high our lenders approved on funded deals. No email gate: run it now.
~2 min · nothing is checked
$145,000estimate
What our model returns for a file this size — before we know your name.
- Weekly payment
- $3,513
- Term
- 12 mo · 52 payments
- Total payback
- $182,700
- Credit pull
- none yet
STEP 02
Seven fields. Nothing else.
Underwriting happens on the lender’s side, not in this form — so seven answers are enough to get real offers back. One soft pull; your score doesn’t move.
~4 min · soft pull only
The application, in full:
- Legal business name
- public records
- EIN
- soft pull
- Monthly revenue
- lender bands
- Time in business
- product gate
- Use of funds
- product match
- Phone
- one advisor
- resume link
STEP 03
Every lender it fits sees it at once.
Your file goes to every matched lender at the same time, not one desk after another — MPS, an affiliated company, is considered alongside them, and every offer says which one is behind it. Three to five offers usually land the same business day, and every pass comes with its reason.
same day · pass reasons included
Dozensof lenders see it at once
Every product your file fits gets shopped at the same time — not one desk after another. MPS, an affiliated company, is considered alongside them, and every offer says which one is behind it.
- Term Loan
- 1–3 days
- Line of Credit
- Same day
- Revenue-Based
- Same day
- Merchant Cash Advance
- Same–next day
STEP 04
Every fee on one line. Then the wire.
Offers sit side by side — every fee named in the same table, per product, as published in the Rate Library, and any offer funded by MPS is labeled as ours. Sign one, whichever you chose runs the only hard pull, and the money moves.
hard pull only at sign · wire same or next day
Offers land side by side — every fee named in the same table, and any offer funded by MPS is labeled as ours.
- Lender ATerm Loan · 3–60 mo
- 8.9–24.9% APRour fee 2.0–4.0% origination
- Lender BRevenue-Based · 3–18 mo
- 1.10–1.45 factorour fee 3.0–6.0% of advance
- Lender CMerchant Cash Advance · 3–18 mo
- 1.12–1.45 factorour fee 4.0–8.0% of advance
Your advisor
A named human runs it with you.
One person from application to wire — not a queue and not a chatbot. You get their name and their direct line when you apply. If you’d rather talk before you type anything, start with the call.
What they do
- Shop your file across the network
- Translate offer terms in plain English
- Negotiate fees on your behalf
- Tell you when to pass
What they don’t
- Push a lender for kickbacks
- Route a deal to MPS when a partner's offer is better
- Pressure-call you outside hours
- Hide what we earn
- Sell or share your data
The fine print, answered
Does applying hurt my credit?
Not until you sign. Steps 1–3 use at most a soft pull, which is invisible to other lenders and doesn’t move your score. The single hard pull runs when you sign an offer — by whichever one you chose, and no one else. If you decline every offer, no hard pull ever runs.
How does Emet make money?
On an offer from a partner lender, a percentage of the funded amount, paid by that lender at funding. It varies by product — every range is published in the Rate Library — and it appears as a line item on every offer you see, before you sign. On a deal placed in-house with MPS, an affiliated company, Emet earns no referral fee — MPS earns the interest or factor printed on that offer instead.
What documents do I actually need?
For most products: four months of bank statements — linked automatically or uploaded — and a photo of your ID. Tax returns unlock SBA; equipment financing needs the invoice. Everything goes into one drop zone, no fax and no email back-and-forth. Checklist →
What if every lender declines?
You see each pass reason in plain language, by lender, and your advisor calls within a business day with what would change the outcome — another few months of revenue, a co-signer, a different product. No hard pull ran. You owe nothing.
How is the rate range calculated?
From the bands our lenders actually approved on funded deals, for files like yours — volume, time in business, and product. Not a marketing floor. The Rate Library lists every band by product, with the date each one is true as of.
Can I talk to a human first?
Yes — book a 15-minute call before you do anything else, or text the advisor line and you’ll get a person during business hours. No bot triage, no “press 1 for funding.”
See your rate.
It takes two minutes.
soft pull until you sign · no obligation, ever