Four steps.
You see the
math at every one.
From the moment you move a slider to the wire hitting your account — every fee, every rate, every minute it costs you, on the page.
- Time to soft pull
- ≤4min
- Application → wire
- Sameor next day
- Hard pulls
- 1· at sign
- Lender network
- 40+
- 01~2 minEstimate/ · no PII
- 02~4 minApply/apply · soft pull
- 03~hoursCompare offers/offers · 3–5 lenders
- 04same daySign & fundhard pull · wire
Estimate your rate — before we know your name.
Two sliders. A rate range and a weekly payment. The math is in the open — no email gate, no sign-up, no cookie wall. You see the same calculator we use to brief lenders.
What estimating gets you
A realistic factor / APR range for your monthly volume — based on the same product matching logic our advisors run, not a marketing tease. If the rate doesn’t make sense for your business, we’d rather you know now than after a hard pull.
The calculator stays in your browser. We don’t see what you type until you decide to apply.
- No credit pull. Soft or hard. Period.
- The math is shown. Factor × principal ÷ term. Open it.
Quick check — seven fields, and we tell you why each one.
We ask only what a lender needs to underwrite. No “to better serve you” boxes. Click any field to read exactly what it unlocks and why we’re not asking for more.
The 7 fields, opened up
7 / 7 · ~4 minClick a field to see exactly why it’s asked.
Legal business namerequired
We use this to pull the entity from public records — no document upload yet. If you’re a sole prop, your full name is fine.UNLOCKS · ENTITY_VERIFYEIN (or SSN if sole prop)required
Used for a soft credit pull only — does not affect your score. Encrypted in transit and at rest. We don’t sell or share it with non-matched lenders.UNLOCKS · SOFT_PULL · LENDER_MATCHMonthly revenue rangerequired
A range, not an exact number. Determines which lender bands you qualify for. Bank link in step 3 will verify — guess freely.UNLOCKS · BAND_MATCH · MAX_OFFERTime in businessrequired
Under 6 months unlocks revenue-based / MCA only. Over 2 years unlocks SBA & term loans. We show you that gate before you finish.UNLOCKS · PRODUCT_GATEUse of fundsrequired
“Inventory,” “payroll bridge,” “equipment” — short. Some products require a stated use (equipment financing especially). Plain English is fine.UNLOCKS · PRODUCT_MATCHBest contact phonerequired
Your advisor uses this if you go quiet. We cap outbound contact at one call & one SMS — and you can opt to chat-only. No autodialers, ever.UNLOCKS · ADVISOR_HANDOFFEmailrequired
Magic link to resume if you bail; offer PDFs land here. One email per week, max. Unsubscribe is one click and we mean it.UNLOCKS · MAGIC_LINK · OFFER_DELIVERY
Why so short?
Brokers ask for forty fields up front because they’re underwriting at the broker level. We’re not. Underwriting happens at the lender — we shop your file across the matched ones, so a clean 7-field check is enough to get real offers back.
If we need anything else (a bank link, ID, optional tax returns to unlock SBA), it comes in step 3 — after you’ve seen the math, not before.
- Save & exit anywhere. Resume via magic link, no account needed.
- Your data isn’t shopped. We share only with matched lenders, named on the offer page.
We shop your file — across forty lenders, in the open.
The minute you submit, your advisor pushes your file to every lender it qualifies for — in parallel, not in sequence. Offers start coming back within hours, on the same business day you apply.
The whole network gets a shot
Your file goes wide — every lender in our 40+ network that matches your product, volume, and time-in-business gate. We don’t route preferred deals to preferred desks; everyone matched gets the file at the same time.
You’ll see the live match count update as lenders qualify the file. Typically 3–5 come back with offers the same business day you submit; the rest pass — and we’ll tell you why.
- Real names, not placeholders. You see who’s bidding.
- Pass reasons are shown. If a lender declines, the reason lands in your portal.
Lender match · live preview
ShoppingSample file: $150K · 24mo time-in-business · logistics
- KAPITUS
- FORWARD
- ONBRIDGE
- HEADWAY
- BLUEVINE
- CRESTLINE
- FUNDBOX
- OFFRAMP
- MERIDIAN
- CLEAR
- UPWISE
- FLEXION
- BRIGADE
- LIGHTHOUSE
- RAILYARD
- NORTHSTAR
- PORTLAND
- SUMMIT
- CANOPY
- GROVE
- BEACON
- PINNACLE
- HARBOR
- TRELLIS
- SEABRIGHT
- OAKWOOD
- TIDAL
- REEF
- BAYSIDE
- VERTEX
- NIMBUS
- CASCADE
- BRIDGE
- ANCHOR
- RIDGE
- WATERMARK
- COBALT
- SILVER
- EVERGREEN
- RIVERFRONT
Sign one offer. Wire goes today.
Offers land side-by-side, with every fee — including our cut — named in the same table. Sign one, the lender runs a hard pull, the wire is on its way. Same business day for most products, next day at the outside.
Your offers · side by side
3 of 14 returned · today| Lender | APR | Term | Lender fee | Our cut | Weekly |
|---|---|---|---|---|---|
Kapitus Bank Term loan · 18 mo | 31.4% | 18 mo | $2,250 orig. | $3,750 · 2.5% | $2,118 |
Forward Funding Revenue-based · 12 mo | 38.2% | 12 mo | $0 upfront | $4,500 · 3.0% | $3,692 |
OnBridge Capital MCA · 9 mo | 52.1% | 9 mo | $3,900 orig. | $5,250 · 3.5% | $4,840 |
- BestKapitus BankTerm loan · 18 mo
- APR
- 31.4%
- Term
- 18 mo
- Lender fee
- $2,250
- Weekly
- $2,118
- Our cut
- $3,750 · 2.5%
- Forward FundingRevenue-based · 12 mo
- APR
- 38.2%
- Term
- 12 mo
- Lender fee
- $0
- Weekly
- $3,692
- Our cut
- $4,500 · 3.0%
- OnBridge CapitalMCA · 9 mo
- APR
- 52.1%
- Term
- 9 mo
- Lender fee
- $3,900
- Weekly
- $4,840
- Our cut
- $5,250 · 3.5%
Why we name our cut
Most brokers fold their commission into the lender rate so you never see it as a line item. We don’t. Our cut is a flat percentage of the funded amount, disclosed before sign, the same on every offer — so it never bends the recommendation.
- Same percentage, every lender. It never bends the recommendation.
- Walk away free. No offer accepted means we earn nothing.
- Median reply
- 11min
- Deals closed
- 340+
Business hours, last 30d
Across 14 industries
One human, the whole way through.
When you apply, you get one named advisor — not a queue, not a chatbot. Same person from estimate to signed offer to wire. You’ll know their name, their hours, and their direct line.
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
- Pressure-call you outside hours
- Hide our commission
- Sell or share your data
The six we get most often.
Short answers, with links to the long ones if you want the depth.
Search 40+ more questions01Does applying hurt my credit?
Not in steps 1–3.The quick check uses a soft pull that’s invisible to other lenders and doesn’t move your score. A hard pull fires only when you click sign on an offer in step 4 — and only the lender you chose runs it. If you decline every offer, no hard pull ever runs.
SOFT_PULL_ONLY · UNTIL_STEP_4Full credit pull policy →02How does Emet make money?
A flat 2.5–3.5% of the funded amount, paid by the lender at funding. The same percentage applies to every lender on our network — so it never bends which one we recommend. Our cut appears as a line item on every offer you see, before you sign.
FLAT_RATE · ALL_LENDERSPricing & fees →03What documents do I actually need?
For most products: a Plaid bank link (4 months) and a photo of your ID. SBA unlocks if you add tax returns, and equipment financing needs an invoice. Everything goes into a single drop zone in step 3 — no fax, no email back-and-forth.
DOCS · STEP_3Document checklist →04What if every lender declines?
You see the pass reasons in your portal— by lender, in plain language. Your advisor calls within a business day with the two or three things that would change the outcome (e.g. “another 6 months of revenue, or an SBA-eligible co-signer”). No hard pull ran. You owe nothing.
DECLINED · NO_FEE · NO_HARD_PULLHow we handle passes →05How is the rate range calculated?
From the actual offer bands our matched lenders quoted in the last 90 days for files like yours (volume × time-in-business × product). Not a marketing range. The library page lists the underlying bands by product — open math, audited monthly.
SOURCE · MATCHED_LENDER_OFFERS_90DRate library →06Can I talk to a human first?
Yes — book a 15-minute callwith an advisor before doing anything else. Or text the published advisor line and you’ll get a reply within business hours (median: 11 minutes, last 30 days). No bot triage. No “press 1 for funding.”
HUMAN_FIRST · NO_BOTBook a call →
Apply this morning.
Wire by close.
Four minutes of typing, a soft pull, three to five offers back the same day — and a wire on its way before the bank closes. Start with the calculator from step 1.
- Same/next-day funding
- Soft pull · until step 4
- No obligation, ever
The Emet pledge
Real rates. No hidden fees. We work for you.
- Published rate ranges, sourced from the last 90 days of matched offers.
- Every fee disclosed before sign — including the cut we earn from each lender.
- One advisor, named, across the whole application. No queue, no chatbot.
- Soft pull only until you sign. Walk away free at any step.