$199industry avg
Application fee
Charged just to submit paperwork — before you've seen a single offer. We never bill to apply.
Emet: $0The pledge · no hidden feesHow we make money,
How we make money,
on one page.
A broker’s incentives are the whole story. So here’s ours in full: Emet is paid by the lender, our exact cut is printed on every offer, and you never get an invoice from us. Read it before you apply.
- $0
- what Emet's service costs you, on every product
- 100%
- of our compensation shown on your offer before you sign
- Soft
- credit pull only — until the moment you accept
Where the money comes fromWe’re paid by the lender —
We’re paid by the lender —
never by you.
When a deal closes, the lender pays Emet a flat referral fee — the same 2.5–3.5% on every lender, so we have no reason to steer you toward one. It means we have one job: bring you an offer good enough that you say yes. We don’t earn a cent if you walk — so we don’t push products that make you walk.
01soft pull
You apply & accept an offer
Quick check, soft pull, side-by-side offers.
02flat 2.5–3.5%
The lender pays Emet a flat referral fee
The same 2.5–3.5% on every lender, disclosed to the dollar.
03$0
Your invoice from Emet
There isn't one. No application, advisory, or success fee.
Our cut, by product
Every product, every fee we earn.
Emet earns the same flat referral fee on every product — that’s deliberate: a fee that never changes gives us no reason to steer you. The lender’s published rate (see all six ranges on funding options) is separate. The column that matters most is the last one — what reaches you as a bill from Emet.
| Product | Published rate | What Emet earns | Who pays us | You pay us |
|---|---|---|---|---|
SBA 7(a) Government-backed | 6.5–11.5% APR range | 2.5–3.5% Flat · lender-paid | The lender | $0 |
Term Loan Fixed payments | 8–24% APR range | 2.5–3.5% Flat · lender-paid | The lender | $0 |
Line of Credit Revolving | 9–28% APR range | 2.5–3.5% Flat · lender-paid | The lender | $0 |
Equipment Financing Asset-secured | 6–18% APR range | 2.5–3.5% Flat · lender-paid | The lender | $0 |
Merchant Cash Advance Advance on sales | 1.12–1.45 Factor | 2.5–3.5% Flat · lender-paid | The lender | $0 |
Invoice Factoring B2B receivables | 1–3% Fee / invoice | 2.5–3.5% Flat · factor-paid | The factor | $0 |
Rate ranges & referral fees last updated May 19, 2026Exact referral fee is shown on every offer before you accept.The flat referral band is 2.5–3.5%.
No hidden fees
The fees you’ll never see from us.
These are standard line items at brokers that bill the borrower. Crossed out is the typical industry charge. Emet doesn’t have a line for any of them.
1–2%of amount
Advisory / packaging fee
A surcharge for “preparing your file.” Our advisors are paid by Emet, not out of your funding.
Emet: $0$500+at closing
Success / broker fee
A second cut taken from you on top of the lender's. We only earn the lender's referral — one source, shown.
Emet: $0$95per pull
Credit-check fee
We run a soft pull to shop your file — it's free, and it never dings your score. A hard pull happens only when you accept.
Emet: $02–5%of balance
Renewal / re-broker fee
A fresh fee every time you refinance. Come back to Emet and you're shopped the same way — no loyalty penalty.
Emet: $0variesburied
Undisclosed rate markup
The oldest trick: quietly inflating the lender's rate to pad commission. The rate you see is the lender's rate — our cut is a separate, stated line.
Emet: $0Show the math
A real deal, every dollar shown.
Move the slider to your funding amount. We’ll trace where every dollar goes — what lands in your account, what the lender pays us, and what you owe Emet. That last number never moves — and neither does our fee when you switch products.
Your funding amount
The only number that moves the fee.
$25K$1M
Why there’s no product to pick
The referral fee is a flat 2.5–3.5% on all six products — SBA, term, line of credit, equipment, MCA, and factoring alike. The product you choose never changes what Emet earns, so there’s nothing to select. See the table ↑
What Emet’s service costs you
$0no invoice from Emet, ever
Funding to your accountThe full amount you requested
$150,000Emet's referral feePaid by the lender · disclosed on your offer
$4,500Billed to you by EmetApplication + advisory + success fees
$0Here’s the math
$150,000×3%=$4,500→ billed tothe lender,your cost:$0
This illustration uses 3% — the midpoint of the 2.5–3.5% band; your offer states the exact figure. The lender’s interest or factor cost is shown on funding options — this view isolates Emet’s compensation.
Now you’ve read the fine printNo surprises left.
No surprises left.
Let’s see your offers.
Four minutes, seven questions, one soft pull. We shop 40+ lenders and bring back side-by-side offers — every rate published, our exact cut printed on each one.