$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.
Incentives are the whole story in this industry. So here’s ours in full: every deal goes wherever the terms are better for you. On a partner-lender deal, Emet earns a published band per product, printed on every offer. On a deal MPS funds directly, Emet earns no referral fee at all — and either way, you never get an invoice from us. Read it before you apply.
Some offers are funded by MPS, an affiliated company. We label those. How we work.- $0
- what Emet's service costs you, on every product
- 100%
- of what we earn shown on your offer before you sign
- Soft
- credit pull only — until the moment you accept
Where the money comes fromYou never get a bill
You never get a bill
from Emet.
Every deal goes wherever the terms are better for you. When a partner lender funds it, that lender pays Emet a referral fee — a published band per product, printed on your offer. When MPS, an affiliated company, funds it directly, Emet earns no referral fee at all. We don’t earn a cent if you walk away, and every offer says which one is behind it — so you can see exactly what you’re looking at before you sign.
You apply & accept an offer
Quick check, soft pull, side-by-side offers — partner and in-house.
The lender pays Emet a referral fee
Partner-lender deals — a published band per product, disclosed to the dollar on your offer.
Or MPS funds it directly
MPS, an affiliated company, earns the rate on your offer — not a referral fee.
Your invoice from Emet
There isn't one, either way. No application, advisory, or success fee.
Our cut, by product
Every product, every fee we earn.
On a partner-lender deal, what Emet earns is a published band per product — the same bands the Rate Library shows, and the exact figure is on your offer before you accept. The lender’s published rate (see all four ranges on funding options) is separate. When MPS funds the deal directly instead, there’s no referral-fee band — see below the table. 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 |
|---|---|---|---|---|
Term Loan Fixed installments | 8.9–24.9% APR range | 2.0–4.0% origination · partner-lender deals | The lender | $0 |
Line of Credit Draw as needed | 9.9–28.0% APR range | 1.5–3.0% on draws · partner-lender deals | The lender | $0 |
Revenue-Based Flexes with revenue | 1.10–1.45 Factor | 3.0–6.0% of advance · partner-lender deals | The lender | $0 |
Merchant Cash Advance Daily/weekly remit | 1.12–1.45 Factor | 4.0–8.0% of advance · partner-lender deals | The lender | $0 |
When MPS funds it instead
MPS, an affiliated company, is not one of the partner lenders above. On a deal it funds directly, there’s no referral-fee band to publish — MPS earns the interest or factor printed on your offer instead.
What Emet earns$0
Who earns on the dealMPS
You pay us$0
Rate ranges & referral fees last updated May 19, 2026The exact figure — a fee band or $0 — is shown on every offer before you accept.
No hidden fees
The fees you’ll never see from us.
These are standard line items wherever the borrower gets billed. 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 what we already earn on the deal. What we earn — including $0 on deals our affiliate funds directly — is printed on the offer, never billed to you.
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 rate to pad commission. The rate you see is the rate you sign — what we earn is a separate, stated line.
Emet: $0Show the math
A real deal, every dollar shown.
Move the slider to your funding amount, and toggle who funds the deal. We’ll trace where every dollar goes — what lands in your account, what we earn, and what you owe Emet. That last number never moves.
Your funding amount
Amount, product, and who funds the deal are what move the fee.
$25K$1M
On partner-lender deals, Emet’s band on a term loan is 2.0–4.0% origination, paid by the lender. See the table ↑
Who funds this deal
Every deal goes wherever the terms are better for you — this one’s a partner lender, so the referral fee above applies.
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 on partner-lender deals · 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 on partner-lender deals,your cost:$0
This illustration uses 3% — the midpoint of the 2.0–4.0% band on a term loan; 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 our partner lenders and our own funding side by side and bring back your best offers — every rate published, our exact cut printed on each one.