Got a funding offer? Make sure it's real before you sign.
You already know it's an advance — a factor rate, daily payments. That part's fine. The real question is whether this offer is legit, or one of the scams flooding the industry. Answer a few questions for a clear read in under a minute — then we'll line it up against real offers from our desk.
The term math every funder should quote you out loud. The full check also catches what isn't in the quote — buried fees, fake approvals, lookalike lenders.
- Takes about a minute — faster with the contract
- A real Emet advisor reviews it too
- We never charge to check, ever
The industry is full of fakes.
An advance is a real product — but it's surrounded by fake approvals, advance-fee scams, and brokers who bury their fee in the contract. These are the three we catch most:
A real advance — but a 10–15% “Professional Service Fee” is slipped onto the last page and taken straight off the top. Never said out loud.
“Take this advance, pay it down fast, and we'll unlock a $250K credit line.” The expensive advance is real. The credit line never arrives — and the rep stops answering.
“You're approved — just pay a processing or insurance fee to release the funds.” There are no funds. The fee is the theft.
…and the full checklist we score against:
Any “processing,” “insurance,” or “escrow” fee asked before funding.
Big round-number “pre-approvals” that need a deposit to unlock.
Bank logins, SSN, or voided checks requested before any contract.
Domains and logos that mimic a lender you'd recognize.
“Expires in 4 hours” pressure designed to stop you checking.
A “Professional Service Fee” slipped onto the last page — often 10–15% off the top, never said out loud.
A credit line or cheap loan dangled as the reward for taking an expensive advance first.
When it's a good deal, we say so.
since the desk opened
most of it buried broker fees
upfront-fee scams lead the list
we told the owner to take the deal
The single most common thing we catch isn't a fake lender — it's a real one with a 10–15% broker fee slipped onto the last page of the contract. Numbers updated monthly.
Three steps. No black box.
Answer a few quick questions about the offer and who sent it. One at a time, about a minute.
We check the offer against known scam patterns and do the real cost math from your numbers.
A plain-English read — real, worth a closer look, or high risk — plus what it actually costs.
Anything that isn't a clear pass is reviewed by a licensed Emet funding advisor — usually within a couple of hours. The AI is fast; the human is the safety net.
Free, no credit pull, about a minute.