4.9 on Google · 600+ reviews
"My bank said it would take three months. The contract would've been gone. Emet had offers in front of me in two days — with every fee on one page."
Marcus Trevino
Owner · Trevino Logistics · Dallas, TX
One application · 40+ vetted lendersYour real rate, before
Your real rate, before
anyone gets your email.
No form, no callback — your number is live below. Move the slider.
Estimate what you qualify forruns locally · no email
Avg. monthly revenue$80,000 / mo
$10K$1M+
Credit score
Time in business
You pre-qualify for
$72K–$180K
Terms up to 24 months
4 lender programs match your profile
See my matched lenders
Soft pull only — checking won't touch your score
$840Mfunded since 2019
The receipt
We don't promise transparency. We show it.
Every applicant gets this exact document: their offers, side by side, with every fee itemized — including what Emet earns from each lender.
Notice Lender C pays us the biggest commission — and still isn't the one we flag as the best deal. That's the point of showing you the math.
Offer comparison — $150,000 requested
3 of 5 offers shown
| Lender Abank · term loan✓ Best deal | Lender Bfintech · term loan | Lender Crevenue-basedFastest | |
|---|---|---|---|
| Term | 24 mo | 18 mo | ~14 mo |
| Rate | 14.9% APR | 17.5% APR | 1.24 factor |
| Payment | $7,256 /mo | $9,520 /mo | $3,195 /wk |
| Total fees | $3,000 | $2,645 | $499 |
| What Emet earns | $4,500 | $3,750 | $6,000 |
| Total payback | $177,144 | $174,005 | $186,499 |
Our commission is paid by the lender, not added to your loan — we show it anyway, on every offer, before you sign.
DWTue 9:14 AM
Dana Whitfield
Senior Funding Advisor
Quick one — can I pay this off early without a penalty?
9:14 AMYes — no prepayment penalty on Lender A. I'll add it to your sheet in writing before you sign.
9:16 AMAnd if I go with the faster one instead?
9:17 AMThen I negotiate it in. You pick the deal — I make the terms hold.
9:19 AMIllustrative thread — but this is the pace, and it's always the same person.
One advisor
Her actual name is on every email.
No queue, no "your case has been reassigned." One licensed advisor owns your application from first call to wire.
01
A direct line, not a call center
Call or text the same person every time — replies in minutes, not days.
02
She works the lenders, not you
One application, every lender shopped. They compete — you don't chase.
03
Plain-English answers
Anything confusing in an offer gets explained in writing before you sign.
One hard pull, ever — and only when you accept an offer.
Funding optionsSix ways to fund.
Six ways to fund.
Every range published.
ProductPublished range
SBA LoansGovernment-backed terms — the lowest cost of capital we offer.6.5–11.5%APRTerm LoansA lump sum, fixed payments. Predictable cost for a planned move.8.9–24.9%APRLine of CreditDraw what you need, pay interest only on what you use.9.9–28.0%APREquipment FinancingThe equipment secures the loan — low rate, fast approval.7.5–19.9%APRMerchant Cash AdvanceAdvance on future sales, repaid as a share of daily revenue.1.12–1.45FactorInvoice FactoringTurn unpaid B2B invoices into cash today.1.0–3.0%FeeNot sure which fits? The estimate up top already narrows it — or your advisor matches you in one call.
Full rate libraryHow it works
Four steps. You see the math at every one.
01
Estimate
The slider above. A real range, no email, runs in your browser.
02
Apply
Seven questions, about four minutes. Save & exit any time.
03
Compare
Side-by-side offers in the sheet format above — every fee, our cut shown.
04
Sign & fund
E-sign the one you choose. Funds wire same or next business day.
Questions
Asked on almost every first call.
Anything else — Dana's team picks up at (555) 555-0100, weekdays 8–7 CT.
Will checking my rate hurt my credit?
No. The estimate above runs entirely in your browser — nothing is checked at all. Applying triggers a soft inquiry only, which never affects your score. One hard pull happens, ever: when you accept an offer.
How does Emet make money?
Lenders pay us a commission when a loan funds — it's never added to your loan. We show our exact cut on every offer sheet (see "The receipt" above), and we flag the best deal for you even when it pays us less.
What do I need to qualify?
Most programs want 6+ months in business and $10K+ monthly revenue. Credit below 600 still qualifies for several products — the estimate above adjusts for it. Every product's real range is published in our rate library.
How fast can I get the funds?
Offers arrive in 24–72 hours for most products. Once you e-sign, funds wire the same or next business day. SBA loans are the exception — typically 2–4 weeks for the lowest rates we offer.
What documents do I need?
For most products under $250K: 3–4 months of bank statements and basic business details. No tax returns, no business plan. Larger amounts and SBA loans need more — your advisor lists exactly what, up front.
Start today
Two minutes to your real options.
Tell us a little about your business and Dana's team reaches out within the hour — with numbers, not a pitch.