Working capital, without the waiting.
Merchant cash advances, business lines of credit and term loans for restaurants, retailers, contractors, practices and more. Approved in hours, funded in as little as a day.
- No obligation
- Funded in as little as 24 hours
- Credit scores from 550
Three ways to fund, one advisor
Tell us what you're trying to do and we'll match you to the product that fits, not the one that pays us most.
Merchant cash advance
A lump sum now, repaid as a small fixed percentage of daily card sales. Fastest to fund and the most forgiving on credit.
- Amount$5,000 – $500,000
- Funding24 – 48 hours
- Repayment% of daily sales
- Best forSpeed, seasonal businesses
Business line of credit
Draw what you need, when you need it, and pay interest only on what you use. Funds replenish as you repay.
- Limit$10,000 – $250,000
- Funding1 – 3 days
- RepaymentWeekly or monthly on drawn balance
- Best forCash-flow gaps, recurring needs
Term loan
A fixed amount, a fixed rate and predictable monthly payments over one to five years. Built for larger, planned investments.
- Amount$25,000 – $500,000
- Funding2 – 5 days
- RepaymentFixed monthly, 1 – 5 years
- Best forEquipment, expansion, refinancing
From application to funded in three steps
Built for owners who don't have a week to spend on paperwork.
Apply in 5 minutes
Tell us about your business and upload your last 3–4 months of bank statements. No business plan, and for most products no tax returns.
Get a same-day offer
An advisor reviews your actual sales, not just your credit score, and comes back with the product and terms that fit. Most applicants hear back within a few hours.
Funded in as little as 24 hours
Sign electronically and the money lands in your business account, often the next business day. Payments run automatically so there is nothing to remember.
See what a cash advance could look like
Move the sliders to get a rough idea of your advance, your daily remittance and the total cost. It takes ten seconds and nothing is submitted.
- Advances typically up to one month of card sales, capped at $500,000
- Remittance is a fixed percentage of card sales, collected daily, weekly or monthly, so slow periods cost less
- Looking at a line of credit or term loan instead? Apply and an advisor will quote both.
Cash advance estimator
InstantIllustrative estimate using a 1.22 factor rate. Daily, weekly and monthly schedules remit the same share of sales; only the timing changes. Actual offers are based on underwriting of your sales history and are not guaranteed. A merchant cash advance is not a loan.
Get my real offerBuilt for businesses that get paid every day
If you have six months of history and steady deposits, you already have what it takes to qualify.
Restaurants & bars
Kitchen equipment, patio build-outs and slow-season payroll.
Retail & e-commerce
Stock up before peak season without draining cash.
Auto repair & dealers
Lifts, diagnostic tools and floor-plan gaps.
Construction & trades
Bridge the gap between materials and the final invoice.
Medical & dental
Equipment, expansion and insurance reimbursement delays.
Salons & spas
New stations, a second location or a rebrand.
Trucking & logistics
Fuel, repairs and adding a truck while invoices sit at net 60.
Hospitality & fitness
Renovations, new equipment and seasonal staffing.
Funding built around how you actually get paid
Small business revenue is daily, seasonal and often card-based. Banks lend against last year's tax return. We fund against this month's sales, and match the product to the need.
The right product, not just a product
An advance for speed, a credit line for flexibility, a term loan for big planned spends. One application gets you a quote on whichever fits.
Decisions in hours, not weeks
We underwrite on bank flow and card-processing history. No 40-page bank packet, no waiting a month for a committee.
Plain-language terms
Total cost printed on page one, whether it's a factor rate or an APR. No prepayment penalties and discounts for paying off early.
Advisors who've run businesses
Our funding advisors have owned restaurants, shops and service companies. They'll size funding to your real cash flow, not a formula.
Grow into better terms
Pay down an advance halfway and you're eligible to renew at a better rate, or graduate to a credit line or term loan.
Credit-friendly
Soft pull to apply. Scores from 550 are welcome on advances, because we care more about your sales than a number from three years ago.
Which product fits?
Typical ranges. Your advisor will confirm exact terms based on your business.
| Merchant cash advance | Line of credit | Term loan | |
|---|---|---|---|
| Amount | $5,000 – $500,000 | $10,000 – $250,000 | $25,000 – $500,000 |
| Time to funding | 24 – 48 hours | 1 – 3 days | 2 – 5 days |
| Repayment | % of daily card sales | Weekly or monthly on what you draw | Fixed monthly |
| Cost shown as | Factor rate | Interest on drawn balance | Fixed interest rate |
| Minimum credit score | 550 | 600 | 650 |
| Time in business | 6+ months | 1+ year | 2+ years |
| Best for | Speed, seasonal sales | Ongoing cash-flow gaps | Large planned purchases |
Owners who used Emerald to grow
"Our walk-in cooler died on a Thursday. Emerald had $38,000 in the account by Monday. My bank wanted two years of returns for the same ask."
"The credit line is what sold me. Parts suppliers want payment up front and customers pay on pickup. I draw, I repay, and I only pay for the days I used it."
"We took a three-year term loan to open our second store. Fixed payment, no surprises, and our advisor had run a shop himself so he actually understood our margins."
Questions business owners ask us
Which product is right for me?
If you need money this week and your sales run through a card terminal, a merchant cash advance is usually fastest. If you have recurring gaps between paying suppliers and getting paid, a line of credit lets you draw only what you need. If you're making one large, planned investment and want a predictable payment, a term loan fits best. One application gets you a quote on whichever you qualify for.
What is a merchant cash advance?
A merchant cash advance (MCA) is a purchase of a portion of your future card sales at a discount. You receive a lump sum now and remit a fixed percentage of daily card receipts until the agreed amount is delivered. It is a commercial transaction, not a loan, so there is no interest rate or fixed term.
What are the minimum requirements?
For a cash advance: 6 months in business, $8,000 or more in monthly revenue, a business bank account, and a personal credit score of 550 or higher. Lines of credit and term loans generally require at least one to two years in business and a score of 600 or higher. We fund all 50 states.
How much does it cost?
Cash advances are priced with a factor rate, typically between 1.15 and 1.35. On a $25,000 advance at 1.22, you would remit a total of $30,500. Lines of credit and term loans carry an interest rate, with the APR and total cost disclosed before you sign. Early payoff discounts are available on every product.
Will applying hurt my credit?
No. We use a soft credit inquiry to generate your offers, which does not affect your personal credit score.
What can I use the funds for?
Anything that helps your business: equipment, inventory, renovations, payroll, marketing, buying out a partner, opening a second location, refinancing more expensive debt, or simply smoothing out seasonal cash flow.
How do payments work?
Cash advance remittances are a fixed percentage (typically 8–15%) of daily card settlements, taken automatically through your processor or by ACH. Lines of credit and term loans are repaid by automatic weekly or monthly ACH. In every case there is no invoice to remember and nothing to log in to.
Can I get funded if I already have financing?
Often, yes. We offer consolidation, refinancing and second-position funding on a case-by-case basis. Talk to an advisor and we'll be honest about whether it makes sense for you.
Ready to see your offer?
Five minutes now. Funding as soon as tomorrow. No obligation and no impact on your credit.