Business funding with one application.

Emberline Capital helps owners fund the next step of their business: cash for the month, new equipment, a building, a business to buy or the equity in their home. Choose the application that matches your request, and the offers from our lending partners arrive in one secure portal, where we go over them with you.

  • A short application for each type of financing
  • No fee and no obligation to review your options
  • Every offer in one portal, side by side
01 · Buying a business

Business acquisition

Who it is for
Buyers purchasing an operating business, whether still negotiating with the seller or already under a letter of intent.
What is returned
SBA 7(a) and conventional acquisition loans from lenders that fund changes of ownership.
What is required
The purchase price, your down payment and the business being purchased. You can apply before the buying entity is formed.

5 steps · about 3 minutes

Start a buyer application
02 · Selling a business

Seller prequalification

Who it is for
Owners preparing to sell who want lenders to look at the business before a buyer is in the picture.
What is returned
A prequalification showing how much financing a qualified buyer could obtain for the business.
What is required
Three years of business tax returns, current financial statements and the debt schedule. No personal identifiers are requested.

5 steps · about 2 minutes

Prequalify the business
03 · Real estate

Commercial real estate

Who it is for
Owners buying or refinancing the property their business occupies, and investors financing income property.
What is returned
SBA 504, conventional, bridge and construction financing secured by the real estate.
What is required
The property, its income or occupancy, and the owners behind it. The holding entity may still be in formation.

5 steps · about 4 minutes

Apply for a property
04 · Equipment

Equipment financing

Who it is for
Businesses adding vehicles, machinery or technology, new or used, from a dealer or a private seller.
What is returned
Equipment loans and leases with terms set to the working life of the asset, and sale-leaseback on equipment you already own.
What is required
A vendor quote or a description of the equipment, and three months of business bank statements.

5 steps · about 3 minutes

Apply for equipment
05 · Home equity

Home equity line of credit

Who it is for
Owners who would rather borrow against the equity in their home, for the business, a project or paying off other debt.
What is returned
A revolving line, usually up to 80% of the home’s value minus what is owed on it, with terms from 10 to 30 years.
What is required
The home, the mortgage balance and your income. Your rate is checked with a soft credit pull.

5 steps · about 3 minutes

Apply with your home
06 · Working capital

Working capital

Who it is for
Businesses that need cash for payroll, inventory, a slow month or a large new order.
What is returned
Business cash advances, term loans and lines of credit, reviewed together on one application.
What is required
Basic business details, monthly revenue and recent business bank statements, connected or uploaded.

One application · no fee

See working capital options

Already applied? Log in to your portal to see where your file stands, upload documents and review offers as they arrive.

How funding works with Emberline.

Each application opens one secure file. Emberline Capital places it with lending partners that fund your type of request, keeps track of what they ask for, and brings their offers back to your portal so we can review them with you.

  1. 01

    Apply

    Fill out the application for your type of financing. There is no fee to apply.

  2. 02

    Match

    Your file goes to lenders that fund requests of this kind and this size.

  3. 03

    Compare

    Offers appear in your portal with the amount, rate, term and payment of each one.

  4. 04

    Fund

    You choose an offer, complete the lender’s approval and the funds are sent to your business account.

The Emberline Capital client portal with three lender offers side by side

Find out what your business can qualify for.

Pick the application that fits your request. Applying is free, and you are under no obligation to accept an offer.

Choose an application Log in to the portal