No credit impact
Your options are reviewed with a soft credit pull. Nothing is recorded on your personal or business credit unless you accept an offer.
Working capital when the business needs it.
Emberline Capital works with owners on business cash advances, term loans and lines of credit for payroll, inventory, a slow month or a new contract. One application reaches our lending partners together, and most options are based on your recent bank statements.
Review my options
Soft credit pull. No impact to your credit score.
One application for every lender.
Applying at one bank after another means filling out the same paperwork each time and ending up with offers in different formats. Here the file is prepared once, and the offers come back in the same format.
One submission
The file reaches the participating lenders at the same time, so their offers can be compared directly.
Quick answers
A complete file with recent bank statements usually hears back within a few business days, and cash advances are often the fastest to fund once you accept.
Already applied? Check your file in the client portal.
Six ways to fund the business.
Term loans, lines of credit, cash advances and SBA 7(a) are reviewed together on this application, and your numbers decide which ones come back as offers. Equipment financing and home equity lines each have a short application of their own.
Term Loan
A lump sum for the business, repaid over a fixed period with regular scheduled payments.
- Amount
- Up to $10,000,000
- Term
- 6 to 36 months
- Rate
- Competitive fixed
Line of Credit
Borrow up to an approved limit, with interest charged only on the balance drawn.
- Amount
- Up to $10,000,000
- Term
- Revolving
- Rate
- Competitive fixed
Business Cash Advance
An advance against the sales your business will make, repaid with fixed daily or weekly payments.
- Amount
- Up to $750,000
- Term
- 3 to 12 months
- Rate
- Fixed factor
SBA 7(a)
Government-guaranteed financing with long repayment terms, often used for an acquisition or a long-term project.
- Amount
- Up to $5,000,000
- Term
- 10 to 25 years
- Rate
- Prime + spread
Equipment Financing
Loans and leases on new or used equipment, with terms set to its working life. Use the equipment application.
- Amount
- Up to 100% of cost
- Term
- 24 to 84 months
- Rate
- Fixed
Home Equity Line
A revolving line secured by the equity in your home, drawn when you need it. Use the home equity application.
- Amount
- Up to 80% of value
- Term
- 10 to 30 years
- Rate
- Soft pull to check
Amounts and terms shown are the ranges in which our lending partners operate. Offers state the exact figures.
From application to funding.
Five stages, each one visible in your portal.
- 01
Apply
One application with no fee and no obligation. It takes about three minutes with your numbers in front of you.
- 02
Review
The file is matched with the products our lending partners fund today.
- 03
Compare
Offers come back side by side, so rate, term and repayment can be compared.
- 04
Fund
You finish approval with the lender you choose, and the funds go to your business account.
- 05
Deploy
The money goes to inventory, payroll, equipment, marketing or a new location.
Terms that fit how your business runs.
Emberline works inside the financial statements of businesses at this size. The facilities presented here are the ones that hold against an operating calendar.
Lenders compete for the file
Several lenders review the same file at the same time, and that shows up in the rates they offer.
Predictable timelines
A response within days, with funding scheduled as soon as the lender approves.
Structure as well as amount
Daily, weekly or monthly payments, revolving or amortizing, from three months to twenty-five years. Every structure you qualify for comes back for review.
See your working capital options today.
Fill out the application, compare the offers that come back and choose the one that fits the business.
1Application for every product
Soft pullTo review your options
No feeTo apply