Small fuel. Big fire.
Capital for the businesses that keep Main Street running. No forms to fill out: just tell Ember what you need, upload your bank statements, and get a real number fast.
Hi, I'm Ember. Tell me about your business and I'll find out what you qualify for. No forms, no runaround, no credit pull to get started.
Three steps. One conversation.
Tell Ember about your business in plain English (or Spanish). Amount, what it's for, what you bring in each month. Ember answers every question along the way.
Upload 3 months of business bank statements. We read them in seconds and show you an estimated range on the spot, with the cost spelled out in dollars.
E-sign in the chat. Underwriting usually answers in under 10 minutes. Money lands as soon as the next business day.
We tell you the cost in dollars, not jargon.
A merchant cash advance costs more than a bank loan. It's built for speed and flexibility: a fixed remittance on business days, no collateral, and an answer this week instead of next quarter. Ember shows the total payback before you sign, and will tell you if we're not the right fit.
See a worked example- Factor rate
- 1.30
- Total payback
- $65,000
- Term
- 6 months · 132 business days
- Remittance
- $492 / business day
Illustration only. Your terms depend on underwriting. Early payoff discounts are often available.
Restaurants, contractors, shops, trucks, salons, clinics.
If your business has been running for at least 6 months and deposits around $5,000 or more a month into a business bank account, you're probably a fit. Open advances, a thin credit file or a rough month don't rule you out; we look at the whole picture.
- 6+ months in businessNewer businesses get a closer look, not an automatic no.
- $5,000+ monthly depositsInto a business account. Card sales help but aren't required.
- US business, most statesWe can't fund in UT, ND, SD right now.
- Any credit profileWe don't pull credit until you ask us to make a real offer.