EMC offers businesses immediate access of up to $10 million+ in cash flow financing through our simple web-based platform. We offer two funding products: a Short-Term Funding Loan and a Business Line of Credit.

EMC works in three simple steps: First, you apply online in a few minutes with some basic information about you and your business. Then once we approve your file, you can review and accept your offer. Afterward, funds are deposited in your bank account in as fast as 24 hours.

EMC can approve most businesses anywhere from $100,000 to $10,000,000+ (Ten Million).

No, you will not need to pay extra fees if you decide to pay off early.

Qualifying for funding with us is based on a few factors. These include, your overall cash flow, the strength of your paying clients, and your personal and business credit history. You do not have to have amazing credit to get approved. We finance many businesses, including those with low credit scores.

We require a FICO score of 600 or greater to get approved for funding with us.

We typically can approve your file within a few hours for a Short-Term Funding Loan and Business Line of Credit.

We take multiple variables into consideration when determining what rate your business will qualify for.

We pay attention to the cash flow in your bank account and look at things such as average daily balances, deposit frequency, and deposit volume. We also consider your outstanding business debt, time in business, the industry you're in, and what kind of customers you have. It is a risk-based pricing model. We strive to offer the most competitive terms to our clients.

We require a simple online application and your last three months of bank statements for review.

Speed and Simplicity is our motto. We can approve and fund most applicants within 3 days or less. Also, We require minimal documentation to get approved: a simple Online Application + 3 most recent months of bank statements.

We are direct, provide excellent service, are always available, keep our word, and, most importantly, we deliver!

Our Short-Term Funding Loan is where you get a large upfront amount of capital - anywhere from $100,000 to $10 Million (or more) and can pay it back in set installments over 6 to 36 months. The cost of financing is fixed and can be paid in full at any time without incurring penalties.

You gain fast access to get up-front capital so you can pay large bills, invest in build-outs, consolidate debt, pay taxes, make payroll, or other expenses that require a longer and steadier pace to pay off as opposed to a Business Line of Credit. In addition, the Short-Term Funding Loan usually can provide much larger amounts than our Business Line of Credit, which is capped at $2mm.

We provide you an upfront amount of capital, ranging from $100k to $10m+ (depending on what you are approved for). We then collect an equal fixed weekly or monthly payment from your designated business checking account over a period of 6 to 36 months. You will be eligible to apply for additional capital once your balance is paid down by at least 30%.

Qualifying is dependent mainly on your cash flow. Businesses depositing $100k (or more) per month in their bank accounts with an average daily balance of $10,000+ have the greatest chances of getting approved.

We would also like to see at least a 600+ Personal FICO score and 1 year in business.

Our risk-based pricing will depend on various factors such as cash flow, credit, time in business, and other background information discovered during the underwriting process. The cost of capital generally ranges from 1% to 3% per month of borrowed capital.

Definitely! We don't charge any penalties for paying off early, and many times we can offer a discount on the outstanding balance - it will just depend on when you decide to pay it off.

We can extend loans of at least $100,000 and as much as $10,000,000 (Ten Million). As a rule of thumb, the greater your sales and cash flow, the larger in funding amounts we can approve you for.

Once you are approved, which typically takes 24 hours, we can wire the funds to your account the same day.

Once your balance is successfully paid down by 30%, we can review your account for an additional amount of capital.

A Business Line of Credit is a revolving financial vehicle that allows you to tap into it when you need capital and pay it off in full when times are good (similar to a credit card).

To use your Business Line of Credit, here's how it works: Once approved for a credit line, access funds by drawing directly from your online account. Funds are then deposited in your bank account in as fast as a few hours.

Payments are automatically debited from your designated bank account each week or month over a 6 to 36-month term. Our underwriting team will determine your repayment duration during the approval process. As you pay off your balance, your available credit line is automatically replenished for additional use when needed.

Any business that generates at least $1,000,000 a year in sales and has a FICO score of 600 or better.

A minimum of $10,000 and a maximum of up to your full credit limit.

We offer Business Line of Credit up to $250k but can go up to $10 million if needed with our Short-Term Funding Loan.

A weekly or monthly payment is debited from your business bank account. If you would like to designate a particular day for funds to be withdrawn, just let us know by calling 800-761-3108 or emailing accounting@emcfinancial.com.

Once you are approved, and your line of credit has been established, simply go to the online account we will create for you and follow the prompts to receive the funds.

As quickly as a few hours once approved. You can choose between ACH or bank wire. ACH transfers are free, and the funds usually appear the next business day (but may take up to three). A bank wire costs $15, and funds are typically available in your bank account the same day (so long as initiated an hour before the wire cutoff).

As you repay a draw, the principal (not interest or fees) portion of your payment is added back to your available credit.

EMC Financial Business Line of Credit ranges from $100,000 to $2,000,000. Your credit line is the total amount of funding you can have outstanding at any given time and will replenish as you repay draws. Your limit will be determined based on a review of your business, personal credit score, banking cash flow, and other factors.