Emerge is a fast, free platform that simplifies financing for small businesses by connecting them with a network of partners. Using advanced AI, Emerge matches your business with top lenders, offering tailored financing solutions for various needs, from expansions to operational expenses.Our partner-driven approach provides flexible funding without high interest rates or restrictive terms.

Our experienced team helps organize essential financial documents for a strong loan application. With Emerge’s intuitive tools, you can confidently and securely apply for the funding your business needs, meeting short-term financial goals while preserving future earnings. Emerge links borrowers directly with lenders in the market but does not act as a brokerage that seeks out the best loan rates.

Partners can offer financing ranging from $500 up to $1 million, depending on the partner and the type of financing required.

Emerge is entirely free for businesses to use. There are no hidden fees or trial periods—accessing our intelligent financing platform is completely free. We only receive a commission or transaction fee from our financing partners once your funding is successfully secured.

Emerge is not a broker and does not provide loans directly to its users. Instead, we partner with top lenders who match businesses with the most suitable financing options. Loan rates, terms, and types are determined by the individual lenders and are subject to their specific criteria and requirements. Emerge collaborates with multiple industry leading lenders, simplifying the process for businesses to compare rates and terms from various lenders all in one place.

No, we do not run a credit score check when you apply for financing. However, if you choose to do a soft pull, you will gain access to more financing options and lenders.

We understand that as an SMB, you need timely access to capital to meet operational needs. The application process takes just minutes, and matches are instant. Once approved, typical deposit time by partners is 48 hours.

When used wisely, debt can be a valuable tool, allowing businesses to grow responsibly while managing risks effectively. Loans play a crucial role as they provide the essential growth medium for entrepreneurs looking to establish or expand their ventures, allowing for growth and innovation.

Emerge supports digital-native small and medium-sized businesses (SMBs) with a range of financing solutions, including merchant cash advances, purchase order financing, and invoice factoring. This can include SaaS companies, ecommerce businesses, freelancers, and much more.

We prioritize security and compliance by employing a dedicated full compliance team and working closely with our capital providers. Our team is committed to adhering to all regulatory standards set by the Financial Industry Regulatory Authority (FINRA), ensuring that our products are safe and our operations are trustworthy. This commitment is fundamental in minimizing risks associated with our offerings and maintaining the highest level of trust and security for our users and partner platforms. Emerge links borrowers directly with lenders in the market but does not act as a brokerage that seeks out the best loan rates.

Here are some common ways digital-native SMBs have used loans to scale their venture:

Investing in Technology Infrastructure: SMBs rely heavily on technology to operate deliver their products or services. They often use loans to invest in upgrading their tech infrastructure, purchasing software, hardware, and implementing cybersecurity measures.

Marketing and Digital Advertising: Loans are frequently used to fund digital marketing campaigns, including social media advertising, pay-per-click (PPC) campaigns, search engine optimization (SEO), and content marketing. This helps them increase brand awareness, acquire customers, and drive sales online.

Product Development & Scaling: Loans enable digital-native SMBs to scale their operations by hiring additional staff, expanding their workspace, and optimizing their supply chain, or innovate and develop new products or services through research and development, prototyping and launching offerings.

Acquisition of Business & Assets: A common strategy used to leverage debt for higher returns, as digital-native SMBs grow, they may use loans to finance acquisitions of complementary businesses or assets that can accelerate their growth strategy or provide strategic advantages.