• Unsecured Small Business

    Unsecured Small Business

  • BUSINESS SERVICES

    At EML CAPITAL GROUP, we offer many different solutions for funding all business types.

    Any service, any business type; we have a plan for you.

     

    There is no cost and no obligation to get a quote.

    With an easy sign-up process, your quote will be available in hours, not days.

    You can always count on EML Capital Group for service and support.

    Do not hesitate to give us a call and speak with a Financial Advisor.

    1-844-365-3863

  • Business Lines of Credit

    A line of credit, aka an LOC, is a financial arrangement between a lender and a customer that creates a maximum loan balance that permits the borrower to access or maintain at any time.

    Qualifying for an Unsecured Line of Credit

    Applying for a business line of credit from a traditional bank takes time and effort that does not always yield the desired results. With EML Capital Group, you do not need to have an exceptionally high credit score or go through a difficult or time-consuming application process. We make it quick, simple and easy so that you can get the approvals and funding you need. All you need is to have been in business for three months and have generated $10,000 in gross monthly sales.

    EML Pays More. Faster. Easier.

    Unsecured financing can often offer higher loan amounts. Secured business funding has limits that Unsecured Business Funding does not. Unsecured funding is faster and often has higher loan amounts. Unsecured loans also skip the annoying appraisal step. In fact, with EML Capital Group funding can often be obtained within 24 hours of application. This type of loan requires less paperwork, less documentation, and causes fewer headaches than secured business funding.

    Relationship Building

    Knowing that you have a history with a lender in your corner is crucial.

    Every business needs to build a solid relationship with a lender for support to get quick funding for the business.

    Flexible Payment Terms

    Flexible payment terms are definitely one key advantage of an unsecured business loan from EML capital group. Our term lengths can range from three to three years depending on the situation.

    Here at EML Capital Group, we specialize in unsecured business loans, and over the years, we have helped business owners in all industries secure the cash they need, fast.

    Business Lines of Credit

    One of the most common small business finance options is a business line of credit.

    A business line of credit is a great way for business owners to get access to an ongoing stream of funds to help pay bills, maintain the daily operations of the company, and manage cash flow.

    Basically, a Line of Credit or LOC, is a business loan that helps businesses grow by opening up another source of funding. It can be for purchasing supplies, inventory, or even covering expenses.

    Maintaining cash flow is one of the most common uses for a business line of credit.

    It happens all the time to businesses, unexpected circumstances arise that can make it difficult to maintain cash flow. No matter the reason, the best thing to do is to give us a call.

    It’s important to understand your options; there are a few differences between a line of credit, a credit card and a business loan. Our specialists are here to use their wealth of experience with the different types of funding options to tailor the perfect solution to fit your specific needs.

    Business Line of Credit vs. Loan

    What is the difference between a business line of credit and a traditional business loan?

    Although similar, there are subtle differences that allow each option to offer its own advantages.

    These differences are important to consider when making your decision for funding your business.

     

    Interest rates are one difference.

    Business loan rates are usually fixed, and dependent on your credit score and level of risk.

    For a business line of credit, the interest rate is generally tied to market rates.

     

    Another difference is the way the payments are structured. With a business loan, you have a set amount that is due each month until the loan is completely paid off. With a business line of credit, your monthly payment depends on how much of the line of credit was used.

    Basically, instead of having a set amount to pay monthly, the amount to pay will vary depending on your monthly spending.

  • Unsecured Business Loans

    An unsecured loan is a loan that is supported by the borrower's creditworthiness, rather than with any type of collateral, also called a signature loan or a personal loan.

    Unsecured Business Loans vs Traditional Loans

    An Unsecured Business Loan has an attractive advantage over a Secured Loan. One big difference is that Small-business owners don’t have to put up collateral.
    When the loan is secured, the assets you use as collateral are at risk — perhaps even your home. If your business goes south and you can’t pay the loan, the lender can take your home away.

    Unsecured loans, on the other hand, place the burden of the risk on the lender. These loans will likely carry a slightly higher APR than secured business loans, but they typically come with higher approval rates and faster funding. Although you don’t need collateral to qualify, you will need to bring in an average of at least $10,000 a month in business revenue, several months of operating history. There is no industry restriction with an unsecured business loan, nor do you need a perfect credit score.

  • Working Capital

    Working capital is needed for any business to remain afloat, as it provides companies with the funding they need to proceed with day-to-day operations.

    Don't wait to get the funding you need.

    All companies inevitably go through a rough patch, and they may need to apply for a loan that provides them working capital. This is especially true for small business owners that wait weeks, and sometimes even months, to get paid on invoices for work that is already completed. If your business is in need of short term working capital and financing, EML Capital Group can help you land the funds you need.

    Our experts have years of experience in the field, and they help you find the money you need to ensure your business does not tragically come to a halt. The first step to providing your business with short-term working capital is to call EML Capital Group. We walk you through the steps of securing a small-business loan, and we help make certain the daily operations of your business are not interrupted.

  • Merchant Cash Advance

    Merchant cash advances allow small businesses to repay a fixed percentage of daily credit card sales transactions until the loan is paid back to the lender in full. With some of the highest approval rates, Merchant Cash Advances are widely accessible to business owners looking to get funding solutions for a number of different issues.

     

    At times when you wouldn’t qualify for a traditional loan, a merchant cash advance can be the right answer for your business. Merchant Cash Advances from EML Capital Group have quick approvals, meaning that business owners don’t need to wait for a long approval process.

    Merchant cash advance loans are specifically designed to help your business grow without putting a strain on it. Your credit score does not play a factor, nor any set payback period.

    • Min $2500/month credit card volume
    • FICO score is not a determining factor
    • Must be in business for at least 3 months.
    • All industries are accepted.

    How it works

    A Merchant Cash Advance (MCA) is a smart alternative to traditional small business loans that is cash flow friendly. Interestingly, it isn't actually a loan at all. It is a purchase of future credit card receivables from your business.

     

    EML Capital Group bases your future credit card sales on your prior six months of business, and provides working capital. Instead of paying one big monthly payment with a set date like a loan, you pay a fixed manageable percentage of credit card sales until paid in full. This allows the business to have the flexibility to not make high payments when business is slow.​

    Merchant Cash Advances Vs. Business Loan: What’s the difference?

    There are many differences between merchant cash advances and traditional lending; merchant cash advance has a quick application process and less paperwork. EML, however, makes the process short, easy and convenient with its simple application. With our merchant cash advance, your business will be able to survive because we focus on the potential your company has for earnings in the future, and disregard credit scores. We have helped many business owners get through tough financial times, and we can do the same for you.

    Advantages of Merchant Cash Advance.

    One of the biggest advantages of a Merchant Cash Advance is that even with less than perfect credit you can get a flexible payment plan that works for you. Besides for that, there is less paperwork, a quick turn-around time, no collateral or personal guarantee, and you can use the funds for whatever you need such as purchasing, advertising, marketing, hiring, expansion, or just to improve cash flow.

     

    How Can You Get a Merchant Cash Advance?

    It’s very easy to start your application for a merchant cash advance. You have three options for applying

    You can call 844-EML-FUND (365-3863) to speak with a representative in the USA.

    You can complete an online form and leave a message explaining your business needs.

    You can request an online chat with a representative.

  • Quick Funding

    We pride ourselves on being able to react faster than anyone else out there.

    Businesses that are growing rapidly don't have the luxury of being able to wait several weeks or months to get a loan. We can help you get financing of up to $500,000 in as little as 1 business day.

    Time is Money

    Cost is an important factor when choosing a business loan, but sometimes getting your loan fast is just as important; after all, time is money. No matter what the situation is, EML Capital Group will be there to react quickly and effectively when you need help.

     

    Fast Funding

    Applying for a business loan through traditional institutions can be frustrating, time-consuming and complex. However, EML Capital makes business loan decisions quickly and efficiently. In fact, we can make our decisions in as quick as 2 hours and are proud of our over 90% approval rate.

    Flexible Funding

    EML Capital Group understands the need for flexibility in business. We believe that bad credit should not hinder you from getting the cash you need for your business

     

    We offer flexibility with approval and with the details of the loan itself. We offer fast funding. You receive no stipulations for spending your funds. You can use your funds in many ways, such as improving cash flow, paying debts, allowing you to be able to take advantage of new business opportunities. We don’t put any restrictions on how you use your funds and you have the freedom to use them at your discretion. Our flexibility is built to cater to your business needs.

    Get Started with EML

    It’s very easy to start your application for a merchant cash advance. You have three options for applying:

     

    You can call 844-EML-FUND (365-3863) to speak with a representative in the USA.

    You can complete an online form and leave a message explaining your business needs.

    You can request an online chat with a representative, as well.

  • Short Term Loans

    Sometimes getting a short-term loan is exactly what a business needs. A loan that you can pay back in three or five years instead of five to ten years. Most people think of businesses loans as a long term loan from the bank, however, short term loans have become more and more popular for business owners to take advantage of opportunities quickly.

    Short Term Loan, Long Term Gains

    Short Term financing usually has higher approval rates than that of long-term bank loans.

    EML offers short term small business loans with three month to three year terms from $5,000 to $1,000,000. Coupled with superior service and advice it's one of the best ways to help give your business the boost it needs.

     

    Short term business loans can really help build your business credit. Unlike merchant cash advance, EML Capital Group's short-term loans for businesses are reported to credit bureaus the same as bank loans.

    Short term small business loans also give you the right to qualify for larger loans and terms that extend longer at a later date. If you successfully pay off six month loan, then it will help you qualify for a longer term loan should the need arise again in the future.

     

    Our application process is simple. We don’t require any credit card receivables for this process. EML offers a wide range of funding options that can be tweaked and customized according to your business, your cash flow and your time. It doesn't matter how much you borrow; whether it’s $10,000 or $10 million, the process is just the same…simple, quick, efficient, and of course, no upfront fees.

     

    Call us at EML Capital Group to discuss your working capital problems and know about our convenient short-term business loan program.

  • Bad Credit Business Loans

    EML offers a variety of business loans that can fit your business needs. You can apply for a loan with a standard interest rate and term payment. You can apply for a merchant cash advance. Your bad business credit does not need to stop you from obtaining capital for your business to make it rise to the top.

    Bad Credit?

    If you have a high score, you'll have a pretty easy time getting funding offers from a wide variety of funding sources. If your score is low or nonexistent, however, you won't.

    But a low credit score isn't something you can run away from, and even if you avoid it, it won't go away. The trick is to fund your business in ways that actually get your score back on track.

    Frustration-free Lending

    Here at EML capital, we believe in second chances for business owners. Past struggles should not affect your business getting needed capital. We also believe that seeking funding solutions for your business shouldn’t be a frustrating experience. Every business is unique, and individual needs cannot always be satisfied by only one approach to lending. To help you grow your business apply today. Our team of lending experts will help you to create a financial solution that is exactly what you need.

  • Consolidation Program

    A Consolidation Program is when one large loan is used to pay off several smaller loans. The goal is to lower the total payments through a lower rate, extending the term, or both.

    Consolidation Loans

    Many businesses have multiple loans that have been stacked up over time that they want to lower into monthly payments. Many of these companies are able to consolidate merchant cash advances into one loan. They may also be able to extend the term of the advances. We assist in helping businesses pay off the other lender and lowering the payments.

    How do I qualify for a business Consolidation Loan?

    The key to qualifying for a Consolidation Loan is to reach out to those that specialize in the field and can help businesses find the best programs. EML works hard to make sure to find the program that has the right fit for you, with the best terms and the highest approval rates.

    Contact a Funding Specialist at EML Capital Group to get started.

  • Invoice Factoring

    Securing cash flow is one of the most important parts of your business’s success.

    With our Invoice Factoring, you will be able to plan ahead and get immediate access to funds from your receivables instead of you having to wait for payment from your client.

    When is the best time to approach EML, if we want to factor a future invoice or purchase order?

    We usually recommend that you contact us several weeks before factoring a future purchase order. Once we set you up with an account, you will have a variety of options in addition to factoring like opening a line of credit for your business and more.

    What is Invoice Factoring?

    Invoice Factoring is a transaction where the business sells its accounts receivables or invoices to a factor at a discount. This is done to meet cash needs and sometimes to reduce credit risk. Accounts receivable financing is a term that is more accurate to refer the form of asset-based lending using receivables as collateral.

    How is Invoice Factoring Different from a Bank Loan?

    Factoring is different from borrowing because the accounts receivables are actually sold instead of just being offered as the collateral. The final result is that your company can then convert its receivable into real cash to operate your business, this way you don't have to wait 30 or 60 or even 90 days time until the customer pays. This process puts the waiting on the factoring company and allows you the time to really concentrate on doing business. We make sure that you receive the cash you need when you need it, allowing you to run your business.

    Why Invoice Factoring?

    Invoice factoring is a great option for companies that need money quickly and cannot obtain a bank loan. There are many different names for a Business Factoring: Receivables Factoring, Invoice Discounting, Invoice Factoring, and Debtor Financing are all commonly used terms. Non-recourse factoring is also something provided by the better factoring companies which means that they will protect you in the case of your client going insolvent while the transaction is still going on.

    Factoring is a great way for companies to infuse their business with cash without taking on additional burdens and debt. Receivable Finance is a great option for most industries, including but not limited to trucking, staffing, distributors, and importers.

  • Purchase Order Factoring

    Purchase order Financing is a funding option for businesses that need capital in order to fill orders.

    Double Loss

    There are times where there just isn't enough to cover the costs incurred with filling orders. A company that cannot fulfill orders because of cash is a loss both in revenue and reputation. Turning away business because of cash is debilitating to a company's trust level. Seeking out Purchase Order Factoring by EML Capital Group is an excellent solution for business owners.

    What other options are available with Purchase Order Financing?

    Sometimes the purchase order financing company will open up a line of credit with the supplier. This line of credit will be opened in their name and then backed by them. This will allow businesses with poor credit or low assets to get the supplies they need.

    What are the benefits of Purchase Order Factoring?

    Purchase ordering financing can be very beneficial. It is very easy to qualify for, and with EML walking you through the processes you will never be left in the dark. Also, what is great about PO financing is that it does not require great credit. The important factor is the creditworthiness of the client that placed the order with your company.

  • Equipment Leasing

    Equipment Leasing is acquiring the use of vehicles, machinery or other equipment on a rental basis in order to avoid the need for investing capital.

    Get the use of the machinery you need without having to deal with the burden of ownership.

    All kinds of equipment can be leased, and the kind of business you are in and the type of equipment you use can be a big determining factor.

    In many businesses, equipment is the foundation that will help your business stand on its own. You may need equipment to help you serve your customers, to outwork rivals or to operate at a better level than your competitors. This often means that you will need to obtain the best commercial equipment available. Sometimes, it may be best for you to lease your equipment in order to spend the remainder of the cash on other essentials. At EML Capital Group, we are familiar with the processes the would help business owners acquire/lease commercial equipment.

    Equipment Leasing and Financing Advantages.

    It may seem like a complex process to make a decision regarding spending your borrowed capital to borrow equipment. However, leasing equipment can free up some cash that can be used in other aspects of the company. It also is less of a headache, reducing risk and providing financial stability.

    The benefits are that you make lower monthly payments than a loan, get fixed financing rate, tax benefits, conserving working capital, avoid high down-payments, and getting access to the most up to date tools needed in business.

    Equipment Leasing vs. Other financial options

    Buying is not the only alternative to leasing equipment. In fact, it's not even the most common. Loans, Lines of Credit, and Factoring are more popular means of financing equipment as well.

    Loans provide more ownership of the equipment, as opposed to a lease where the lessor holds the title to the equipment. A Loan enables you to retain the title securing the purchase against existing assets.

    A loan places more importance on the business' credit score. That can make it difficult for small businesses to get approved. Unfortunately, terms are a major drawback for a loan. While a lease provides fixed-rate financing, a Loan or Line of Credit may change throughout the loan term. This makes it difficult and problematic to budget depending on the loan size. Additionally, banks and lenders usually require a larger down-payment. Factoring is also an alternative to buying expensive equipment and is often faster than applying for a loan. By use of factoring, businesses can leverage their accounts receivable and quickly turn open payments into cash.

    Benefits of Working with EML Capital Group

    Here at EML Capital Group, we have all those options ready at your disposal, and your funding specialist will go over the different options to see what will work best with your business and situation. We are not a computer algorithm, we will work hard to get you the best option.

  • Secured Business Loans

    The success and growth of business often demands access to additional funding. If your small business needs extra money, Secured Loans may be the tool you that you need to overcome challenges and to capitalize on opportunities.

    What is a Secured Business Loan?

    Secured Loans are offered by financial institutions to business owners that are in need of capital to grow and existing business or pay for ongoing business expenses. These loans require collateral up front which then reduce the risks for the lending party, which in turn will allow a lower interest rate that can be repaid easily by the business owner.

    How Can I Acquire a Secured Business Loan?

    Using a Secured Business Loan is a great approach to guarantee a lower loan rate, a more drawn out reimbursement period, and the chance to construct credit and build a relationship amongst lenders. EML works with companies to understand the past, current, and future of the client in order to give you the best advice possible.

  • CONTACT

    Speak with a Financial Advisor

    1-844-EML-FUND (365-3863)

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Terms & Conditions
Welcome to the EML CAPITAL GROUP (“EML CAPITAL GROUP”) website. EML CAPITAL GROUP offers flexible, working capital solutions to small businesses in need of financing to sustain or grow their enterprise, including small business loans, purchase and sale of future receivables, and related services (“Service”). By accessing and using this site, you agree to each of the terms and conditions set forth herein (“Terms of Use”). Additional terms and conditions applicable to the specific areas of this site are posted throughout the site and, together with these Terms of Use, govern your use of these areas, content and/or transactions. EML CAPITAL GROUP reserves the right to update the content of its website, including the Terms of Use, at any time without prior notice.
Your use of the site constitutes your agreement to follow and be bound by the terms and conditions of the site, as well as these Terms of Use, as modified. You are encouraged to review the website and these Terms of Use periodically for updates and modification
1. COPYRIGHT AND TRADEMARK
Unless otherwise noted, all materials on this site are protected as the copyright, trade dress, trademarks and/or other intellectual properties owned by EML CAPITAL GROUP and/or its subsidiaries and affiliates or by other parties that have licensed their material to EML CAPITAL GROUP.
EML CAPITAL GROUP’s marks on this site represent some of the marks currently owned or controlled in the United States. The display of these marks and of notices associated with these marks is not intended to be a comprehensive combination of all of EML CAPITAL GROUP’s proprietary ownership rights and EML CAPITAL GROUP may own or control other proprietary rights in one or more countries outside of the United States. You may not reproduce, redistribute or otherwise use any materials without the express written consent of EML CAPITAL GROUP or rights not exclusively granted are reserved.
2. PRIVACY AND SECURITY
For an explanation of EML CAPITAL GROUP’s practices and policies related to the collection, use and storage of online visitors’ information, please read our Privacy Policy. The Privacy Policy may be updated from time to time at our discretion. Changes will be effective upon posting to the Website and are hereby incorporated into this Agreement.
3. WARRANTY DISCLAIMER & LIMITATION OF LIABILITY
You agree that your use of the website and services shall be at your sole risk. Except as otherwise expressly stated with respect to our products, all contents of this site are offered on an “as is” basis without any warranty whatsoever, either express or implied. EML CAPITAL GROUP makes no representations, express or implied, including, without limitation, implied warranties of marketability and fitness for a particular purpose.
EML CAPITAL GROUP makes no warranties or representations of any kind that the services provided by this website or any link site will be uninterrupted, error-free or that the site or server that hosts the site are free from virus or other forms of harmful computer code or other harmful components, or that defects will be corrected even if EML CAPITAL GROUP is aware of them.
In no event shall EML CAPITAL GROUP, its officers, members, directors, employees, or agents, be liable to you for any direct, indirect, incidental, special, punitive, consequential damages, or attorneys’ fees arising out of or relating to these terms, access to, use of, or the operation of any site, any of the site content, or user content. Your sole and exclusive remedy and EML CAPITAL GROUP’s sole and exclusive liability to you for any reason shall be for you to discontinue your access to or use of the site. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.
In the event State law does not allow the exclusion or limitation of liability for consequential or incidental damages, EML CAPITAL GROUP’s liability shall be limited and warranties are excluded to the fullest extent permitted by law, but shall in no event exceed $100.00.
You agree that any cause of action arising out of or related to EML CAPITAL GROUP, any website, or any website content or user content must be commenced within one (1) year after the cause of action accrues. Otherwise, such cause of action is permanently barred.
4. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless EML CAPITAL GROUP, its affiliates, and partners, including without limitation, EML CAPITAL GROUP’s service providers and banks—and their respective officers, directors, employees, agents, and representatives—from and against all losses, expenses, damages and costs including reasonable attorneys’ fees, for any claims, causes of actions, procedures or allegations arising out of or relating to any violation of these Terms of Use, your use of the website, website content, or user content (including but not limited to infringement of third parties’ worldwide intellectual property rights or negligent or wrongful conduct) by you or any other person accessing any website on your behalf. EML CAPITAL GROUP reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to defense by you.
5. UNLAWFUL OR PROHIBITED USE
As a condition of your use of the Services, you will not use the Services for any purpose that is unlawful or prohibited by these Terms of Use. You may not use the Services in any manner that could damage, disable, overburden, or impair the EML CAPITAL GROUP website or interfere with any other parties’ use and enjoyment of the Services. You may not attempt to gain unauthorized access to any Services, computer systems or networks connected to any EML CAPITAL GROUP server or to any of the Services through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through these Services.
6. EXTERNAL LINKS
Links to other websites do not imply an endorsement of the materials disseminated at those websites, nor does the existence of a link to another site imply that the organization or person publishing at that site endorses any of the materials at this site. Links to other websites are provided by EML CAPITAL GROUP as a convenience to its users. EML CAPITAL GROUP is not responsible for the materials contained in any website linked to this site. Please be advised that third-party websites may have different terms of use and privacy policies.
7. AUTHORITY
Use of the Services is void where prohibited. By using the Services, you represent and warrant that (a) all application information you submit is truthful and accurate; (b) you will maintain the accuracy of such information; (c) you are 18 years of age or older; (d) your use of the Services does not violate any applicable law or regulation; (e) you are authorized on behalf of the company whose name you have entered to apply for business financing. Your profile may be deleted and your Membership may be terminated without warning if we believe, in our sole discretion, that you are in violation of any Terms of Use.
You understand and agree that EML CAPITAL GROUP and our agents and assignees are authorized to contact third parties to conduct background checks and other investigative reports and make credit report inquiries (including requesting business and personal credit bureau reports from credit reporting agencies and other sources) or for any other lawful purpose, and that EML CAPITAL GROUP has the authority for the foregoing in connection with any update, renewal, or extension of the credit to the company on whose behalf you are applying for credit. Upon your written request, we will advise you if we obtained a credit report. You understand and agree that EML CAPITAL GROUP is making no commitment or guarantee that any product, evaluation, or guidance provided by EML CAPITAL GROUP will result in an approval for funding.
8. ACCOUNT SECURITY
Customer Duty – You agree to keep confidential all passwords, user IDs, IP addresses and other account identifiers and are solely responsible for any liability or damages resulting from your failure to maintain that confidentiality. You are solely and fully responsible and liable for all activities that occur under your EML CAPITAL GROUP account, password, user ID or IP address. You agree to:
(a) Immediately notify EML CAPITAL GROUP if you suspect any breach of security such as loss, theft, public use (unrestricted, open, communal or shared use by third parties unrelated and/or not affiliated with the customer either for profit or not-for-profit) or unauthorized disclosure or use of your EML CAPITAL GROUP account, password, user ID or any credit or charge card numbers provided to EML CAPITAL GROUP by calling 212-947-0100;
(b) Ensure your exit from your account as applicable at the end of each session; and
(c) Periodically change your password.
Account Access – You authorize EML CAPITAL GROUP to provide information about and make changes to your EML CAPITAL GROUP account including adding new services on the direction of any person able to provide information we deem sufficient to identify you.
Assumption of Risk – There is a risk that other(s) may attempt to access your services, such as through the internet or connected networks. You acknowledge this risk is inherent to the shared nature of the services and you agree to take full responsibility for taking adequate security precautions and safeguarding your data.
9. ELECTRONIC COMMUNICATIONS
By using parts of this website, or sending e-mails to EML CAPITAL GROUP, you agree to receive communications from us electronically, and that all agreements, notices, disclosures and other communications that we, our affiliates, partners or independent contractors provide to you electronically satisfy any legal requirement that such communication be in writing and are effective immediately.
You have the right to withdraw your consent to receive disclosures and submit information electronically. You may withdraw your consent by contacting the Company in writing.  If you choose to withdraw your consent, you will not be able to make any requests through our website. If you have a pending request on our website, we will terminate it and remove it from our system. If you have already received funding, all previously agreed to terms and conditions will remain in effect, and we will send disclosures to your verified business address provided during registration.
You may obtain a free copy of your electronic application by contacting the Company in writing at 1512 East 36th Street, Brooklyn, NY 11234. or by telephone at 212-947-0100.
10. TELEPHONE COMMUNICATIONS
You hereby expressly consent to receiving calls and messages, including auto-dialed and pre-recorded message calls and SMS messages (including text messages) from EML CAPITAL GROUP, its affiliates, marketing partners, agents and others calling at EML CAPITAL GROUP’s request or on its behalf, at any telephone numbers that you have provided or may provide in the future (including any cellular or mobile telephone numbers). Your cellular or mobile telephone provider will charge you according to the type of plan you carry. You may opt out of receiving calls and marketing from EML CAPITAL GROUP and its affiliates, marketing partners, agents and others as provided in the Privacy Policy or by contacting us directly.
11. GOVERNING LAW AND FORUM
Jurisdiction – Any dispute arising from these terms shall be resolved exclusively in the State and Federal Courts of the State of New York. Furthermore, these terms and the interpretation, performance and enforcement of your and EML CAPITAL GROUP’s rights and duties shall be construed in accordance with the laws of the State of New York except for the conflict or choice of law principles thereof.
12. FEEDBACK AND SUBMISSIONS
You agree you are and shall remain solely responsible for the content of any submissions you make and you will not submit material that is unlawful, defamatory, abusive or obscene. You agree that you will not submit anything to the site that will violate any right of any third party, including copyright, trademark, privacy or any other personal or proprietary rights.
13. FORCE MAJEURE
EML CAPITAL GROUP shall not be liable for any failure or delay in performance due in whole or in part to any cause beyond the reasonable control of such party or its contractors, agents or suppliers, including but not limited to utility or transmission failures, power failure, strikes or other labor disturbances, acts of God, acts of war or terror, floods, sabotage, fire, natural or other disasters.
14. CONTACTING EML CAPITAL GROUP
In the event you should have any questions about these terms, please contact us at 212-947-0100. To inquire about linking to our site or about copyright or trademark matters, please contact us at info@EMLFUNDS.com.
Privacy Policy
Last modified: July 12, 2016
Introduction
EML CAPITAL GROUP and its affiliates, assigns, agents, designees, and successors, (“Company” or “We”) respect your privacy and are committed to protecting it through our compliance with this policy.
This policy describes the types of information we may collect from you or that you may provide when you visit the website www.EMLFUNDS.com (our “Website”) and our practices for collecting, using, maintaining, protecting and disclosing that information.
This policy applies to information we collect:
¥	On this Website.
¥	In e-mail, text and other electronic messages between you and this Website.
¥	Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.
¥	When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.
It does not apply to information collected by:
¥	Us offline or through any other means, including on any other website operated by Company or any third party or;
¥	Any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website
Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this Privacy Policy. This policy may change from time to time (see Changes to our Privacy Policy (http://www.EMLFUNDS.com/legal/#privacy). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.
Children Under the Age of 13
Our Website is not intended for children under 13 years of age. No one under age 13 may provide any information to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or on or through any of its features/register on the Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at info@EMLFUNDS.com.
Information We Collect About You and How We Collect It
We collect several types of information from and about users of our Website, including information:
¥	By which you may be personally identified, such as name, postal address, e-mail address, telephone number, social security number or ANY OTHER INFORMATION THE WEBSITE COLLECTS THAT IS DEFINED AS PERSONAL OR PERSONALLY IDENTIFIABLE INFORMATION UNDER AN APPLICABLE LAW, any other identifier by which you may be contacted online or offline (“personal information”);
¥	About your internet connection, the equipment you use to access our Website and usage details.
We collect this information:
¥	Directly from you when you provide it to us.
¥	Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses and information collected through cookies, web beacons and other tracking technologies.
¥	From third parties, for example, our business partners.
Information You Provide to Us. The information we collect on or through our Website may include:
¥	Information that you provide by filling in forms on our Website. This includes information provided at the time of registering to use our Website, applying for financing, posting material, or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Website.
¥	Records and copies of your correspondence including e-mail addresses, if you contact us.
¥	Your responses to surveys that we might ask you to complete for research purposes.
¥	Details of transactions you carry out through our Website. You may be required to provide financial information before obtaining financing through our Website.
¥	Your search queries on the Website.
You also may provide information to be published or displayed (hereinafter, “posted”) on public areas of the Website, or transmitted to other users of the Website or third parties (collectively, “User Contributions”). Your User Contributions are posted on and transmitted to others at your own risk. Although we limit access to certain pages, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.
Information We Collect Through Automatic Data Collection Technologies. As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions and patterns, including:
¥	Details of your visits to our Website, including traffic data, location data, logs and other communication data and the resources that you access and use on the Website.
¥	Information about your computer and internet connection, including your IP address, operating system and browser type.
We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking).
The information we collect automatically is statistical data and may include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:
¥	Estimate our audience size and usage patterns.
¥	Store information about your preferences, allowing us to customize our Website according to your individual interests.
¥	Speed up your searches.
¥	Recognize you when you return to our Website.
The technologies we use for this automatic data collection may include:
¥	Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
¥	Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies.
¥	Web Beacons. Pages of our the Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs. pixel tags and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an e-mail and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
We do not collect personal Information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.
Third-party Use of Cookies and Other Tracking Technologies.
Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.
We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.
How We Use Your Information
We use information that we collect about you or that you provide to us, including any personal information:
¥	To present our Website and its contents to you.
¥	To provide you with information, products or services that you request from us.
¥	To fulfill any other purpose for which you provide it.
¥	To provide you with notices about your account, including expiration and renewal notices.
¥	To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
¥	To notify you about changes to our Website or any products or services we offer or provide though it.
¥	To allow you to participate in interactive features on our Website.
¥	In any other way we may describe when you provide the information.
¥	For any other purpose with your consent.
We may also use your information to contact you about our own and third-parties’ goods and services that may be of interest to you.
We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.
Disclosure of Your Information
We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.
We may disclose personal information that we collect or you provide as described in this privacy policy:
¥	To our subsidiaries and affiliates.
¥	To contractors, service providers and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
¥	To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of EML CAPITAL GROUP’s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by EML CAPITAL GROUP’s about our Website users is among the assets transferred.
¥	To third parties to market their products or services to you if you have consented to/not opted out of these disclosures.
¥	To fulfill the purpose for which you provide it. For example, if you give us an e-mail address to use the “e-mail a friend” feature of our Website, we will transmit the contents of that e-mail and your e-mail address to the recipients.
¥	For any other purpose disclosed by us when you provide the information.
¥	With your consent.
We may also disclose your personal information:
¥	To comply with any court order, law or legal process, including to respond to any government or regulatory request.
¥	To enforce or apply our terms of use (http://www.EMLFUNDS.com/legal/) and other agreements, including for billing and collection purposes.
¥	If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of EML CAPITAL GROUP, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.
Choices About How We Use and Disclose Your Information
We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:
¥	Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
¥	Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you can opt-out by emailing your request to opt-out@EMLFUNDS.com or by writing us at: EML CAPITAL GROUP 1512 East 36th Street, Brooklyn, NY 11234..
Promotional Offers from the Company. If you do not wish to have your e-mail address/contact information used by the Company to promote our own or third parties’ products or services, you can opt-out by you can opt-out by emailing your request to info@emlfunds.com or by writing us at: EML CAPITAL GROUP, 1512 East 36th Street, Brooklyn, NY 11234. If we have sent you a promotional e-mail, you may send us a return e-mail asking to be omitted from future e-mail distributions.
¥	Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers’ target-audience preferences, you can opt-out by you can opt-out by emailing your request to info@EMLFUNDS.com or by writing us at: EML CAPITAL GROUP 1512 East 36th Street, Brooklyn, NY 11234..
Accessing and Correcting Your Information
You may also send us an e-mail at info@EMLFUNDS.com to request that we correct or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
If you delete your User Contributions from the Website, copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied or stored by other Website users. Proper access and use of information provided on the Website, including User Contributions, is governed by our terms of use (http://www.EMLFUNDS.com/legal/)
Your California Privacy Rights
California Civil Code Section § 1798.83 permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail info@emlfunds.com or write us at: EML CAPITAL GROUP, 1512 East 36th Street, Brooklyn, NY 11234.
Data Security
We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. [All information you provide to us is stored on our secure servers behind firewalls. Any payment transactions will be encrypted using SSL technology.
The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website like message boards. The information you share in public areas may be viewed by any user of the Website.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
Changes to Our Privacy Policy
It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you by e-mail to the primary e-mail address specified in your account or through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable e-mail address for you, and for periodically visiting our Website and this privacy policy to check for any changes.
Our main priority is to service our customers with financial advice and funding. We work hard to provide business owners with an experienced team of advisors that will take the time to understand your needs and then turn around and give you the best solution based on those needs. We offer many different services for small business funding; unsecured business loans, secured business loans, working capital, merchant cash advance, equipment rentals, line of credit, quick funding, invoice factoring, purchase order factoring, and much much more. Don't feel overwhelmed by all the different options, that isn't there to scare you, just to help you understand all that we have to offer. When banks say no, we say yes, and we take the time to make sure you understand everything that is going on, and that you are confident and comfortable with your funding options. We never pressure you or force you into a choice. Have a question? Give us a call. We are more than happy to help you.



Contact Information
To ask questions or comment about this privacy policy and our privacy practices, contact us at:
By email: info@emlfunds.com
By telephone: 
By mail: EML CAPITAL GROUP, 1512 East 36th Street, Brooklyn, NY 11234.