Things people ask Ember.
Will this affect my credit?+
No. Seeing your estimated range never touches your credit. A credit check only happens after you e-sign and ask us for a real offer.
How fast is it, really?+
Most people see a range within five minutes of talking to Ember. Decisions come back in under 10 minutes during business hours once statements are in. Funding is as soon as the next business day after you sign the contract.
What do I need?+
A US business that's been operating 6+ months, a business bank account with about $5,000+ in monthly deposits, your last 3 months of statements (4 in CA/NY), and the owner's basic details.
I already have an advance. Can I still qualify?+
Often, yes. We look at whether another remittance fits comfortably in your daily cash flow. If it doesn't, we'll tell you plainly instead of stacking you into trouble.
Is this a loan?+
No. It's a purchase of future receivables. You get a lump sum now and remit a fixed amount per business day or week until the purchased amount is paid. The cost is a factor rate, not an interest rate, and we show it in dollars.
What can I use the money for?+
Anything that helps the business: inventory, payroll, equipment, a slow season, taxes, a new location. We'll ask so the amount makes sense, not to restrict you.
Which states?+
Most of them. We can't fund in UT, ND, SD right now.
Is my information safe?+
Yes. Sensitive details like your SSN go through a separate encrypted form that our AI guide never sees. Everything is encrypted in transit and at rest and used only for underwriting.
Can I talk to a human?+
Any time. (555) 010-3600 or hello@kindling.capital, Monday to Friday 9am to 6pm ET.
Something else? Ask Ember. It answers anything about funding, in English or Spanish.