EMETPARTNERS

Credit and structured finance advisory

Every lender in the market.
One firm on your side.

Built on truth. Structured for growth.

We help technology companies raise capital across the whole credit spectrum: venture debt, recurring-revenue and asset-based lines, warehouse facilities for fintechs, and bespoke structures. One competitive process. The strongest terms on the table. We answer to you, never the lenders.

Book a callExplore the Lender Grid
$3M–$30M+ ARR$1M–$25M+ raisedIndependent · paid on outcome

What we do

The whole credit spectrum, not the two or three names a founder already knows.

Most companies know a handful of lenders, and even those are not always the right fit for where they are. We know the full market, and which corner of it matches your business, your stage, your model and your cap table.

Emet is Hebrew for truth. The firm operates on a single principle: we represent the client and only the client, with no economic tie to any lender. The advice is unbiased because the incentives are.

  • IBank and venture debt

    The cheapest capital in the market, and the brand-name venture debt above it: the big checks banks will not write.

  • IIARR and recurring-revenue lines

    Lines sized directly against your recurring revenue, plus revenue-based capital repaid out of receipts.

  • IIICash-flow and growth credit

    Borrowing on EBITDA and the durability of your economics, with no sponsor backstop required.

  • IVAsset-based lending

    Working capital against receivables, hardware or IP at a high advance rate, often alongside a growth facility.

  • VWarehouse lines for fintechs

    Warehouse facilities and forward-flow programs against receivables and loan books, built to scale with originations.

  • VIBespoke and structured solutions

    When the standard playbook does not fit: a carved-out feature, an anchor contract, a custom structure.

How we work

One process, run from your side of the table.

We map the market, run a competitive process, and stay in it through close. Five steps, the same every time.

  1. Map

    The full lender universe: the right banks, funds and private credit for your profile.

  2. Run

    A competitive process with multiple term sheets on the table at once.

  3. Benchmark

    Every term: pricing, structure, covenants, warrants and fees.

  4. Negotiate

    From strength. Competing offers become leverage through close.

  5. Advise

    On fit, including whether debt is the right answer at all.

Engagement

No retainers. A success fee on capital raised, earned only at close. If nothing closes, nothing is owed.

Independence

No lender affiliations, referral fees or placement arrangements. The only interest we represent is yours.

Who we work with

VC-backed and bootstrapped technology companies from 3 million to 30 million+ ARR, raising 1 million to 25 million+ in debt.

The Lender Grid

Which lenders will actually engage with you?

Seven lender archetypes underwrite tech companies, and each plays a different game. Cross your revenue against your cap-table posture and the Grid names the ones worth your time.

ARR ╲ POSTUREThe AnointedTier 1–2 sponsorThe VouchedTier 3 sponsorThe DormantBacked, inactiveThe Self-MadeBootstrapped
$20M+Stabilizers
Scalers		Scalers
Stabilizers
Accelerators
Earners		Scalers
Accelerators
Earners		Accelerators
Scalers
Earners
$10–20MStabilizers
Scalers		Scalers
Stabilizers
Accelerators		Accelerators
Scalers
Earners		Earners
Accelerators
Streamers
$5–10MStabilizers
Scalers		Accelerators
Stabilizers		Accelerators
Stabilizers		Accelerators
Stabilizers
$2–5MStabilizersAccelerators
Streamers
Stabilizers		Accelerators
Streamers		Accelerators
Streamers
<$2MStabilizers
Streamers		Streamers
Accelerators		Streamers
Accelerators		Streamers
Accelerators

Bold = most likely to lead · Regular = engages seriously · Italic = engages conditionally. Securitizers and Tailors are off-grid and can layer into any cell.

Open the full Lender Grid

In their words

The borrowers we answered to.

Shimmy was useful in exactly the way you hope someone will be when you are sorting through a complicated capital question: he knew the market, understood the tradeoffs, and helped us keep coming back to what actually made sense for us. He felt like a real sounding board, not someone trying to force a particular answer.

Sam Nowakowski and Arjun KannanCo-founders, Residesk

Shimmy opened doors we could not have opened on our own. His command of the funding landscape turned what could have been a daunting raise into a clear, manageable process, and got us the capital to grow.

Pieter Limburg
Pieter LimburgFounder and CEO, Mobilo

Go deeper

The Credit Playbook

The Lender Grid is the map. The Playbook is the full guide to how technology companies raise credit, term by term: who underwrites what, what pricing and covenants look like today, and how to run a process that wins.

We give it away because knowledge is not the gap. Our value is running the process. Built for founders, CFOs, fractional finance leads, and the attorneys and sponsors around them.

No spam. The Playbook, and the occasional market note.

Contact

If a credit conversation is anywhere on your horizon.

Yours, a portfolio company's, or a client's. Happy to help you think it through. No retainers, independent of every lender, paid on the outcome.

Book a callEmail Shimmy
Shimmy Ruben
Shimmy Ruben
Managing Partner
shimmy@emetpartners.co347-283-5747LinkedIn
580 Fifth Avenue, Suite 820
New York, NY 10036