Purpose:

This document outlines the funding practices and principles followed by Emerging Resource Group (ERG), a commercial finance brokerage based in Independence, Missouri. Our mission is to connect businesses with appropriate financial solutions by adhering to ethical standards, transparent communication, and responsible funding practices.

1. Our Role as a Commercial Finance Broker

ERG acts as an intermediary between commercial borrowers and a vetted network of lenders, alternative capital providers, and private funding sources. We do not directly lend capital; rather, we facilitate access to it based on the unique needs and qualifications of each client.

2. Client-Focused Funding Approach

ERG is committed to understanding each client’s financial goals, business operations, and funding needs. Our approach includes:

  • Comprehensive intake and needs assessment
  • Clear communication about funding options, terms, and eligibility
  • Matching clients only with lenders and products that fit their business profile and risk tolerance

3. Lender and Capital Provider Relationships

We maintain professional relationships with a curated list of lenders, including:

  • Banks and credit unions
  • SBA and government-backed lenders
  • Asset-based lenders
  • Equipment financiers
  • Insurance Companies
  • Private Lenders/ Investors
  • Working capital and merchant cash advance providers

Each provider is vetted for credibility, compliance, and service reliability.

4. Ethical Funding Practices

  •  No Upfront Fees unless clearly disclosed and tied to specific services (e.g., packaging, underwriting prep)
  • Transparency in Pricing: Clients are informed of all costs, broker fees, and interest rates before they commit
  • No Guaranteed Approvals: We do not promise funding results and discourage high-risk, misleading practices- No Misrepresentation: All applications are based on accurate, verifiable client information.

5. Due Diligence and Compliance

Before presenting a client to a funding partner, ERG performs due diligence which may include:

  • Review of financial statements, bank activity, and credit reports
  • Business verification and UCC search
  • Assessment of industry risk and operational history.

We also ensure clients meet any lender-specific documentation or compliance requirements.

6. Communication & Disclosure Standards 

  • Clients are regularly updated on the progress of their funding process
  • Any lender conditions, changes in terms, or denials are shared openly
  • Clients receive copies of any agreements they are asked to sign, with time for review.

We encourage clients to consult legal or financial advisors as needed.

7. Broker Compensation

ERG may be compensated by the lender, the client, or both, depending on the structure of the deal. All compensation is disclosed in writing and agreed upon before any closing.

8. Ongoing Client Support

Our relationship doesn’t end at funding. ERG offers:

  • Post-funding advisory on repayment, renewals, or refinancing
  • Access to future capital opportunities as business needs evolve
  • Referrals to other trusted professionals (e.g., accountants, attorneys, consultants)

9. Commitment to Integrity

ERG is committed to honest, relationship-driven practices that build long-term trust in the commercial finance industry. We believe that transparency, compliance, and client education are essential to the success of all parties involved.


Thank you for allow us to help your business grow.

- Founder & CEO John Graves