Misrepresented themselves as a bank on a cold call. Told my wife they were FDIC insured and a real bank. They are in fact a cash advance company. After providing my private information in the form of an application, my credit was ran 11 times in 4 hours. Against my better judgement I took a loan because I was in dire straits. Was promised a two tier program which started me with 11,000 and I would be given a line of credit while building my credit. I was charged am enormous fee. Never matured. I am out of business because of Empire. Stay far away. They are a scam.