Murray says his company - not unlike eTaxLoan - is really a marketing firm. "We are a matching service, just like an Expedia is for a travel company or a Hotels. com is for a hotel company," Murray says. But instead of matching travelers with hotels, Murray matches those who need cash - and can't get it elsewhere - with those willing to lend.

For that, he might get anywhere from 1 to 100 per lead. Murray draws a big distinction between his company and others in the business. He says he's completely aboveboard and works only with partners he trusts. "We have a pretty limited network of lenders, and we know what each of our lenders is looking for," emergency cash loans 24/7 says.

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